Features
Borrower → request loan with PAN, Aadhaar, income, documents
PAN / Aadhaar shown masked; full details visible only to assigned banker
Banker → manual verification, risk + CIBIL scoring, approve / reject
Banker offer creation with EMI auto-calc; borrower accepts or declines
Sanction letter step + audit-logged notes timeline (internal vs visible)
Admin → full visibility, lender CRUD, role-based user list, analytics
Strict role gating: admin views everything but cannot make banker decisions
Benefits
End-to-end loan lifecycle in one app, not 6 emails
Sensitive data masked everywhere except to the right banker
Every action logged — auditable trail for compliance
Future Scope
Real CIBIL API integration (placeholder today)
PDF sanction-letter generation
Multi-banker bidding flow on a single request