Overview
Hindustan Loan App is a mobile-first digital lending application designed to modernize how users discover, apply for, and manage loans. The platform replaces fragmented, paperwork-heavy loan processes with a guided, transparent, and fully digital experience.
Operating in the highly regulated fintech domain, the application supports secure onboarding, multi-step loan applications, lender comparisons, and real-time verification processes — all optimized for mobile users.
Platforms: Android (Mobile App)
Industry: Fintech / Digital Lending
Project Snapshot
Business & Technical Challenges
Digital lending platforms face unique challenges that combine regulatory complexity, user trust, and real-time system dependencies.
Key challenges included:
- Fragmented loan application journeys with poor user visibility
- Complex, multi-step data collection requiring high accuracy
- Real-time eKYC and eMandate flows dependent on external systems
- Integration with RBI-approved account aggregators and multiple lenders
- Maintaining performance and stability across long-form mobile workflows
- Ensuring scalability for future financial products and services
Product Vision & Strategy
The product vision focused on creating a trusted digital loan experience that balances usability with regulatory compliance.
Strategic goals included:
- A guided, step-by-step loan journey that reduces user friction
- Clear visibility into loan status, lender options, and agreements
- Mobile-first UX optimized for long forms and data-heavy workflows
- Architecture ready for future products such as insurance and gift cards
- Real-time verification without disrupting the user experience
The platform was designed to scale across lenders, aggregators, and financial products without architectural rework.
Solution Overview
A Flutter-based mobile architecture was selected to ensure consistent performance, fast iteration, and a refined UI across devices.
Key solution principles:
- Mobile-first design: Optimized for Android users handling complex financial workflows
- Real-time communication: WebSockets used for eKYC, eMandate, and live loan updates
- Modular API integration: Clean separation of authentication, loan processing, user data, and notifications
- Secure flows: Encrypted communication and controlled access based on admin verification
The result is a responsive, stable application capable of supporting long, multi-stage financial processes.
Key Features & Capabilities
Seamless User Onboarding
Email and mobile number authentication with OTP verification, password reset, and validation flows. Controlled access enabled only after admin verification.
Guided Loan Application Experience
Step-by-step loan process covering personal, employment, and financial details. PAN-based identity capture and validation with clear progress indicators across all stages.
Lender & Aggregator Selection
Integration with RBI-approved account aggregators. Dynamic lender listings with ROI, tenure, and loan amount options. Transparent comparison to support informed decisions.
Real-Time Verification & Approvals
Live eKYC via WebSocket connections. Bank account verification and eMandate setup. Instant loan submission confirmation.
Account & Profile Management
Editable user profile with KYC, employment, and financial details. Loan history and detailed loan views. Settings for theme, language, and preferences.
Communication & Notifications
Real-time notifications with custom-designed UI components. Customer support request forms for assisted follow-ups.
Cross-Platform / System Architecture
The system follows a clean separation between mobile frontend, backend services, and real-time systems.
- Flutter mobile app handles UI, validation, and user flows
- REST APIs manage authentication, user data, loan metadata, and content
- WebSockets enable live eKYC, eMandate, and loan status updates
- Modular architecture ensures maintainability and feature expansion
This approach allows independent scaling of backend services while keeping the mobile experience responsive and stable.
Technology Stack
Frontend: Flutter (Dart), Material UI with custom components, CustomPainter for advanced UI elements
State Management: Provider / ChangeNotifier
Backend: REST-based APIs (managed by backend services)
Realtime / APIs: WebSockets for eKYC, eMandate, and live updates
Payments: Digital mandate (eMandate) via integrated financial services
Database: Managed by backend systems (user profiles, loans, agreements)
Deployment: Android Play Store distribution
Results & Business Impact
The delivered solution enabled a fully operational digital lending platform with:
- Stable, production-ready mobile application
- Structured and compliant loan processing workflows
- Improved user confidence through transparency and real-time updates
- Faster onboarding and loan submission cycles
- Readiness for future expansion into insurance and financial add-ons
The platform is positioned for long-term scalability within the fintech ecosystem.
Why This Solution Works
This solution demonstrates a strong balance between product thinking and technical execution.
- The architecture supports future lenders, products, and compliance needs
- Real-time systems are integrated without compromising user experience
- Mobile-first design simplifies complex financial workflows
- Modular structure ensures maintainability and scalability
This approach is ideal for fintech products requiring secure onboarding, real-time verification, and multi-step user journeys — and reflects the agency's capability to deliver enterprise-grade mobile platforms in regulated industries.
Looking to Build a Secure, Scalable Fintech or Digital Lending Platform?
SightInfusion Infotech specializes in Flutter app development, real-time systems, and secure financial platforms for regulated industries.
This case study demonstrates how complex financial workflows can be transformed into reliable, user-friendly mobile products through thoughtful architecture and execution.