Kreditmitraa is a mobile-first short-term loan platform. Users register with a mobile OTP, complete their KYC and bank profile, wait for admin approval, calculate the exact repayable amount for a 15 or 30-day loan, apply in a few taps, track the loan from application to disbursal, and repay by UPI with a receipt upload. A built-in referral programme lets users earn wallet rewards and request withdrawals.
Every engineering milestone tied directly to verifiable application speed, scalability, and bottom-line revenue impact.
Explore the production-deployed UI engineered for effortless customer booking, responsive multi-device adaptability, and streamlined operational control.
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How we deconstructed technical debt, eliminated bottlenecks, and delivered an uncompromising system.
Short-term consumer micro-lending requires strict borrower authentication, zero unverified loan applications, and 100% transparent fee breakdowns (interest, processing fees, platform charges, and GST) before borrowing. Traditional offline processes suffer from unreviewed KYC documents, borrowers taking multiple overlapping loans beyond their repayment capacity, manual payment reconciliation without audit receipts, and no viral growth mechanism to bring in creditworthy new borrowers.
Vision engineered Kreditmitraa, an intuitive mobile lending app powered by an 18-endpoint CodeIgniter 3 REST API and 10+ relational MySQL tables. Borrowers register via time-limited SMS OTP and must pass an admin-reviewed 3-state KYC gate (Incomplete, Under Review, Active) before loan applications unlock. Borrowers select 15 or 30-day schemes with upfront fee itemization, apply in one tap under a strict one-active-loan rule, submit UPI repayments with up to 5 MB receipt uploads for review, and earn milestone referral cash credited to an in-app withdrawal wallet.
A high-cohesion, low-coupling module hierarchy engineered to power seamless customer reservations and enterprise fleet management.
Strict borrower verification pipeline preventing fraudulent applications through a guided three-state profile workflow.
Scheme-based lending calculation displaying every rupee of interest, fees, and GST upfront before application.
Frictionless UPI repayments paired with mandatory transaction receipt verification for clean loan closure.
Viral peer-to-peer growth loop crediting real cash rewards into an in-app wallet upon loan disbursal milestones.
Core software components transferred to the client with full IP ownership.
Designed for high concurrency, automated testing coverage, and zero downtime.
Designed for high concurrency, automated testing coverage, and zero downtime.
Designed for high concurrency, automated testing coverage, and zero downtime.
Designed for high concurrency, automated testing coverage, and zero downtime.
Designed for high concurrency, automated testing coverage, and zero downtime.
Designed for high concurrency, automated testing coverage, and zero downtime.
Designed for high concurrency, automated testing coverage, and zero downtime.
Designed for high concurrency, automated testing coverage, and zero downtime.
“Kreditmitraa structured our short-term micro-lending operations from day one. Borrowers see exact loan interest and fees upfront, our team reviews KYC documents before unlocking applications, and UPI repayments are backed by uploaded receipts.”
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