Instant Loan & Lending App for iOS & Android
A personal loan app that plugs into the ONDC lending network, so one guided application can search, compare and confirm offers across multiple lender partners, with RBI-approved Account Aggregator consent replacing manual document uploads.
01 / The Challenge
One lender at a time, with paperwork at every step
Personal loan seekers in India typically apply to one lender at a time, resubmitting the same documents each time. Verifying income and identity meant manual uploads with no standard way to pull financial data with consent, and every lending platform had to build its own KYC, e-sign and repayment compliance from scratch.
No single application that could reach multiple lenders and surface comparable offers
Manual document uploads for income and identity, slow and easy to get wrong
No consent-based way to pull verified financial data straight from a user's bank
KYC, e-sign, e-mandate and grievance handling all needed to meet RBI lending rules
02 / Here is What We Did
Built as an ONDC network participant, not a single-lender app
We integrated the app as a Beckn Protocol buyer app (BAP) against Hindustan Loans' own production network node, so a single application triggers a real search → select → init → confirm transaction across multiple lender platforms (BPPs). On top of that, an RBI-approved Account Aggregator flow replaces manual document collection with consent-based financial data sharing.
Building on the ONDC lending network meant the app didn't have to negotiate and integrate with each lender individually, new lender partners plug into the same transaction flow.
Application flow design
Mapped a 14-screen guided journey, from PAN and address details through aggregator consent, lender selection, offer comparison, KYC, e-sign, e-mandate and disbursement.
ONDC / AA integration
Wired the app to the Beckn-protocol BAP for multi-lender search/select/init/confirm, and to a backend-driven list of RBI-approved Account Aggregators for consent-based data sharing.
Flutter build
Provider-driven state management across the loan flow, with embedded WebViews for AA consent, e-KYC, e-sign and e-mandate, and a WebSocket channel for live application status.
03 / Features
A full loan journey, from application to disbursement
A 14-screen guided application: personal and PAN details, address, aggregator selection, lender list, offer comparison, review and KYC, built as one continuous Provider-managed flow.
Live multi-lender matching through the ONDC network: search, select, init and confirm calls against a production Beckn-protocol node return and compare real lender offers.
RBI-approved Account Aggregator consent flow embedded via in-app WebView, letting users pick from the aggregators the backend returns and share verified financial data with consent instead of uploading documents manually.
Embedded e-KYC, e-sign and e-mandate steps via WebView; the Account Aggregator consent step watches for its completion redirect and auto-advances, while e-sign and e-mandate confirm via an explicit Accept step.
A loan insights dashboard surfacing credit score, loan eligibility and a financial health snapshot pulled from the aggregator response.
Post-disbursement tools: loan history, saved loans, missed EMI tracking, pre-payment and foreclosure calculations, plus a built-in grievance/ticket system for support and compliance.
04 / Technologies
Flutter on top of an ONDC-network lending backend
05 / Results & Impact
A production integration into India's lending network
“Being part of the ONDC lending network changed the game for us, one integration now lets us bring in new lender partners without rebuilding the application flow each time.”
Client, Hindustan Loans
Explore More Of Our Work
Other products we have shipped
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