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Unified Loan Document Aggregation

AllLoanKagaz

Eliminating 3 to 4 days of bank visits by simplifying document submission through mandatory user consent, securely retrieving documents directly from verified bank sources, and giving you complete visibility and control over where your documents go.

Simple 4-Step Process

Explore features, security, and use cases for consent-driven loan document aggregation.

1

Enter PAN & Verify (User)

User enters PAN number, verifies identity, and grants CIBIL/Experian consent.

2

View Loans (Automatic)

System automatically discovers all active loans and shows bank names, loan types, and outstanding amounts.

3

Select Documents (User)

User selects loans and chooses documents: Statement of Account, Repayment Schedule, Sanction Letter & Foreclosure Letter.

4

Consent & Retrieve (Automated)

User verifies a single OTP, system fetches documents from all selected banks with real-time tracking.

Problems & Solutions

Addressing key pain points in financial lending with innovative solutions

Borrowers Problems visualization

Challenges Faced by Borrowers

Key obstacles individuals encounter during loan applications

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Takes 3-4 days to collect all loan documents by daily visiting multiple bank branches.

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Hectic and time-consuming process consuming lot of time and effort.

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Complex document submission process between customers and bankers.

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Uncertainty about document security and where documents are being shared.

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Risk of fraud with manual document collection and sharing.

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No visibility into document access and usage without user consent.

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Dependence on insecure channels like WhatsApp for sharing sensitive documents.

Key Features

Everything you need to aggregate loan documents and credit reports across banks with one consent-driven workflow.

CIBIL/Experian Integration
Automatically discovers all active loan accounts through official credit bureau APIs with always up-to-date data.
Single OTP Batch Consent
One OTP verifies consent for all selected banks and documents in a single, time-limited flow.
Multi-Bank Document Retrieval
Fetches statements, repayment schedules, sanction letters, foreclosure letters, and NOCs from multiple banks simultaneously.
Credit Report PDF Generation
Generates official CIBIL and Experian credit report PDFs instantly for loan underwriting and assessment.
Centralized Document Center
Stores all retrieved documents securely with history, download tracking, and automatic expiry after 30 days.
Security & Compliance
End-to-end encryption, consent-based access, audit logs, and bank-grade security standards for financial data.
User-Friendly Interface
Modern, responsive UI with clear status, error handling, and retry flows built for borrowers and organizations.
CIBIL/Experian Integration
Automatically discovers all active loan accounts through official credit bureau APIs with always up-to-date data.
Single OTP Batch Consent
One OTP verifies consent for all selected banks and documents in a single, time-limited flow.
Multi-Bank Document Retrieval
Fetches statements, repayment schedules, sanction letters, foreclosure letters, and NOCs from multiple banks simultaneously.
Credit Report PDF Generation
Generates official CIBIL and Experian credit report PDFs instantly for loan underwriting and assessment.
Centralized Document Center
Stores all retrieved documents securely with history, download tracking, and automatic expiry after 30 days.
Security & Compliance
End-to-end encryption, consent-based access, audit logs, and bank-grade security standards for financial data.
User-Friendly Interface
Modern, responsive UI with clear status, error handling, and retry flows built for borrowers and organizations.

Security & Privacy

Bank-grade security and compliance for every loan document and credit report.

Mandatory User Consent
We never proceed without your explicit approval. Your consent is mandatory for every document access.
Direct from Banks - Verified Sources
Documents retrieved directly from banks through verified sources. Zero fraud risk - perfectly safe & secure.
Complete Transparency
You always know where your documents are going. Complete visibility into who accessed your documents and when.
Time-Limited Access
Secure access links expire automatically, reducing the risk of unauthorized access.
OTP Verification
Strong two-factor authentication with OTP for consent and critical operations.
Complete Audit Trail
Full trail of all document access, retrievals, and shares so you always know where your documents are.
Mandatory User Consent
We never proceed without your explicit approval. Your consent is mandatory for every document access.
Direct from Banks - Verified Sources
Documents retrieved directly from banks through verified sources. Zero fraud risk - perfectly safe & secure.
Complete Transparency
You always know where your documents are going. Complete visibility into who accessed your documents and when.
Time-Limited Access
Secure access links expire automatically, reducing the risk of unauthorized access.
OTP Verification
Strong two-factor authentication with OTP for consent and critical operations.
Complete Audit Trail
Full trail of all document access, retrievals, and shares so you always know where your documents are.

Use Cases

Real-world workflows where AllLoanKagaz makes loan document collection and credit analysis effortless.

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AllLoanKagaz automatically discovers all loans and retrieves required documents from multiple banks.

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Platform fetches all current loan documents and credit reports to evaluate refinancing options.

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Retrieves documents from all banks to prepare a consolidation application with a unified view.

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Generates official CIBIL/Experian credit report PDFs instantly from credit bureau integrations.

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Centralized document center with secure storage, expiry management, and access controls.

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Streamlined, repeatable document collection workflows across borrowers, banks, and loan products.

Who Can Use AllLoanKagaz?

Designed for both borrowers (B2C) and organizations (B2B) who need fast, secure access to loan documents across banks.

End Users

Individual Borrowers

Loan applicants needing existing loan documents for new applications.
Customers refinancing or consolidating multiple loans.
Borrowers managing multiple loan accounts across banks.
Users needing official credit reports for loan applications.

Organizations

Business Entities

Banks and NBFCs processing large volumes of loan applications.
Loan aggregators and marketplaces helping customers find the best offers.
Loan consultants and financial advisors managing borrower journeys.
Fintech companies building loan and credit products on top of our APIs.

Benefits

Clear value for both borrowers and organizations using AllLoanKagaz.

For Borrowers

Individual Benefits

Eliminates 3-4 days of daily bank visits - collect all documents in minutes from home.
Simplified submission process - no more hectic, time-consuming workflows.
Your consent is mandatory - we never proceed without your explicit approval.
Documents retrieved directly from banks through verified sources - zero fraud, perfectly safe & secure.
Complete transparency - you always know where your documents are going and who accessed them.
Single OTP to approve all documents across multiple banks.

For Lenders & Consultants

Organizational Benefits

Reduce document collection time from weeks to minutes.
Higher conversion with a smoother borrower experience.
Lower operational costs by eliminating manual collection.
Stronger security with encrypted, consent-driven access.
Built-in compliance with audit trails and consent history.
Scalable infrastructure for peak workloads and multiple borrowers.

Our Goals

Building the infrastructure for secure, consent-based loan document management across all major banks and NBFCs.

Vision Illustration
1

Multi-Bank Support

Works with HDFC, ICICI, SBI, Axis, Kotak, PNB, YES Bank, and more. Seamlessly connect with all major banking institutions.

2

Speed Up Processes

Reduce document collection time from weeks to minutes. Transform your workflow efficiency dramatically.

3

Single OTP Flow

One OTP for all banks and documents, simplifying the borrower experience. Make authentication effortless.

4

Bank-Grade Security

End-to-end encryption with consent-based access and detailed audit trails. Your data protection is our priority.

5

CIBIL/Experian Integration

Official integrations for automatic loan discovery and credit reports. Access comprehensive credit information instantly.

6

API-First Architecture

Enable easy integration into existing loan processing systems. Built for developers, designed for scale.

7

Batch Processing

Process multiple loans and document types simultaneously in a single run. Maximum efficiency at scale.

8

Real-Time Updates

Live progress tracking for all document retrieval operations. Stay informed every step of the way.

9

Improve User Experience

Make document collection as simple as sending a message. Delight your customers with simplicity.

10

Future-Ready

Continuously updated with new features, banks, and NBFC integrations. Always ahead of the curve.

The Future of Loan Document Management

AllLoanKagaz is building the infrastructure for the next generation of loan processing in India.

1
Documents are retrieved in minutes, not weeks — across all banks.
2
One OTP unlocks all documents — from all banks simultaneously.
3
Privacy and security are built-in from day one, not added later.
4
Every user has full control over their data and documents.
5
One platform serves all banks — HDFC, ICICI, SBI, Axis, Kotak, and beyond.
6
Seamless integration — documents flow securely between systems.
7
Continuous expansion — new banks and features added regularly.
Loan Document Management