Getting a personal loan typically involves manual checks, paperwork, and long waiting periods, causing delays for customers who need quick financial support. Banks often struggle to balance fast approvals with responsible lending, leading to customer drop-offs or risky lending decisions

We developed a rule-engine-based personal loan platform that automates eligibility checks and approvals using real-time credit score analysis.

✅ How it works:

• Users enter basic details and consent for a credit score check.

• The platform fetches the user’s credit score from integrated bureaus in real-time.

• A configurable rule engine checks eligibility instantly based on credit score, income, and predefined lending policies.

• If eligible, the user sees instant loan offers with interest rates and EMI options tailored to their profile.

• Users can complete KYC and e-sign loan documents online to receive funds in their account quickly.

✅ Why it matters:

• Fast loan decisions, reducing approval time from days to minutes.

• Minimizes human error and lending risk using clear, configurable rules.

• Enhances customer experience while ensuring compliant, responsible lending.

Impact:
This system empowers lenders to disburse personal loans faster while maintaining control over risk, and helps customers access credit confidently, without the paperwork and waiting.