Lending & Credit Services/Fintech
Bank & NBFC-Backed Digital Lending Platform
Webapp Development
Qualiphy is a health-tech company that provides virtual consultations and medicine delivery. With a focus on chronic conditions like weight issues and diabetes, the brand promotes accessible and remote healthcare through subscription-based services and one-time product sales.
The project aimed to develop a comprehensive digital solution for Dhruva, consisting of two key components: a user-facing loan application flow and an admin dashboard for internal operations. The solution streamlines the borrower journey starting with PAN and Aadhaar verification, followed by automated CIBIL score retrieval to determine eligibility in real-time.
Based on key parameters such as income, CIBIL score, and employment type, the platform dynamically filters and presents relevant loan offers from multiple lending partners. The MVP phase was strategically focused on building core functionalities. It includes user onboarding, document collection, verification, and admin-side review workflows.
Future development phases are planned to enhance the platform further by incorporating disbursal tracking features and direct lender-side API integrations to ensure a seamless, end-to-end lending experience.
As India’s lending ecosystem evolves rapidly, digital platforms are playing a crucial role in simplifying access to credit for individuals and small businesses. However, navigating through multiple banks, understanding eligibility, and managing paperwork can still be overwhelming for borrowers.
To solve this, our team developed Dhurva, a seamless co-lending platform designed to bridge the gap between borrowers and banks. The platform helps users check their credit score, view loan offers from multiple banks, and apply directly, without the need for agents or physical paperwork.
From onboarding and KYC to fetching CIBIL scores and uploading financial documents, DHRUVA automates the entire journey in a user-friendly interface. With the ability to fetch a user’s credit profile and match it with suitable bank partners, Dhurva aims to speed up loan approvals and improve access to credit for both individuals and businesses.
The platform asks the user to choose the type of loan they are applying for. Whether it’s a business loan, gold loan and individual loan.
Once selected, users are informed they can get loans up to ₹10 Lakhs, based on eligibility.
These documents are securely stored and shared with banks during the loan application process.
Ensuring accurate and real-time validation of uploaded documents based on their specific type (e.g., PAN, Aadhaar, salary slips, bank statements) posed a technical challenge, requiring dynamic handling and verification logic.
The platform needed to accommodate distinct workflows for both salaried individuals and business loan applicants (MSMEs/startups), necessitating flexible yet unified architecture to handle different data points, eligibility criteria, and documentation requirements.
To account for discrepancies or edge cases in document verification, the admin dashboard required a manual override feature, allowing operational teams to intervene and validate mismatched or non-standard documents without disrupting the borrower journey.
Managing retries and error handling for critical third-party services — such as credit score pulls (CIBIL) and KYC verifications — was essential to ensure a smooth user experience despite intermittent failures or delays from external systems.
Adhering to regulatory requirements for data privacy, especially for sensitive information like Aadhaar numbers and bank details, required implementing robust masking protocols and secure handling practices to maintain compliance and safeguard user data.
Integrated a robust KYC process combining Aadhaar OTP verification with PAN-Aadhaar name matching to validate user identity. Additionally, a manual override option was provided within the admin dashboard to handle edge cases or mismatches, ensuring operational flexibility without compromising compliance.
We also customized the API handling logic to accommodate edge cases like missing data or mismatched identities, which are common with business profiles. With this premium access and close collaboration, we successfully enabled a real-time CBiLL score fetch that fit seamlessly into the DHRUVA onboarding process—improving accuracy, speed, and overall platform reliability.
Seamlessly connected with CIBIL and CBiLL APIs to retrieve credit scores in real-time, enabling the platform to dynamically filter and present only those loan offers for which the borrower qualifies, enhancing both relevance and approval likelihood.
We also customized the API handling logic to accommodate edge cases like missing data or mismatched identities, which are common with business profiles. With this premium access and close collaboration, we successfully enabled a real-time CBiLL score fetch that fit seamlessly into the DHRUVA onboarding process—improving accuracy, speed, and overall platform reliability.
Enabled loan-type-specific document upload flows, supporting distinct requirements for salaried individuals and businesses. Real-time validations ensured completeness and accuracy, while sensitive data like Aadhaar numbers and bank details were masked to uphold data privacy standards.
We also customized the API handling logic to accommodate edge cases like missing data or mismatched identities, which are common with business profiles. With this premium access and close collaboration, we successfully enabled a real-time CBiLL score fetch that fit seamlessly into the DHRUVA onboarding process—improving accuracy, speed, and overall platform reliability.
Captured and securely stored lead data prior to redirecting users to lending partners. This ensured that all user information was accurately logged and transferred in compliance with security and data handling protocols.
We also customized the API handling logic to accommodate edge cases like missing data or mismatched identities, which are common with business profiles. With this premium access and close collaboration, we successfully enabled a real-time CBiLL score fetch that fit seamlessly into the DHRUVA onboarding process—improving accuracy, speed, and overall platform reliability.
Developed a feature-rich admin dashboard equipped with lead status tracking, filtering, and assignment functionalities. This allowed internal teams to efficiently manage leads, monitor progress, and intervene where necessary to maintain smooth operational workflows.
We also customized the API handling logic to accommodate edge cases like missing data or mismatched identities, which are common with business profiles. With this premium access and close collaboration, we successfully enabled a real-time CBiLL score fetch that fit seamlessly into the DHRUVA onboarding process—improving accuracy, speed, and overall platform reliability.
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Frontend: |
React.js, Socket.io
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Backend: |
Node.js, Express.js
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Credit API: |
Third-party credit bureau
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Loan Offers
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Bank API endpoints
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Real-time Flow
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Websockets (Socket.io)
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The project successfully delivered a full-stack MVP covering both user-facing onboarding flows and internal operational tools, providing Dhruva with a strong foundation to support its growing co-lending platform. The solution now accommodates both manual and automated reviews across varied loan types, offering flexibility and control to the operations team.
With Phase 2 planned to enhance the platform further through lender-side API integrations, disbursement status synchronization, and robust notification workflows, Dhruva is well-positioned to scale and streamline its lending ecosystem. Post-deployment analytics have already demonstrated tangible benefits, including improved lead quality, faster verification times, and a more efficient path from application to approval.
