Instant Loan & Lending App for iOS & Android
A personal loan app built as an ONDC network participant. One guided application searches, compares and confirms offers across multiple lenders, with Account Aggregator consent replacing document uploads.
01The challenge
One lender at a time, with paperwork at every step
Borrowers in India apply to one lender at a time, resubmitting the same documents, with no standard way to share verified financial data.
No comparable offers
No single application could reach several lenders and surface offers side by side.
Documents by hand
Income and identity proof meant manual uploads, slow and easy to get wrong.
No consented data path
Nothing pulled verified financial data straight from a borrower's bank with their permission.
Compliance at every step
KYC, e-sign, e-mandate and grievance handling all had to meet RBI lending rules.
02What we built
Built as a network participant, not a single lender app
The app is a Beckn protocol buyer app against the client's own production node, so one application triggers a real search, select, init and confirm across lender platforms.
Application flow design
A 14 screen journey from PAN and address through consent, lender choice, KYC, e-sign and disbursement.
ONDC and AA integration
Beckn protocol search, select, init and confirm, plus a backend driven list of approved aggregators.
Flutter build
Provider state across the loan flow, embedded WebViews for consent and signing, WebSocket status updates.
Building on the ONDC lending network means new lender partners plug into the same transaction flow rather than needing their own integration.
03In the app
One application, many lenders
The journey stays continuous even though the offers come from different institutions.
A borrower fills in one form. Behind it, the app is transacting on a network, so the offers that come back are real and comparable rather than a single lender's answer.
01Guided 14 screen application
Personal and PAN details, address, aggregator choice, lender list, offer comparison, review and KYC.
02Live multi lender matching
Search, select, init and confirm against a production Beckn node return comparable offers.
03Account Aggregator consent
Users pick from approved aggregators and share verified financial data instead of uploading documents.
04Embedded e-KYC and e-sign
Consent watches for its completion redirect and auto advances, while signing confirms explicitly.
05Loan insights dashboard
Credit score, eligibility and a financial health snapshot pulled from the aggregator response.
06After disbursement
Loan history, saved loans, missed EMI tracking, pre-payment and foreclosure maths, plus a grievance system.
04The instance
Hindustan Loans, as it ships
Three screens from the app: home, lender comparison, then blogs.
Home carries active loans, insurance and gift cards under one Quick Info card, with Quick Links routing straight into a personal loan, business loan or gift card application.
Lender comparison lists every matched institution side by side, max amount, rate and tenure included, with a single select carried into the next step.
A Blogs and Publications feed sits behind Customer Service, so borrowers can read about lending topics without leaving the app.
05Stack
Flutter on top of an ONDC network lending backend
The compliance heavy steps stay in their own regulated surfaces.
06Results
A production integration into India's lending network
One integration, and the lender list grows without an app change.
Dart files across pages, providers, repos and services
Screens in the guided loan application
Commits shipped over the build window
Live ONDC buyer app reaching multiple lenders
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
Live production integration on the lending network
Account Aggregator consent for financial data sharing
Shipped and live on Google Play
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