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FinTech · Loan & Lending Apps

Loan & Lending Mobile App Development Services in Ahmedabad

Raqbash provides loan & lending mobile app development services in Ahmedabad for NBFCs, digital lenders and their lending service providers: a borrower app that runs from KYC to a signed Key Fact Statement and e-mandate, and a credit panel where your team decides, disburses and collects.

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  • 4.9 rated in Ahmedabad on Google Reviews
  • In-house team in Ahmedabad
  • Last updated:
Years in business (since 2016)
10+
Clients across India
100+
Average client rating
4.9/5

Loan & Lending app at a glance

Platforms
Borrower app for iOS and Android, a credit web panel, optional collections app
Typical cost
₹14–45 lakh, depending on scope
Typical timeline
14–18 weeks (Borrower app) to 6–9 months (Lending platform)
Compliance & security
RBI digital lending and KYC practices, Google Play personal loan policy for India, DPDP Act 2023 consent
Tech stack
React Native or Flutter, Node.js or Python, PostgreSQL, bureau and AA APIs, eSign, eNACH
Location
Ahmedabad, Gujarat, India. Serving clients across India and worldwide.

Overview

Loan App Development Company in Ahmedabad

A loan app takes a borrower from application to repayment on a phone: KYC, a credit check, a clear offer, a signed agreement and EMIs on AutoPay. Raqbash builds the borrower app and the credit team's panel for NBFCs, banks and the lending service providers that partner with them.

Indian lending apps carry specific rules. RBI's digital lending directions expect a Key Fact Statement before signing, money flowing directly between borrower and lender accounts, and only need-based phone data, taken with consent. We build those into the flow; your compliance team decides how each rule applies.

The app ecosystem

The Lending App Ecosystem We Build

Lending needs three connected tools, all writing to one loan record so audits read cleanly.

  • Borrower app

    For salaried and self-employed borrowers.

    • Apply and finish KYC on the phone
    • Share bank data via Account Aggregator
    • Read and sign the Key Fact Statement
    • Set up eNACH or UPI AutoPay
    • Track EMIs, prepay or close

  • Credit & ops panel

    For underwriters and operations staff.

    • Review bureau and statement data
    • Approve, reject or counter-offer
    • Trigger disbursal to the borrower
    • Resolve grievances with timestamps

  • Collections app (optional)

    For field officers following up overdue loans.

    • See prioritised overdue visits
    • Log visits with location consent
    • Send a UPI payment link
    • Follow your fair-practices script

Key features

Key Features of a Loan App

Six features decide whether a borrower finishes the application and repays on time.

  1. KYC without a branch visit

    CKYC search first, then DigiLocker or Video KYC where needed, so returning customers skip uploads.

  2. Credit checks on bureau and AA data

    A bureau pull and Account Aggregator statements feed your rules, instead of PDF statements that are easy to alter.

  3. Key Fact Statement before signing

    The KFS shows the all-inclusive APR, total cost and cooling-off terms before eSign, and acceptance is logged.

  4. Repayment by eNACH or UPI AutoPay

    Borrowers set the mandate once in the app; a failed debit triggers a reminder with a pay-now link.

  5. Loan dashboard and EMI schedule

    Paid and upcoming EMIs, part-prepayment and a statement of account, so borrowers stop calling to ask.

  6. Grievances and early exit

    Grievance officer details on every loan, a complaint tracker, and an exit option during the cooling-off period.

How it works

How a Borrower Uses Your Loan App

From install to disbursal takes five steps, and the full cost is visible before anything is signed.

  1. Step 1

    Apply

    Mobile number, PAN and the amount needed.

  2. Step 2

    Complete KYC

    CKYC, DigiLocker or Video KYC.

  3. Step 3

    Share bank data

    Account Aggregator consent for statements.

  4. Step 4

    Read the KFS and sign

    Full cost first, then eSign and mandate.

  5. Step 5

    Receive and repay

    Funds to their own account; EMIs on AutoPay.

Security & compliance

Security & Compliance for Loan Apps

Lending apps attract fraud and scrutiny, so phone access is minimal and every consent is on record.

  • Minimal phone permissions

    No contacts, photos or call logs. Camera, microphone and location once, with consent, for KYC.

  • Direct fund flows

    Disbursal and repayment run between borrower and lender accounts, never through a pool account.

  • A complete audit trail

    KFS views, consents, eSign and mandate events stored with time, device and app version.
  • Root and emulator detection before KYC
  • Certificate pinning on bureau and AA calls
  • PAN and Aadhaar masked on screen
  • Borrower data stored in an Indian cloud region

Cost & timeline

Loan App Development Cost

A borrower app with KYC, Key Fact Statement and e-mandate typically costs ₹14–20 lakh; a full platform with credit panel and collections app costs ₹25–45 lakh.

  • Most common starting point

    Borrower app

    ₹14–20 lakh

    14–18 weeks

    A lender launching one loan product.

    • Borrower app for iOS and Android
    • KYC, KFS and eSign
    • eNACH or UPI AutoPay
    • Basic ops panel

  • Lending platform

    ₹25–45 lakh

    6–9 months

    Several products with in-house credit rules.

    • Credit and ops panel
    • Bureau and AA integration
    • Collections app
    • Grievance tracking

What moves the cost of a loan and lending app

  • Loan products

    Each product adds rules, documents and a KFS variant.

  • Credit rules

    A configurable rules engine costs more than one fixed scorecard.

  • Partner lenders

    Co-lending or several lenders means separate disclosures and fund flows.

  • Collections

    A field app with offline visit logs is a second app to build.

Indicative ranges from Raqbash projects in Ahmedabad, excluding store fees, cloud usage and support. Not a quote. See Mobile app development cost in Ahmedabad for how the bands are built.

Technologies & integrations

Loan App Technologies & Integrations

Most of the work is in integrations, so we test each sandbox before quoting.

Mobile

  • React Native
  • Flutter
  • Kotlin
  • Swift

Backend & cloud

  • Node.js
  • Python
  • PostgreSQL
  • AWS India region

Lending integrations

  • eKYC and CKYC providers
  • DigiLocker
  • Video KYC platforms
  • Account Aggregator
  • Credit bureau APIs
  • Aadhaar eSign
  • eNACH and UPI AutoPay
  • Razorpay

Why Raqbash

Why Lenders Choose Raqbash

Lenders choose us because we have built lending workflows end to end.

  • We have built loan management

    Our loan management system work covers bureau scoring, EMI schedules and collections.

  • Designed for SME borrowers too

    Flows for traders and GIDC units, not only salaried users.

  • Disclosure screens signed off first

    Your compliance lead approves KFS and consent screens in the prototype.

  • Gujarati and Hindi

    KFS summaries and reminders a borrower can read in their own language.

Related work from our portfolio

How we deliver

How we build and launch your loan and lending app

Lending projects follow our six steps, with your compliance lead signing off KFS and consent screens before sprint one.

  1. Step 01

    Discover & Scope

    Written scope, screen list and fixed estimate

  2. Step 02

    UX & Clickable Prototype

    Clickable prototype you can test on a phone

  3. Step 03

    Agile Build (2-week sprints)

    A working build to install every sprint

  4. Step 04

    QA, Security & Real-Device Testing

    Test report across real Android and iOS devices

  5. Step 05

    App Store & Play Store Launch

    Live store listings under your developer accounts

  6. Step 06

    Support, Analytics & Growth

    Monthly crash, usage and release report

FAQ

Loan & Lending Mobile App Development Services in Ahmedabad: FAQs

Practical answers for teams planning a loan and lending app.

Will the app follow RBI's digital lending rules?

We build to them; your compliance team decides how each applies. The app shows a Key Fact Statement with the all-inclusive APR before signing, allows exit during the cooling-off period, collects only need-based data with consent, and moves money only between borrower and lender accounts. Compliance stays the regulated lender's; we do not certify it.

Will Google Play accept our personal loan app?

Usually, if the paperwork is right, though approval is Google's decision. For India, Play asks for a personal loan declaration and proof of the RBI-regulated lender behind the app, and bars access to contacts, photos and call logs. Apple sets its own disclosure and term limits for loan apps. We re-check both before each submission.

Can the app pull bank statements through Account Aggregator?

Yes. The borrower approves a consent in their AA app, choosing accounts, period and purpose, and the data reaches your system in a structured format. The regulated lender joins the AA network as a financial information user. We build the consent flow, parse the statements and feed the results to your credit rules.

Do you build the credit decision engine?

We build the rules engine and workflow, not your credit policy. Your credit team sets cut-offs, bureau thresholds and income rules, and the panel applies them consistently, with every decision logged. Many lenders start with clear rules and add a scorecard later. Final decisions stay with your underwriters, and we never promise approval rates.

Can borrowers repay by UPI AutoPay or eNACH?

Yes, both. Borrowers authorise the mandate inside the app, through UPI AutoPay or eNACH with net banking or a debit card, and debits go directly to the lender's account. If a debit fails, the app sends a reminder with a UPI pay-now link, and the ops panel lists every bounce for follow-up.

Can our lending service provider publish the app?

It can, if your arrangement with the regulated lender allows it, and the lender still reports the app to RBI as one of its digital lending apps. Borrowers must see which lender they are dealing with on the key screens. Your compliance team confirms the set-up; we build the disclosures and branding to match it.

How much does a loan app cost and how long does it take?

Typically ₹14–20 lakh over 14–18 weeks for a borrower app with KYC, Key Fact Statement, eSign and e-mandate. A full platform with a credit panel, bureau and Account Aggregator decisioning and a collections app usually costs ₹25–45 lakh over 6–9 months. You get a fixed quote after we review your loan products.

Start your loan app project with Raqbash

Share your loan products, your regulated lender and the systems you run. We will send a written scope and a fixed quote for loan & lending mobile app development services in Ahmedabad.

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