We are ISO Certified
Track employee loans, advances, and salary deductions in one place. Auto-deduct EMIs from payroll, monitor balances, and close out repayments without spreadsheets.
From application to closure: track every rupee lent and recovered with full transparency.
Employees apply via self-service portal. Managers approve and finance disburses, fully digital.
EMIs auto-deduct from monthly payroll based on tenure and start date. No manual reconciliation.
Issue same-day advances for emergencies, recovered from the next 1-3 payroll cycles automatically.
Pause deductions during leave or emergencies. Reschedule the loan with one click, no broken EMIs.
See every employee's loan history: issued, recovered, balance, and final closure dates all in one view.
Loans post as receivables in XYRA Books. EMI recoveries post as repayments fully reconciled.
A clean lifecycle from request to final settlement.
Employee submits a loan request with amount, tenure, and reason via the self-service portal.
Manager and finance approve. EMI plan is auto-calculated based on tenure and salary.
Loan disbursed via bank transfer; receivable posts to XYRA Books automatically.
EMIs deduct from each payroll cycle until the loan is fully closed.
Every loan disbursement and repayment posts to XYRA Books in real time. No more spreadsheets, no orphaned receivables, no manual reconciliation.
Let XYRA Payroll handle requests, approvals, EMIs, and books posting all in one workflow.