PFL is a registered NBFC finance company in RBI which provides the different types of loans (Ex. Mortgage loand and Vehicle loans) to the customer based on income, debt levels, and other financial income and expenditure.

• Not able to apply multiple loans:- Earlier the user will be able to apply for a single loan in the systemand user will not be able to apply for multiple types of loans
• No calculations for property mortgage :- Earlier there was no calculation available for property mortgage in the system, the admin has to do calculation manually.
• Vehicle Loan calculation Logic:- There was no specific vehicle loan calculation available in the system , whether it for new vehicle loan or old vehicle loan. The admin team has to do vehicle loan calculation manually based on vehicle type and vehicle condition.
• Loan Lead distribution between the PFL Team:- There was no proper lead distribution hierarchy in the systemand there was no option by which the PFL team can track who is sales person and currently what is lead status
• Loan payment directly to the merchant from the system:- Users were not able to pay the loan payment directly from the system to the merchant with whom the user has taken the loan.
• No Grid amount management for used vehicle loan :- There was no grid amount management for user vehicle loan in the admin panel.

• Earlier customers can take only one type of loan for himself/herself but we have converted the loan process into multiple so that now one customer can apply for multiple loans whether it is mortgage or vehicle loan and if the user is applying for multiple types of loan in the system then user’s basic information will be automatically filled in the loan application form
• Once the user has entered the property details in the system for the property mortgage then the property valuaton calculation can be calculated in Total DLC amount and Total Market Value amount
• The user will be able to enter his/her income, expenditure, and other income and based on this system is getting the user’s net annual income (income - expenditure) + other income after this calculation the user will be able to view the how much loan amount he/she will be able to get in loan and what will be the monthly EMI which user has to pay.
• The Loan lead will automatically equally be distributed between all the operational managers and then the operations manager will be able to assign the leads to the area manager and once the area manager has received a lead then he will be able to assign this lead further to branch manager. The branch manager will be able to assign the leads to the available salesperson and once the sales person has updated the lead status then it will be updated in all the users (Operations manager, area manager, and branch manager).
• The user will be able to pay his/her loan monthly EMI directly to the merchant by using the system. The system has two payment gateways 1 ICICI and 2. Payu Money payment gateway to allow the user to pay the monthly EMI by using
• The admin will be able to set the grid amount for used vehicle loans and based on the grid amount only the user’s loan eligibility will be calculated.