Platform for Digital Financial Services

Apache Fineract (\’fīn-,ә-,rakt\) is an open source system for core banking as a platform. Fineract provides a reliable, robust, and affordable solution for entrepreneurs, financial institutions, and service providers to offer financial services to the world’s 2 billion underbanked and unbanked.


Apache Fineract can be deployed in any environment: cloud or on-premise, on or offline, mobile or PC; it’s extensible enough to support any organizational type or delivery channel, and flexible enough to support any product, service, or methodology. For any organization, big or small, it will provide the client data management, loan and savings portfolio management, integrated real time accounting, and social and financial reporting needed to bring digital financial services in a modern connected world.

Rapid Product Creation

Our flexible product creation engine allows you to instantly create, configure and roll out brand new products across any of your branches. You can respond to client demand in no time. You can also configure your product mix to ensure clients can only take on a responsible amount of loans at one time.

Multiple Lending Methodologies

The Apache Fineract API supports

  • individual lending,
  • Grameen Joint Liability Group lending,
  • multi-tranche loans,
  • standing instructions for automated payments,
  • and co-op lending.

For group lending, we have full functionality to configure and manage groups including client, group, center information and hierarchy.

Full Range of Deposit Products

Savings is one of the most proven services in the financial inclusion toolkit. Apache Fineract supports your organization as it moves beyond basic passbook savings with support for

  • fixed (term) deposits,
  • recurring deposits,
  • and current accounts.

Your client can benefit from a fluid mix of deposit and credit products to help them store up the funds to resist shocks and grow income needed to make larger purchases and investments.

Interest, Penalties, and Fees

Apache Fineract supports:

  • calculation of interest balance on daily or average daily balance with the ability to specify the compounding period daily or monthly
  • flat or percentage-based fees that can be applied and collected on a specific due date
  • minimum opening balance and a locking period that can be defined in days, weeks, months, and years


The Apache Fineract community welcomes contributors who want to support the Fineract technology. Our community builds everything from this website, from the Fineract code to documentation and best practices information.

We especially welcome additions and corrections to the documentation, wiki, and website to improve the user experience. Bug reports and fixes and additions to the Apache Fineract code are welcome. Helping users learn best practices also earns good karma in our community.

Mailing Lists


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Contributor's Zone
Here you will find guides about getting started, how to contribute, and build instructions.

Committer's Zone
Here you will find guides about handling pull requests, and dealing with code reviews.

Security Report
Lists of security issues fixed in released versions of the Apache Fineract are available here.


Apache Fineract
Here you will find the source code for Apache Fineract.

Web Site
Here you will find the source code for this web site.