Loan origination apps, borrower portals and advisor platforms for NBFCs, lenders, wealth advisors and insurance agents, with digital KYC, Key Fact Statements, EMI tracking and consent-based data handling.
Reply within one business day · Navi Mumbai team · Website, app and admin under one roof
The borrower or client side, the credit and operations side, and the compliance record behind both.
A product website that explains loans or advice plainly and captures applications, with the disclosures your compliance team requires.
An Android and iPhone app for applying, signing, tracking and repaying, built to ask only for the phone permissions you can justify.
The loan origination and servicing panel your credit, operations and collection teams work in.
Financial apps in India are judged on two things at once: how fast a customer can finish, and how well every step stands up to an audit. A borrower expects to apply by phone, see the full cost before signing, and get money the same day. Your compliance head expects every consent, every disclosure and every rupee movement to be recorded and explainable.
RBI's rules for digital lending shape a lot of the product. The loan has to be given by a regulated entity such as a bank or NBFC. Disbursal goes directly from the lender to the borrower's bank account, and repayments go directly to the lender, not through a pool account of an app or a lending service provider. The borrower must get a Key Fact Statement before signing, showing the all-in cost as an annual percentage rate. There is a cooling-off period in which the borrower can exit by repaying the principal and the proportionate cost. The app should collect only the data it needs, with explicit consent, and should not take access to the phone's contacts, call logs or media files. Your lawyers and compliance team own the final reading of these rules. Our job is to build the app so the rules are followed by design.
On top of that, the Digital Personal Data Protection Act, 2023 applies to the personal data you collect: clear notice, consent for a stated purpose, the ability to withdraw consent, and security of the data. For a financial app this means consent logs, data retention rules and access controls are part of the build, not an afterthought.
This page is for NBFCs and small finance lenders building their own app, lending service providers working with a regulated lender, wealth advisors and mutual fund distributors who want a client portal, and insurance agencies who need a lead and policy servicing system. Infoways builds these from Mahape, Navi Mumbai, for teams in Mumbai, Thane, Pune and across India.
Borrowers abandon when asked to scan and upload PAN, Aadhaar and six months of statements. Digital KYC, DigiLocker fetch and consent-based bank statement sharing cut most uploads out of the journey.
Analysts copy bureau and bank data into Excel. A rules engine applies your policy (income, FOIR, bureau score, existing EMIs) and sends only edge cases to a human.
A borrower says they never saw the charges. The system generates the KFS from the sanctioned terms, records when it was shown and accepted, and stores the signed agreement against the loan.
Collections learn about a failed EMI days later. Mandate status, bounce codes and DPD buckets update daily, and reminders go out before the due date, not after.
Every employee can see full Aadhaar numbers and statements. Role-based access, masking, encryption and retention rules limit who sees what, which is also what DPDP expects.
Wealth advisors and insurance agents track renewals, SIPs and policy dates in their phone. A client portal and CRM shows each client's holdings or policies, sends renewal reminders and logs every recommendation.
Tell us your lending product, ticket size and whether you are the lender or the LSP. We will reply with a scoped plan and the compliance points to settle early.
The right choice depends on volume, how unusual your product is and how much control your compliance team wants.
| Factor | White-label LOS/LMS platform | Custom app and back office | Website plus CRM only |
|---|---|---|---|
| Best for | Standard personal or business loans, fast start | Unusual products, own credit rules, own brand experience | Advisors, agents and DSAs passing leads to lenders |
| Control over journey and data | Limited to what the vendor allows | Full, including where data is stored | Full for leads; loans sit with the lender |
| Recurring cost | Licence fee, often per loan or per user | Hosting and upkeep, 15-25% of build yearly | Low |
| Changes when rules change | You wait for the vendor | Your team or ours changes it | Minor |
| Integrations (KYC, bureau, AA, eNACH) | Pre-built with the vendor's partners | Your choice of licensed providers | Not needed |
| Typical build cost | Setup fee plus licence | Rs 4-12 lakh for an app with backend; Rs 12-40 lakh or more for a full lending platform | Rs 1-4 lakh website; CRM extra |
Typical ranges, GST extra, depending on scope. Read custom software vs off-the-shelf for the longer trade-off, or see our CRM development service.
Say you are an NBFC in Navi Mumbai lending working capital to shop owners, with tickets from Rs 1 lakh to Rs 10 lakh. The figures are only an illustration.
A hardware shop owner in Panvel downloads your app. He logs in with a mobile OTP, enters his PAN, and completes KYC through your licensed KYC provider. He shares 12 months of bank statements through the Account Aggregator flow, and his GST returns, with his consent recorded for each. The app asks for camera access only during KYC, and never asks for contacts or the photo gallery.
Your rules engine pulls his bureau report, reads monthly credits and bounces from the statement, works out his existing EMIs and checks your policy. He qualifies for Rs 4 lakh over 18 months. The app shows him a Key Fact Statement with the interest rate, processing fee, the APR, the EMI amount and date, the cooling-off period and your grievance officer's details. He accepts, e-signs the agreement and sets up an eNACH mandate for the 5th of every month.
Your operations team checks the case in the back office and releases disbursal. The money goes from your account straight to his bank account. Every month the mandate is presented. In month 9 one EMI bounces; the system marks the loan 1 DPD, sends him a reminder on WhatsApp with a UPI link, and alerts the collections team only if it is still unpaid after the grace window you set.
With your credit, operations and compliance teams, we map the full journey: lead, KYC, credit rules, sanction, KFS, agreement, disbursal, servicing, collection and closure, and list every disclosure and consent point.
We help you shortlist licensed partners for KYC, bureau access, Account Aggregator, eSign and mandates, based on who you already have contracts with. We integrate; you sign the agreements.
Screens that show the cost of the loan plainly and in plain language, with large type for EMI amounts and dates. Our UI/UX design team tests them with real borrowers.
Encryption of sensitive fields, masked display, role-based access, audit logs, rate limiting on OTP and login, and no hard-coded keys. Security review is done before each release, not just at the end.
We test KYC failures, mandate rejection, bounced EMIs, foreclosure, cooling-off exit and data deletion requests.
Play Store and App Store submission with the financial services declarations the stores ask for, then hosting on Indian cloud regions with backups and monitoring through our cloud and DevOps team.
An advisor or insurance agency website with lead capture and an EMI or SIP calculator typically falls in the Rs 1-4 lakh range. A borrower app with KYC, application, KFS, e-sign, EMI schedule and repayment, plus a back office for your team, usually falls in the Rs 4-12 lakh range. A full lending platform with a rules engine, multiple products, co-lending or partner flows, collections workflows and detailed reporting is a large build, typically Rs 12-40 lakh or more. All prices are typical ranges, GST extra, and depend on scope. Third-party fees for KYC, bureau pulls and AA are charged by those providers separately.
The biggest cost drivers are the number of loan products and credit policies, how many third-party providers you integrate, whether you need co-lending or multiple lender partners, and how much reporting your auditors and board need. A borrower app with back office usually takes 14 to 20 weeks; a full platform takes longer and is best done in phases. Yearly upkeep is usually 15-25% of the build cost, and fintech apps need more of it because rules and provider APIs change. See app development cost in India for how we estimate.
Do not build a loan app if you are not a regulated lender and do not have a signed arrangement with one. An app cannot lend on its own. If you are a DSA or a loan aggregator, what you probably need is a strong website, a lead generation setup and a CRM that tracks each file with the lender, not a lending app.
Do not ask for phone permissions you cannot justify. Contact list and gallery access were a hallmark of the predatory apps that led to RBI's rules, and app stores also check this. Ask for camera and location only when needed for KYC, and explain why on screen.
Do not copy KFS or agreement text from another lender's app. The KFS must match what your system actually charges. And do not leave data protection for later. Deciding retention periods, who can see full documents and how a customer withdraws consent is far cheaper at design time than after launch.
Share your product note and your current process. We will map the journey, the disclosures and the integrations before quoting.
We can build the technology, but the loans must be given by a regulated entity such as a bank or NBFC. If you are a lending service provider, you need a signed arrangement with that lender, and the app must show who the lender is. We will not build a lending app that is not tied to a regulated lender.
Yes. The KFS is generated from the sanctioned loan terms in the system, including the rate, fees, APR, repayment schedule and grievance details. The format and wording are approved by your compliance team, and the system records when the borrower viewed and accepted it.
The back office creates the disbursal instruction and your lender account pays the borrower's bank account directly. The app does not hold or route the money through any account of its own. Repayments also go directly to the lender's account.
PAN verification, Aadhaar-based eKYC and offline XML, DigiLocker, video KYC and CKYC, all through licensed providers or your lender's own access. Which ones you use depends on your product and your compliance policy.
In practice: tell users clearly what data you collect and why, collect it only with consent for that purpose, let them withdraw consent, keep it secure and do not keep it longer than needed. We build consent records, masking, access control and retention into the system. Your legal team should confirm the details for your business.
Yes, through eNACH or UPI Autopay mandates set at onboarding, with bounce tracking and payment-link reminders.
Often a secure client portal on the web is enough: holdings or portfolio summary, documents, meeting notes and reminders. An app makes sense when clients log in often. Your SEBI or AMFI registration details should appear on the site as your compliance requirements state.
A borrower app with KYC, KFS, e-sign, EMI tracking and a back office usually takes 14 to 20 weeks. Getting live access from third-party providers is often the slowest part, so we start it in week one.
Talk to our Navi Mumbai team about your loan app, borrower portal or advisor platform. Call or WhatsApp +91 79770 75981.
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