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.
Simple 4-Step Process
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, NOC.
4
Consent & Retrieve (Automated)
User verifies a single OTP, system fetches documents from all selected banks with real-time tracking.
The Problem's We Face
For Borrowers
•
Takes 3-4 days to collect all loan documents by daily visiting multiple bank branches
•
Hectic and time-consuming process consuming lot of time and effort
•
Complex document submission process between customers and bankers
•
Uncertainty about document security and where documents are being shared
•
Risk of fraud with manual document collection and sharing
•
No visibility into document access and usage without user consent
•
Dependence on insecure channels like WhatsApp for sharing sensitive documents
For Lenders & Consultants
•
Staff spend hours manually collecting documents from borrowers
•
Incomplete or incorrect documents delay loan processing
•
Time-consuming manual verification of documents
•
High dropout rates due to complex and fragmented processes
•
Challenges maintaining proper consent and audit trails
•
Need to integrate with multiple bank systems separately
Our Solution's towards Problem
Simplifies document submission between customers and bankers - no more complex processes
Documents retrieved directly from banks through verified sources - zero fraud risk, perfectly safe & secure
User consent is mandatory - we never proceed without your explicit approval
Complete transparency - you always know where your documents are going and who accessed them
Eliminates 3-4 days of bank visits - collect all documents in minutes from home
CIBIL/Experian integration to automatically discover all active loan accounts
Single OTP consent flow that works across banks and document types
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.
Loan Application
Scenario
Customer applying for a new loan needs existing loan documents.
Solution
AllLoanKagaz automatically discovers all loans and retrieves required documents from multiple banks.
Benefit
Complete document package ready in minutes instead of weeks.
Loan Refinancing
Scenario
Customer wants to refinance existing loans at better rates.
Solution
Platform fetches all current loan documents and credit reports to evaluate refinancing options.
Benefit
Quick access to all loan details for comparison across lenders.
Loan Consolidation
Scenario
Customer has multiple loans and wants to consolidate into one.
Solution
Retrieves documents from all banks to prepare a consolidation application with a unified view.
Benefit
Single platform to manage all loans and documents across banks.
Credit Report Access
Scenario
Customer or lender needs official credit reports for underwriting.
Solution
Generates official CIBIL/Experian credit report PDFs instantly from credit bureau integrations.
Benefit
No need to visit bureau websites or wait for reports, speeding up loan approvals.
Document Management
Scenario
Customer or consultant needs to maintain records of all loan documents.
Solution
Centralized document center with secure storage, expiry management, and access controls.
Benefit
All documents in one place with easy, secure access anytime.
Loan Consultant Services
Scenario
Loan consultants helping customers with complex loan applications.
Solution
Streamlined, repeatable document collection workflows across borrowers, banks, and loan products.
Benefit
Faster processing, better customer experience, and higher conversion.
Loan Application
Scenario
Customer applying for a new loan needs existing loan documents.
Solution
AllLoanKagaz automatically discovers all loans and retrieves required documents from multiple banks.
Benefit
Complete document package ready in minutes instead of weeks.
Loan Refinancing
Scenario
Customer wants to refinance existing loans at better rates.
Solution
Platform fetches all current loan documents and credit reports to evaluate refinancing options.
Benefit
Quick access to all loan details for comparison across lenders.
Loan Consolidation
Scenario
Customer has multiple loans and wants to consolidate into one.
Solution
Retrieves documents from all banks to prepare a consolidation application with a unified view.
Benefit
Single platform to manage all loans and documents across banks.
Credit Report Access
Scenario
Customer or lender needs official credit reports for underwriting.
Solution
Generates official CIBIL/Experian credit report PDFs instantly from credit bureau integrations.
Benefit
No need to visit bureau websites or wait for reports, speeding up loan approvals.
Document Management
Scenario
Customer or consultant needs to maintain records of all loan documents.
Solution
Centralized document center with secure storage, expiry management, and access controls.
Benefit
All documents in one place with easy, secure access anytime.
Loan Consultant Services
Scenario
Loan consultants helping customers with complex loan applications.
Solution
Streamlined, repeatable document collection workflows across borrowers, banks, and loan products.
Benefit
Faster processing, better customer experience, and higher conversion.
Loan Application
Scenario
Customer applying for a new loan needs existing loan documents.
Solution
AllLoanKagaz automatically discovers all loans and retrieves required documents from multiple banks.
Benefit
Complete document package ready in minutes instead of weeks.
Loan Refinancing
Scenario
Customer wants to refinance existing loans at better rates.
Solution
Platform fetches all current loan documents and credit reports to evaluate refinancing options.
Benefit
Quick access to all loan details for comparison across lenders.
Loan Consolidation
Scenario
Customer has multiple loans and wants to consolidate into one.
Solution
Retrieves documents from all banks to prepare a consolidation application with a unified view.
Benefit
Single platform to manage all loans and documents across banks.
Credit Report Access
Scenario
Customer or lender needs official credit reports for underwriting.
Solution
Generates official CIBIL/Experian credit report PDFs instantly from credit bureau integrations.
Benefit
No need to visit bureau websites or wait for reports, speeding up loan approvals.
Document Management
Scenario
Customer or consultant needs to maintain records of all loan documents.
Solution
Centralized document center with secure storage, expiry management, and access controls.
Benefit
All documents in one place with easy, secure access anytime.
Loan Consultant Services
Scenario
Loan consultants helping customers with complex loan applications.
Solution
Streamlined, repeatable document collection workflows across borrowers, banks, and loan products.
Benefit
Faster processing, better customer experience, and higher conversion.
Loan Application
Scenario
Customer applying for a new loan needs existing loan documents.
Solution
AllLoanKagaz automatically discovers all loans and retrieves required documents from multiple banks.
Benefit
Complete document package ready in minutes instead of weeks.
Loan Refinancing
Scenario
Customer wants to refinance existing loans at better rates.
Solution
Platform fetches all current loan documents and credit reports to evaluate refinancing options.
Benefit
Quick access to all loan details for comparison across lenders.
Loan Consolidation
Scenario
Customer has multiple loans and wants to consolidate into one.
Solution
Retrieves documents from all banks to prepare a consolidation application with a unified view.
Benefit
Single platform to manage all loans and documents across banks.
Credit Report Access
Scenario
Customer or lender needs official credit reports for underwriting.
Solution
Generates official CIBIL/Experian credit report PDFs instantly from credit bureau integrations.
Benefit
No need to visit bureau websites or wait for reports, speeding up loan approvals.
Document Management
Scenario
Customer or consultant needs to maintain records of all loan documents.
Solution
Centralized document center with secure storage, expiry management, and access controls.
Benefit
All documents in one place with easy, secure access anytime.
Loan Consultant Services
Scenario
Loan consultants helping customers with complex loan applications.
Solution
Streamlined, repeatable document collection workflows across borrowers, banks, and loan products.
Benefit
Faster processing, better customer experience, and higher conversion.
Loan Application
Scenario
Customer applying for a new loan needs existing loan documents.
Solution
AllLoanKagaz automatically discovers all loans and retrieves required documents from multiple banks.
Benefit
Complete document package ready in minutes instead of weeks.
Loan Refinancing
Scenario
Customer wants to refinance existing loans at better rates.
Solution
Platform fetches all current loan documents and credit reports to evaluate refinancing options.
Benefit
Quick access to all loan details for comparison across lenders.
Loan Consolidation
Scenario
Customer has multiple loans and wants to consolidate into one.
Solution
Retrieves documents from all banks to prepare a consolidation application with a unified view.
Benefit
Single platform to manage all loans and documents across banks.
Credit Report Access
Scenario
Customer or lender needs official credit reports for underwriting.
Solution
Generates official CIBIL/Experian credit report PDFs instantly from credit bureau integrations.
Benefit
No need to visit bureau websites or wait for reports, speeding up loan approvals.
Document Management
Scenario
Customer or consultant needs to maintain records of all loan documents.
Solution
Centralized document center with secure storage, expiry management, and access controls.
Benefit
All documents in one place with easy, secure access anytime.
Loan Consultant Services
Scenario
Loan consultants helping customers with complex loan applications.
Solution
Streamlined, repeatable document collection workflows across borrowers, banks, and loan products.
Benefit
Faster processing, better customer experience, and higher conversion.
Loan Application
Scenario
Customer applying for a new loan needs existing loan documents.
Solution
AllLoanKagaz automatically discovers all loans and retrieves required documents from multiple banks.
Benefit
Complete document package ready in minutes instead of weeks.
Loan Refinancing
Scenario
Customer wants to refinance existing loans at better rates.
Solution
Platform fetches all current loan documents and credit reports to evaluate refinancing options.
Benefit
Quick access to all loan details for comparison across lenders.
Loan Consolidation
Scenario
Customer has multiple loans and wants to consolidate into one.
Solution
Retrieves documents from all banks to prepare a consolidation application with a unified view.
Benefit
Single platform to manage all loans and documents across banks.
Credit Report Access
Scenario
Customer or lender needs official credit reports for underwriting.
Solution
Generates official CIBIL/Experian credit report PDFs instantly from credit bureau integrations.
Benefit
No need to visit bureau websites or wait for reports, speeding up loan approvals.
Document Management
Scenario
Customer or consultant needs to maintain records of all loan documents.
Solution
Centralized document center with secure storage, expiry management, and access controls.
Benefit
All documents in one place with easy, secure access anytime.
Loan Consultant Services
Scenario
Loan consultants helping customers with complex loan applications.
Solution
Streamlined, repeatable document collection workflows across borrowers, banks, and loan products.
Benefit
Faster processing, better customer experience, and higher conversion.
Who Can Use AllLoanKagaz?
Designed for both borrowers (B2C) and organizations (B2B) who need fast, secure access to loan documents across banks.
End Users (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
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
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
Multi-bank support covering all major Indian lenders
For Lenders & Consultants
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
API-first design for deep integration into existing loan systems
Our Goals
Building the infrastructure for secure, consent-based loan document management across all major banks and NBFCs.
Multi-Bank Support: Works with HDFC, ICICI, SBI, Axis, Kotak, PNB, YES Bank, and more.
Speed Up Processes: Reduce document collection time from weeks to minutes.
Single OTP Flow: One OTP for all banks and documents, simplifying the borrower experience.
Bank-Grade Security: End-to-end encryption with consent-based access and detailed audit trails.
CIBIL/Experian Integration: Official integrations for automatic loan discovery and credit reports.
API-First Architecture: Enable easy integration into existing loan processing systems.
Batch Processing: Process multiple loans and document types simultaneously in a single run.
Real-Time Updates: Live progress tracking for all document retrieval operations.
Improve User Experience: Make document collection as simple as sending a message.
Future-Ready: Continuously updated with new features, banks, and NBFC integrations.
The Future of Loan Document Management
AllLoanKagaz is building the infrastructure for the next generation of loan processing in India.
Documents are retrieved in minutes, not weeks — across all banks.
One OTP unlocks all documents — from all banks simultaneously.
Privacy and security are built-in from day one, not added later.
Every user has full control over their data and documents.
One platform serves all banks — HDFC, ICICI, SBI, Axis, Kotak, and beyond.
Seamless integration — documents flow securely between systems.
Continuous expansion — new banks and features added regularly.