The Azure-based platform aims to help banks and NBFCs streamline collateral valuation, automate monitoring workflows and strengthen governance without replacing existing lending systems.
Gravice Solutions has made its V-Track collateral valuation governance and lifecycle monitoring platform available on Microsoft Marketplace, giving banks, non-banking financial companies (NBFCs) and other lending institutions a new route to access the solution within the Microsoft Azure ecosystem.
The launch addresses a persistent gap in lending operations. While loan origination has become increasingly digitised, post-disbursement collateral management often remains fragmented across spreadsheets, internal systems, external valuation vendors and manual workflows. This can limit visibility into asset values, loan-to-value (LTV) ratios and revaluation requirements.
V-Track is designed to bring these activities into a centralised digital environment. Its capabilities include collateral mapping, asset-to-facility linkage, real-time LTV monitoring, policy-driven revaluation triggers, valuation report validation, deviation identification, vendor governance and audit traceability. Financial institutions can monitor collateral at both individual asset and portfolio levels.
“V-Track brings collateral valuation, monitoring and governance onto a centralised platform, giving financial institutions greater visibility across the collateral lifecycle.”
— Sathish Mahalingam, Chief Business Officer, Gravice Solutions
“Collateral management involves multiple activities across valuation, revaluation, monitoring, vendor management, and audit requirements,” said Sathish Mahalingam, Chief Business Officer, Gravice Solutions. “V-Track brings these activities together onto a centralized platform, helping financial institutions create greater visibility and governance across the collateral lifecycle.”
The platform is designed to operate as an overlay to existing lending technology environments rather than requiring banks to replace their loan origination systems or core banking infrastructure. APIs enable integration with loan origination systems (LOS), core banking systems (CBS) and other enterprise applications.
Built on Microsoft Azure, V-Track uses Azure services for application hosting, data management, identity, security and monitoring. Azure OpenAI Service supports its AI-assisted capabilities, while Microsoft Entra ID and Azure Key Vault provide identity and access management functions.
Microsoft welcomed the platform’s inclusion in its marketplace. “Marketplace connects trusted solutions from global partners with customers worldwide, making it easy to find and deploy apps that work seamlessly with Microsoft products,” said Cyril Belikoff, Vice President, Microsoft Azure Product Marketing.
The marketplace availability is intended to simplify discovery and access for financial institutions worldwide. For Gravice Solutions, the move extends the reach of its financial technology portfolio, which also includes ElevateRM, a deal orchestration platform for relationship managers, and NICO, an AI-powered document intelligence and workflow automation platform.