One-stop App to Apply & Track Home Loans

Building a Hybrid-Cloud Online Platform Using Google Cloud for One of the Largest Housing Finance Mortgage Loan Companies in India


About Customer

Our client is one of the largest Housing Finance Companies in India with a key objective of providing long term finance to individuals for the purchase or construction of house/flat for residential purposes in India. With a dynamic portfolio, the company is amongst the pioneers in India ensuring access to housing finance for home ownership.






Applying & Tracking Loan Application


Total Downloads

1M +

Challenges and Problem Statement

The traditional process of loan application used to be time consuming and exhausting for borrowers and lenders alike. The whole process incorporated inconveniences like in-person application, submission & manual verification, which resulted in a dreadful exercise. 

With the whole paradigm shifting towards digitisation and automation, it was necessary to develop a Hybrid – Cloud Mobile application which will cater to the needs of all Home Loan applicants. Following were the challenges which had to be addressed:

  • Access through a range of devices
  • Working with existing workflows
  • Payment Gateway Integration for Payumoney
  • Real-time data synchronization between GCP to OnPrem
  • Achieve ability to scale automatically to handle peak customer loads securely

Key Highlights of the Implementation

  • Developing a Hybrid – Cloud Mobile application and hosting on Google Cloud Platform.
  • Mobile number validation via OTP
  • OCR integration for the uploaded documents
  • EMI and Loan eligibility calculators
  • Dialogflow Integration for Chatbot assistance
  • Tracking of application status and Downloading the pre-loan certificate
  • Agent Login flow for agents to apply for loans and track the applications of their customers 
  • Customer Login Portal for existing clients to log in and securely download the eSigned TDS, Repayment Certificate
  • Payment Gateway Integration 
  • Multilingual Support

The Solution

A Hybrid – Cloud Mobile application has been developed and hosted on Google Cloud Platform, and the customer and agents can download the app from the Play Store or App Store.

GCP has enabled us to build highly responsive experiences for users, which are backed by powerful computing resources remotely. Google’s private fiber network spanning the globe with over 100 points of presence across many countries, empowers the app with unmatched speed while the app data reaches users with very low latency.

The application doesn’t need versioning, making it trouble-free like updating a web page, that too in real-time. This level of flexibility has further enabled the scalability requirements of the company.

The application has options for both the customers and the agents to register by just using their mobile number, which will generate an OTP. With the help of this, the users can log in securely with user id and password and apply for a loan, filling the mandatory fields and uploading the documents leveraging the OCR integration.

An integrated Loan Eligibility and EMI Calculator has been built to assist users to understand their eligibility depending on their income and repayment capacity, and also to give a clear understanding of the amount that needs to be paid towards the EMIs.

Based on the details provided to calculate the Loan Eligibility, a pre-loan certificate is issued showcasing the amount of loan that the user can get and the EMI for that particular amount. Users can download this pre-loan certificate.

Dialogflow has been integrated for Chatbot assistance to support and scale the housing finance team in their relations with customers.

Users can track their Application Status to check their Home Loan journey starting from login to sanction stage.

The app has a separate flow for the agents. Starting from login to applying for loans on behalf of their customers to track the application status, it covers all.

A separate Customer Login Portal has also been made for the existing clients to log in and securely download the eSigned TDS, and Repayment Certificates.

Payment Gateway is integrated for making online payment of charges and fees. Also, the application has multilingual support for Hindi.

Technology Stack

  • React Native for Android and IOS Back End
  • Java Spring Boot
  • SQLite Database, firestore
  • Cloud FireStore
  • Cloud SQL (Postgres)
  • Firebase storage
  • Jenkins
  • Private VPC
  • FireWall Rules
  • Binary Authorization
  • Security Policies
  • Cloud Armor
  • VPN

Customer Feedback

Hitesh Talreja

“Thanks to Google Cloud & Niveus Team who helped us launch our Digital Platform for Loan Application on Google Cloud which can now be easily scaled to meet our growth using Google Kubernetes Engine. Appreciate the efforts & expertise of Niveus & Google Cloud team in taking the our Home Loans Application live in a short period of time.”

Hitesh Talreja

Chief Manager (IT) at LIC Housing Finance Ltd.
Drive Modernization to Unlock Innovation
with Google Cloud