Case Study
Project
About the Client
The client is a renowned housing finance agency that holds more than three decades of experience in the financing industry. With 75 offices across the country, their areas of expertise include- home loans, PMAY, and non-housing loans.
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Location: India
Industry: Housing Finance
Project Introduction
Sankalp is a ‘Housing Loan’ process system that streamlines and manages loan processing in a systematically defined order and delivers strategic reports via an intuitive web portal. It is also a modern-age web portal backed by multi-user functionality and has the provision for the branches and users (DSA) to submit loan file entries.
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Type: Web Portal
Team Size: 8
Project Duration: 12 Months
Business Objective
The client wanted to establish a digital platform where the entire loan lifecycle is automated and which delights their customers with the experience of online loan application processing. The prime emphasis of the client was on minimizing the paperwork and manual processing.
Solution Offered
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Automated loan
lifecycle -
Online
loan application -
Real-time SMS/email
notifications of
file status -
Fraud control
unit
Technical Challenges
- Perfios API request payload encryption
- CCAvenue payment gateway integration and deserialization gateway response
- Exotel inbound calling functionality
- Creating and fetching data from the link server
Key Features
For Clients
- Multiple user-based access
- Loan application entries (H.O/Branch/Telecallers)
- Lead management & tracking (Goggles)
- Real-time reports & sales funnel metrics
- Notifications and alerts
- PSPL FI & PAMAC FI verification
- Nach- Mandate creation, validation, registration & UMRN generation
- Sankalp aasan sales
- Customer retention portal
- Fraud control unit
For GIC Users
- Check loan eligibility
- Multiple payment modes
- Upload documents and storage
- Real-time SMS/email alerts
- APF view active schemes
- Unnati scorecard
- Sankalp aasan collection
- Online journey leads & topup loan leads
- Fetch ITR detail reports & CIBIL details
- Get referral benefits
Client Benefits
- Fetch CIBIL details (CIBIL score) for any customer
- Analyze the income of any customer and fetch detailed reports from the system
- Apply for a loan online and upload documents easily
- Fetch the ITR detail reports from the system
- Make online payment with status
- Multiple users can access the website
- Check loan eligibility
- Get referral benefits
Sankalp Loan Process Flow
Technology Stack
Server Architecture
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