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Loan App-Web Flow

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jeughaleankush20
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17 views2 pages

Loan App-Web Flow

Uploaded by

jeughaleankush20
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Admin Flow

1. Login
○ Admin logs in using their credentials.
○ Option to reset the password if forgotten.
2. Dashboard
○ Key Sections:
■ Active Loans:
■ Total active loans displayed.
■ Pending loans count.
■ Approved loans count.
■ Non-Performing Accounts:
■ Accounts with disputes are listed.
■ Transaction Reports:
■ All transaction details.
■ NOC Requests:
■ Pending requests for No Objection Certificates (NOC).
■ Approved NOC requests available for download.
3. APIs Integration (Important points to be noted):
○ PAN Card API.
○ Aadhaar Card API.
○ Google API.
○ Payment Gateway API.
○ CIBIL Score Checker API.
○ ECS (Electronic Clearing System) registration via banks.
○ EMI Calculator.
4. Loan Management Features:
○ Foreclosure:
■ Conditions for foreclosure.
○ Partial Payment:
■ Impact on interest rates and repayment rules.
○ Missed EMI:
■ Penalty per day for missed EMI payments.
User Flow

1. Sign-Up Process
○ User registers by providing:
■ Name.
■ Phone or Email.
■ Password.
○ Option to sign up via Google.
2. Login
○ User logs in using credentials or Google.
○ Option to reset password using OTP.
3. Document Verification
○ Upload Aadhaar and PAN card for verification.
○ CIBIL score verification through API.
4. Loan Request
○ Eligibility Check:
■ User is informed about their eligibility for a loan amount.
○ Required Documents:
■ Aadhaar and PAN.
■ Salary slips.
○ Application Process:
■ Submit loan request.
■ Data saved in the system for review.
■ Approved loans are displayed in the dashboard.
5. Loan Disbursal
○ Guarantor Details:
■ Name, contact number, and relationship.
○ Final processing by bank backend.
○ Loan disbursed successfully.
6. Loan Details Dashboard
○ Displays:
■ Total loan amount.
■ Payable amount.
■ Pending amount.
■ Loan tenure (in months/years).
■ EMI due dates.
■ Transaction history.
7. NOC Certificate
○ After loan completion:
■ User can download the NOC certificate from the dashboard.

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