// build_guide
// How to build Micro-loan Application & Credit Review Dashboard for Indian NBFC
Financial services require enterprise-grade security and compliance. PostgreSQL handles complex loan data relationships while Redis caches frequent KYC lookups. AWS provides required data residency and security certifications for NBFC operations.
Complexity 7/10Internal Tool
// recommended_stack
FrontendNext.js with TypeScript
BackendNode.js with Express
DatabasePostgreSQL with Redis caching
AuthAuth0 with role-based access control
HostingAWS (EC2, S3, RDS)
ExtraAadhaar API integration
ExtraPAN verification
ExtraFile encryption
ExtraAudit logging
// cost_and_timeline
USD min
$12,000
USD max
$18,000
INR min
₹10.0L
INR max
₹15.0L
Typical Internal Tool projects cost $1,500–$4,500 USD and take 4–8 weeks with an Indian dev team. See the full cost guide →
// timeline_breakdown
1 weekDiscovery & Compliance Planning
6 weeksCore Development & KYC Integration
2 weeksSecurity Testing & Deployment
1 weekUAT & Refinements
// mvp_features[]
## What to build in the MVP
-Borrower application portal with document upload
-KYC verification using Aadhaar/PAN APIs
-Credit officer review dashboard
-Basic loan approval workflow
-Disbursal status tracking
-Role-based access (borrower, officer, admin)
-Document encryption and secure storage
-Basic reporting and audit trails
// risk_flags[]
## Engineering risks to plan for
!RBI compliance requirements may extend timeline
!KYC API rate limits could impact user experience
!Data security audit requirements may increase costs
!NBFC license verification needed for third-party integrations
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// related_resources