Fintech apps built around your partner's rules, not around shortcuts.
Loan journeys, collections, payment flows and investment dashboards for NBFCs, banks and their partners. We build the product and follow the compliance requirements your regulated partner sets.
- Loan originationApplication and document upload
- Credit decisionsRules set by your credit team
- Loan managementEMI schedules and statements
- CollectionsDues by bucket and agent
- Payments and walletsPayment gateway integration
- Investment dashboardsHoldings and returns view
What is fintech app development?
Fintech apps move money or credit through software. A lending app takes applications, checks KYC, runs credit rules and tracks repayments. A payment app collects and settles money. An investment dashboard shows holdings and returns. Each needs clear records of who agreed to what, and when.
In India, most of these must run with a regulated entity such as an NBFC or bank. We build for those entities and their partners. Their compliance team sets the rules, and we build them into every screen and record.
What changes. The everyday problems we hear most, and what fixes them.
TodayLoan applications stall while documents go back and forth on email.
With AviralApplicants upload once, KYC runs through licensed providers, and gaps are flagged.
TodayCredit rules live in an analyst's Excel sheet.
With AviralYour rules run in a decision engine, with every decision logged.
TodayCollections teams call borrowers with outdated dues.
With AviralLive dues, promises to pay and call history in one app.
TodayAuditors ask for records that are spread across five tools.
With AviralEach application keeps a full trail of consents, checks and actions.
Applicants upload once, KYC runs through licensed providers, and gaps are flagged.
- Loan originationOn
- Credit decisionsOn
- Loan managementOn
- CollectionsOn
What's included. Shaped around your process. You only pay for what you need.
Loan origination
- Application and document upload
- eKYC through licensed providers
- Loan terms shown clearly
Credit decisions
- Rules set by your credit team
- Credit checks through partners
- Manual review queues
Loan management
- EMI schedules and statements
- Auto-debit repayment mandates
- Foreclosure and part-payment
Collections
- Dues by bucket and agent
- Field visit app
- Payment links on WhatsApp
Payments and wallets
- Payment gateway integration
- Wallet ledgers through partners
- Reconciliation reports
Investment dashboards
- Holdings and returns view
- Goal tracking
- Statements and alerts
From application to closure. Every step on the record.
Apply
Borrower applies and gives consent in the app.
Verify
KYC and credit checks through licensed partners.
Decide
Your credit rules approve, reject or refer.
Disburse
Lender disburses; repayment mandate is set up.
Collect
EMIs tracked, reminders sent, loan closed.
Custom fintech build vs a white-label platform
| Compared on | White-label platform | Built by Aviral |
|---|---|---|
| Product journey | Vendor's standard screens | Designed for your borrowers |
| Credit rules | Within preset options | Your credit policy as written |
| Partner integrations | Vendor's chosen partners | Your chosen partners |
| Reports | Standard set | What your partner and auditors ask for |
| Compliance changes | On the vendor's roadmap | Built as your partner requires |
What decides the cost. Every project is priced on its scope, in writing, before work starts.
- Lending, payments, wallet or investment product
- Number of KYC, credit and payment partners
- Credit rules and decision complexity
- Security reviews and audit requirements from your partner
- Borrower, agent and admin app scope
Connects to what you already use.
- Razorpay
- UPI
- Lending partner systems
- KYC and verification services
- Repayment mandate services
- Your loan management system
- WhatsApp Business
Questions we get asked.
Do you hold a lending or payments licence?
No. We are a software company. We build for NBFCs, banks and their licensed partners, and follow the compliance needs they set.
Can you follow digital lending rules?
We build what your compliance team asks for, such as consent capture and clear disclosures. Your regulated partner decides what is required.
How is borrower data protected?
Data is encrypted, access is by role, and every action is logged. We handle consent in line with the DPDP Act and your partner's policies.
Can you integrate with our existing loan management system?
Yes, where it offers an API or data export. The new app can sit in front of your current system.
What does a fintech app cost?
It depends on the product, partners and security needs. You get a written proposal after a detailed scoping session.
Related.
See it running on your data.
Send a few details. We'll call, ask how you work today, and show you the parts that matter to you.
Prefer to talk now? Call +91 83830 08380