PAN card applicationsPan-IndiaA national citizen service, brought to mobile
Loan app development for NBFCs, banks and lending fintechs.
Mindrops builds instant personal loan and smartphone EMI financing apps, with the borrower app, partner app, credit decisioning, collections and admin panel behind them, designed around RBI’s digital lending rules.
Clients
Mindrops designs and builds digital lending platforms: borrower apps for Android and iOS, PAN and Aadhaar e-KYC, credit bureau checks, rules-based approvals, the Key Fact Statement and e-sign, disbursal, e-NACH or UPI AutoPay repayments, reminders and a loan admin panel. Each build follows the lender’s product rules and RBI’s digital lending directions.
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What a lending platform from Mindrops includes
Onboarding & e-KYC
Mobile OTP sign-up, PAN verification, Aadhaar e-KYC or video KYC, selfie and liveness checks, with consent captured and logged at every step.
Credit checks & decisioning
Credit bureau pulls (CRIF, CIBIL), bank-statement inputs and a configurable rules engine that approves, rejects or refers each application.
KFS, agreement & e-sign
Key Fact Statement with the all-in APR, loan agreement generation and Aadhaar e-sign, stored against the loan record.
Disbursal & repayments
Disbursal to the borrower’s verified bank account, e-NACH and UPI AutoPay mandates, payment links, part-payment and foreclosure.
Reminders & collections
EMI reminders over SMS, WhatsApp, email and push, bounce handling, overdue buckets and collection workflows for agents.
Loan admin & reporting
An admin panel for applications, credit review, loan accounts, schedules, charges, customer support and the reports lenders and auditors ask for.
Retailer & EMI financing
For device financing: a retailer app for in-store onboarding and approvals, EMI plans, device lock on default and optional protection plans.
Who we build lending platforms for
NBFCs launching a digital channel
Lenders moving from branch or DSA sourcing to an app, who need onboarding, underwriting and loan servicing that their credit and compliance teams can sign off.
Lending fintechs & loan service providers
Teams partnering with a regulated lender, who need a borrower app, lender integrations and clean separation of who holds the loan, the money and the data.
Device & consumer-durable financiers
Businesses selling smartphones or appliances on EMI, who need a retailer app for in-store onboarding, instant approvals and repayment tracking.
Banks & co-lending partners
Institutions adding instant personal loans or credit lines to an existing customer base, connected to their core systems and risk rules.
Why Mindrops for loan app development
- Lending platforms we have built
- For InstoFin we built a customer app, vendor app and admin panel with KYC, CIBIL credit checks and automated loan approvals. Two more lending apps are in build now: an instant personal loan app and a smartphone EMI financing platform.
- The integrations already wired
- CRIF bureau checks, Digio e-KYC, e-sign and e-NACH, Razorpay collections and SMS, WhatsApp and email messaging are integrations our team has built, not ones we would be learning on your project.
- Compliance designed into the flow
- Key Fact Statement and APR before signing, cooling-off handling, consent logs, minimal device permissions and grievance details in the app are specified with your compliance team before screens are drawn.
- Lender rules as configuration
- Loan products, eligibility rules, fees, tenures and approval limits live in the admin panel, so the credit team can change a product without a new app release.
Technologies we use
- Mobile
- Flutter · Kotlin · Swift
- Backend
- Node.js · Python · PostgreSQL · Redis
- KYC, e-sign & mandates
- Digio · Aadhaar e-KYC · e-NACH · UPI AutoPay
- Credit & payments
- CRIF High Mark · CIBIL · Razorpay
- Messaging
- SMS · WhatsApp · Email · Push / FCM
Client reviews
Fintech lending platform
A customer app, vendor app and admin panel from one team, with KYC, CIBIL credit checks and automated loan approvals.
From the client’s review
“Fintech projects have a lot of layers and it was good to work with a team that understood the credit and lending side of things.”
How we deliver a lending app
- 01 — Product
Map the loan product
We write down the loan products, borrower journey, lender and partner roles, money flows and every integration, and agree what goes into the first release.
- 02 — Design
Design journeys & rules
Borrower, partner and admin flows are prototyped, and eligibility rules, KFS content, consent screens and permissions are reviewed with your credit and compliance teams.
- 03 — Build
Integrate on sandbox first
App, backend and admin ship in increments against KYC, bureau, e-sign and mandate sandboxes, with end-to-end loan tests from application to closure.
- 04 — Launch
Go live with a pilot
Production keys, Play Store personal-loan declaration and a pilot cohort come first, then wider rollout with monitoring, support and product changes.
Frequently asked questions
Talk to our team
Message, call or email us about your project. We'll go through your objectives, suggest the most cost-effective approach and give you a rough timeline and cost.
- Message us on WhatsAppSend us a quick message
- Call +91 95555 75231Talk it through with us
- [email protected]Send your detailed requirements
Reach out today. We'll get back to you as quickly as possible.
What is loan app development?
Loan app development is the design and engineering of a digital lending platform: the borrower app, KYC and credit checks, approvals, e-sign, disbursal, repayments and the admin panel the lender runs it from. Mindrops builds these for NBFCs, banks and lending fintechs.
Which integrations does a loan app need?
Usually PAN and Aadhaar e-KYC, a credit bureau such as CRIF or CIBIL, e-sign, e-NACH or UPI AutoPay mandates, a payment gateway for collections, and SMS, WhatsApp and email for alerts. Mindrops has built with Digio, CRIF, CIBIL and Razorpay.
Do your loan apps follow RBI digital lending rules?
We build the features the rules require, such as the Key Fact Statement with APR, disbursal and repayment directly between borrower and lender accounts, consent-based data collection with storage in India, and grievance officer details. Your compliance team signs off the final journey. See our digital lending compliance checklist.
Can you build smartphone or consumer-durable EMI financing?
Yes. A device-financing platform adds a retailer app for in-store onboarding and instant approvals, EMI plans, device lock on missed payments and optional protection plans, alongside the same KYC, bureau and mandate stack.
How long does it take to build an instant loan app?
It depends on the products and integrations. A first release with onboarding, e-KYC, bureau checks, rules-based approval, e-sign, disbursal, mandates and an admin panel is usually planned in phases over a few months. We give a written scope and estimate after mapping your loan product.
Will the app get through Google Play review?
Play requires lenders in India to submit a personal loan app declaration, and it restricts access to contacts, photos and files. We build to those rules from the start and prepare the declaration details with you. See mobile app development.
Contact us
Tell us about your loan products, your lending licence or partner, and the integrations you already have. We reply as quickly as possible with a recommended first release.
Discuss your project
An engineer will respond as quickly as possible.
Have a defined scope? Get a quote