THE HARD PART“Replacing spreadsheet-and-paper NBFC workflows with one platform: five roles, bilingual document generation, multi-plan EMIs, and overdue-tracked collections, all sharing a single auth and audit model.”
Paisa Dekho is a loan management system for small NBFCs, the lenders who typically run their entire book on spreadsheets and paper forms. It covers the full loan lifecycle: application, credit assessment, disbursement, EMI collection, and reporting.
Five roles use it (Admin, Credit Officer, Field Investigator, Collection Officer, Agent), each with its own dashboard and permission scope. Loans support 10th-day and monthly EMI plans with configurable interest rates. The system generates the Loan Application, Terms and Conditions, Guarantor Form, and Agreement Form in Hindi and English, exports statements to Excel and PDF, captures transaction IDs and receipts at disbursement, and tracks collections daily with overdue analytics.
The backend is Django + DRF with token auth and Celery for async work; the frontend is Vite + React + TypeScript with Tailwind, Shadcn UI, React Router, and TanStack Query. I'm a cofounder, owning the architecture, the multi-role auth model, the EMI and collections engine, the bilingual document pipeline, and deployment.