₹74K 18% 72M ₹1.8L 13% 60M
First Offer
Generating Your Offer
Analysing eligibility, income & credit profile
to compute the best loan offer for you…
Fetching salary & obligations…
HDFC
👑
InCred
ICICI
Axis
Loan Analytics
Loading Loan Analytics
Matching your profile to banks, rules & eligibility criteria…
Analysing salary & FOIR…
🎉
Success!
The operation completed successfully.
🏦 Secure Banking Platform

Financial
Intelligence
Simplified.

Manage loan applications, track disbursements, and streamline your entire lending workflow — all in one place.

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Dashboard
Profile
Your account details, preferences and activity
User Name
Active
🏷 📞 🆔
🕐 Last login: 📊 Account age:
About
Documents
Primary Details
Bank Details
Individual
Address Details
Residential Address
Good Morning, Admin 👋
Here's what's happening with your loan portfolio today.
System Online
📋
Total Applications
0
 
Disbursed
0
 
In Process
0
 Needs attention
🚫
Rejected
0
 
Application Pipeline
Recent Activity
Monthly Disbursals
FY 2025–26
Applications
Disbursed
Loan Type Mix
Application ID Applicant Loan Type Amount Status Sales Person Created Actions
Show Result
EFIN4261234
Personal Loan — Rahul Sharma
📋 Overview
👤 Personal Details
🏠 Address
💼 Employment
🤝 References
📁 Documents
🏦 Lender Details
🔵 Timeline
📊 Reports
🏦 Bank Details
InCred
View mode
Bank Temporary Application Number Application Number Approved Loan Amount Remarks
📊 CIBIL Report
🏦 Perfios Report
🏦 Bank Eligibility
ℹ️ Other Info
💰 Initial Offer
📊
CIBIL Credit Report
Click below to fetch the credit report for this applicant.
New Loan Application
A guided process — takes about 5 minutes to complete
Contact & Assignment
Fields marked with * are required to proceed.
— Select Location —
— Select Sales Person —
KYC Verification

Upload Aadhaar and PAN card. Details will be automatically extracted and pre-filled into the application. All extracted fields remain editable.

🪪
PAN Card Required
Permanent Account Number · JPG / PNG / PDF
PAN Preview
🪪
Aadhaar Card
UIDAI Identity Document · Front & Back required
Front Side *
Aadhaar Front
Back Side *
Aadhaar Back
AI-powered OCR • Works with images & PDFs
Personal Details
First name, last name, and date of birth are required.
Address
Select State
Permanent Address
Employment Details
Employment type and monthly income are required.
Select Designation
Initial Offer
₹0
Estimated Monthly EMI
₹0
Principal
₹0
Total Interest
₹0
Total Payable
🧮
Loan Eligibility Intelligence (CAM)
Enter the applicant's salary above to compute the eligible loan amount, tenure range, and interest rate using the CAM format matrix.
References
🤝 Reference 1
🤝 Reference 2
Documents
Loan Analytics

Based on the applicant's profile, the system identifies eligible lending banks. Select up to 2 banks for this application.

Roles & Access Rules
Security groups and record-level access rules
Security Groups
Access Rules
Rule Name Applied To Domain Filter Groups
🏦 Lender Configuration
Select a loan product to manage its bank eligibility settings
Choose a Loan Product
💰
Personal Loan
Unsecured · Quick disbursal
Full Config ✦
🏦
Business Loan
Self-employed · MSME
Full Config ✦
🏠
LAP
Loan Against Property
Full Config ✦
🏡
Home Loan
Purchase · Construction
Full Config ✦
🎓
Education Loan
Domestic · Abroad study
Full Config ✦
🚗
New Car Loan
New vehicle finance
Full Config ✦
🚙
Used Car Loan
Pre-owned vehicle
Full Config ✦
💳
Overdraft / Cash Credit
Business cash credit · OD / CC
Full Config ✦
🛡️
Insurance
Life · General · Health
Full Config ✦
Banks & NBFCs
Manage lending partners
Bank Name IFSC Emp Code Location RM Name RM Mobile Email Remarks Actions
InCred Integration
API-driven loan processing
API Status
Connected
https://api.incred.com/v3
Pending Offers
0
Offers This Month
0
InCred Applications
App ID Applicant InCred App ID Loan Amount Offer Status Actions

EMI Calculator

Advanced loan EMI calculator with amortisation, prepayment simulation, and scenario comparison.

Interest Method
₹50K₹1Cr
5%36%
Years
Months
6 mo30 yr
Reports & Analytics
All applications · Live data
Filter:
Date range:
Total Disbursed
💰
₹0
Avg. Loan Size
📏
₹0
Median
Disbursed Avg
Min–Max: —
Conversion Rate
0%
Disbursed / Total
Rejection Rate
0%
vs total
Login-to-DDR Ratio
Login → Disbursed Benchmark: 40%+
Avg TAT (Login→Disb)
Best
Worst
Samples
0
Days · based on tracking
Stage TAT Breakdown
Avg
PD → Underwriting · days
Active Pipeline
₹—
0
In-progress apps
📅 Monthly Targets & Achievements
Month-over-Month Performance
⏱ TAT Detail — Monthly Avg Days
🔽 Pipeline Stage Funnel
⏱️ Active Time by User & Group (Hours)
Disbursals by Loan Type
Top Banks by Volume
👤 User Performance
Click column header to sort
# Name Applications Disbursed Volume Conversion Rejection Avg TAT Trend
⏱ User Active Time
Total time across all of a user's cases (in hours). Click a row to expand per-case.
# User Cases Active Cases Total Active Time Avg / Case Longest Case
📡 Lead Source Mix
📊 CIBIL Score Distribution
🏙 Top Cities by Applications
👔 Employment Type Breakdown
💰 Loan Amount Buckets
Helpdesk Tickets
Support tickets linked to applications
Ticket ID Subject Linked Loan Customer Priority Status Created Actions
Tasks
Tasks assigned to you or created by you — linked to your applications
My Tasks
Created by Me
Assigned to Me
Policies & Roles
Role-based permission groups — team_workflow module
Logged in as:
💰 Payout
Track your commission claims, disbursements and payment receipts
Total Disbursed
₹0
0 claims
💰 Total Payout
₹0
Approved + Paid
✓ Approval Rate
0%
Based on submitted claims
⏳ Pending
0
Awaiting review
✓ Approved
0
₹0
💳 Paid
0
₹0 received
✕ Rejected
0
Claims declined
📅 This Month
0
₹0 claimed
My Claims
🔍 Search
⏳ Status
📅 Month
📦 Product
Loan / APACCustomerProductBank Disb.ClaimedPayout Claim MonthDisb. DateStatusUTR / RefActions
No claims yet
0 claims
Team Overview
Workflow summary — teams, locations, tickets and webhooks at a glance
Sales Teams
3
Active teams
Login / Op Teams
2
Operation teams
Locations
5
Active locations
Open Tickets
2
Pending resolution
Recent Tickets
Ticket Team Assigned Status
Recent Webhooks
App ID Event Status Time
Sales Teams
Manage sales departments, leaders and team members
Sales Team Team Leader Location Members Status Actions
Login / Operation Teams
Manage operation and login departments
Login Team Operation Leader Location Members Status Actions
Locations
Branch / city locations for loan operations
# Location Name Sales Teams Login Teams Users Actions
Users
User accounts, roles, locations and team assignments
Name User ID Email / Login Role Status Locations Sales Team(s) Operation Team(s) Actions
Select Loan Product
Choose the loan type to begin your application
💰
Personal Loan
Unsecured · Quick disbursal
🏦
Business Loan
Self-employed · MSME
🏠
LAP
Loan Against Property
🏡
Home Loan
Purchase · Construction
🎓
Education Loan
Domestic · Abroad study
🚗
New Car Loan
New vehicle finance
🚙
Used Car Loan
Pre-owned vehicle finance
💳
Overdraft / Cash Credit
Business cash credit · OD / CC
🛡️
Insurance
Life · General · Health
Policy Workflow ✦
📋 Policy & Product
Manage master lists used across the application workflow
🧮
First Offer Matrix
Edit salary bands, interest rates, tenure range and FOIR caps used in the First Offer calculator
ADMIN ONLY
👤
InCred RM Emails
Manage Relationship Manager records used for InCred API applications
0 RMs
🚫
Application Rejection Reasons
These options appear in the Reject Application modal. Changes apply immediately across all users.
ADMIN ONLY
⚙️ Settings
All system configuration in one place — Admin access only
ADMIN ONLY
📧 Mail & Email
🔐 Roles & Permissions
🛠 System & Data
🎨 Logo & Branding
📮
Email Provider
Choose how EFIN sends all system emails — Gmail SMTP or Brevo API
✉️
Sender Identity
The name and address that appears in the From field of every email
📧
Gmail SMTP Setup Not configured
Uses EmailJS as a secure browser relay — complete Steps A → D below
🔧 One-Time Setup — Steps A → D
A Generate a Gmail App Password
1 · Open myaccount.google.com/security → enable 2-Step Verification
2 · Search "App Passwords" → Select MailOther → type EFINGenerate
3 · Copy the 16-character code shown (e.g. abcd efgh ijkl mnop)
B Create a free EmailJS account
1 · emailjs.com → Sign up free (200 emails/month)
2 · Dashboard → Email ServicesAdd New Service → choose Gmail → Connect → copy Service ID
C Create an Email Template
Dashboard → Email TemplatesCreate New → Set To: {{to_email}}, Subject: {{subject}}, Content: {{message}} → Save → copy Template ID
D Get your Public Key & paste all credentials below
Dashboard → AccountGeneral → copy Public Key → paste all three IDs + App Password in the fields below
All credentials stored locally on this device only — never sent anywhere except EmailJS servers
○ Gmail address
○ App Password
○ Service ID
○ Template ID
○ Public Key
🎉
Invitation Email
Automatically sent to every new user when their account is created
AUTO
Enabled
📋
All Email Templates
View and customise every email EFIN sends — 8 templates in total
📨 Customer Reply Scanner
Paste a customer's email reply below. The system detects the EFIN Application ID and acceptance keywords, attaches the reply to the application timeline, and advances the status when the customer confirms.
Awaiting Customer Confirmation
DSA Management
Manage Direct Selling Agents linked to your organisation
Total DSAs
0
Active
0
Inactive
0
Mapped Partners
0
View Mapping ›
DSA Name DSA Code Mobile Email Mapped Partners Applications Status Actions
No DSAs added yet
Partner Management
Manage all registered Partners and Agents
Total Partners
0
Active
0
Inactive
0
Partner Name Partner Code Mobile Email Type Mapped DSA Status Actions
No partners added yet
Salary Slip Extraction — Auto Income Check
Upload 3 months' payslips · System auto-extracts Net Pay, Gross & Deductions · Data flows to Income Check
1
Upload Slips
2
Verify Data
3
Confirm & Attach
💡 Upload the last 3 months' salary slips in any format — PDF, JPG/PNG, Excel (XLSX), or CSV. The system will auto-extract Net Pay, Gross Pay and Deductions. Password-protected PDFs are also supported. You can also fill in values manually.
Slip 1
📋
Month 1
PDF · Image · Excel · CSV
Slip 2
📋
Month 2
PDF · Image · Excel · CSV
Slip 3
📋
Month 3
PDF · Image · Excel · CSV
Manual / Auto-Extracted Values — Edit if needed
MonthNet Pay (₹) ✱
✱ Net Pay = take-home figure from the slip
Processing…
Extraction Complete — Review before confirming
Avg Net Monthly Pay
Perfios Banking System v9.0 — Bank Statement Analysis
Last 6 Month Bank Statement (Salary Account)  ·  45+ banks supported  ·  Password-protected PDF  ·  90-day validation  ·  ABB computation  ·  Salary / Bounce / ACH / ECS detection  ·  Full Excel export