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Loan4Bank is a full-stack financial operating system for Banks, NBFCs, DSAs, Fintechs and Enterprises.
48
101 total ever
₹0
onboarding
99.98%
SOC 2 audited
SOC 2 · ISO 27001
Aadhaar-grade audit trail
Live
GridFS backups · nightly · 7-day retention
9:41
Loan4Bank
Protect Your Financial Health
Hi, Rahul 👋
Here's your financial overview
Financial Health Score
72
/100
Good, but can be better!
You are at Medium Risk
Improve by 12 pts
Quick Actions
View All
BBPS
Pay Bills
Recharge
Mobile & DTH
Wallet
Add & Manage
All Services
Explore More
Wallet Balance
₹2,450.00
Loan Applications
View All
Personal Loan
₹5,00,000
ID: LN12345678
Applied 20 May 2024
In Review
Submitted
Under Review
In Process
Disbursed
Insights For You
View All
Your EMI ratio is high
Reduce outstanding EMIs to improve score
Great Job!
Repayment history is excellent
Home
Loans
Health
Profile
Total Portfolio
₹50,00,000
+12.5%
Active Applications
128
+19.2%
Loan Disbursed
₹5000Cr+
+32.6%
Digital Gold Loan
₹5,00,000
Approved
Developers · Marketplace
Monetize Traffic with L4B Labs APIs
8 production-grade APIs — Financial Health Score, Loan Eligibility, Digital KYC, Insurance Lead + more. Rev-share up to 30% on every referral.
Explore APIs
Instant · No signup
Check Financial Health · ₹39
CIBIL band, DTI, and 5 loan matches in 60 seconds. Or upgrade to Full ₹99 for AI narrative + Insurance & Investment advisor.
Get my report
Embedded Finance APIs India Digital KYC API Instant Credit Health Report
What We Offer
Everything You Need.
One Platform.
Business Loans
Grow your business with funding up to ₹5 Cr
Apply NowCredit Cards
Best credit cards with exclusive benefits
Apply NowInsurance
Secure your future with life & general insurance
Apply NowDigital Gold Loan
Unlock instant loan against digital gold
Apply NowWhite Label Wallet
Launch your own branded wallet
Explore NowPayment Gateway
Secure & seamless payment solutions
Explore NowAPI Marketplace
Integrate 250+ financial APIs in one click
Explore NowFinancial Health
Check your financial health & credit score
Check NowFranchise Network
Start your own financial services business
Join NowFor Specialists · New
Doctor Business Loan up to ₹1 Crore · rates from 10.99% p.a.
MBBS · MD · BDS · BHMS · DHMS — compare 10 lenders in one shot.
Trusted by 200+ Banks, NBFCs & Financial Institutions
152+
Happy Customers
48+
Partner Banks & NBFCs
₹1.1Cr+
Loans Disbursed
99.98%
Platform Uptime
9+
DSA Partners
Loan4Bank Intelligence · New
Protecting Your Financial Health
A single, on-demand report that scores your credit, projects your 5-year wealth trajectory, and hands you a personal insurance and investment plan — powered by Loan4Bank's underwriting engine and Claude Sonnet 4.6.
RBI compliant Bank-grade encryption 60-second intake Instant download
AI narrative by Claude Sonnet 4.6
A personalised paragraph that reads like a human coach — references your actual rupee amounts, strengths, and next steps.
One-click branded PDF
Professional, Loan4Bank-branded report with every visual — ready to email or WhatsApp.
Signed 7-day share link
Secure, no-login URL. Open it on any device — the link expires automatically.
Live previewEvery module below appears on your PDF
Financial Timeline
Your 5-year wealth trajectory
Year 1₹1.6L
Emergency fund fully seeded
Year 2₹3.6L
First index-fund SIP running
Year 3₹6.0L
House down-payment horizon
Year 4₹8.8L
Kids' school corpus started
Year 5₹12.2L
Comfortable retirement runway
Assumes 12% CAGR · 8% annual pay hike · 35% of surplus invested
Insurance Advisor
Protection you should hold
Term life insurance₹180L
~₹5,508/yr premium
20× annual income (32 yr) — replaces income for your family if the worst happens.
Family floater health₹10L
~₹14,000/yr premium
Covers hospitalisation for you + spouse + up to 2 kids. Metro-city adequate.
Personal accident₹45L
~₹1,500/yr premium
5× annual income · pays out on total or partial disability from an accident.
Investment Advisor
Where to put your surplus
Suggested SIP₹11,100/mo
Equity (index + flexi-cap MFs)68% · ₹7,550
Debt (PPF / gilt / short-duration)22% · ₹2,440
Gold / cash buffer10% · ₹1,110
Top picks
- Nifty 50 Index Fund· Equity
- Parag Parikh Flexi Cap· Equity
- PPF (Public Provident Fund)· Debt
Basic tier
39/report
CIBIL band, DTI and 5 loan recommendations.
- CIBIL band estimate
- Debt-to-income analysis
- 5 pillar scores
- Top 5 loan recommendations
Best value
Full tier
99/report
Everything in Basic + AI, timeline, insurance & investment advisor, branded PDF and share link.
- Everything in Basic
- AI narrative (Claude Sonnet 4.6)
- 5-year financial timeline
- Insurance + Investment advisor
- 90-day roadmap · Eligibility bands
- Branded PDF + 7-day share link
Payments settle via Razorpay / PayValt — UPI, cards, netbanking supported. Reports non-refundable.
A 500-person team in Mumbai just automated their Diwali gold distribution.
Better than Amazon vouchers.Gift gold to your employees.
India's first automated corporate gifting API for birthdays, work-anniversaries and the Big-6 festivals. Just 0.25% platform fee, zero setup costs — secure 24K gold delivered by OroPocket, India's trusted digital-gold infrastructure.
Powered byL4BL4B Labs·Redemption via
Amazon voucher
Loan4Bank gold gift
Expiry
6-12 months typical
Never expires
Value over time
Zero — cash locked in a wallet
Appreciates with the gold price
Emotional weight
"Here's a voucher"
"We invested in your future"
Redemption
Only on that one platform
Sell, swap, or take a loan against it
Tax treatment
Perquisite tax on the employee
Section 17(2) gifting caveats — planning-friendly
0.25%
Platform fee
Min ₹1 per gift · 18% GST on fee only
₹0
Setup cost
No per-seat fees. First gift in 15 minutes.
24K
Pure gold
99.9% purity, vaulted & insured by OroPocket.
HR-approved · GST-compliant monthly invoicing · One-tap OTP claim · Redemption via
Kanak Coin Rewards
Get gold-back on every loan
Per-loan reward
₹200 – ₹999.81000–4999 ₭
Earn 30% of the revenue we make on your loan — automatically converted to gold-backed Kanak Coins at 1 ₭ = ₹0.20. No signup, no catch, 24K MMTC-PAMP custody.
1 ₭ = ₹0.20 · 24K gold-backed
MMTC-PAMP custody · Oropocket
24K · 999.9MMTC-PAMP VaultAudited
By proceeding, you understand that gold prices are dynamic and historical performance does not guarantee future returns.
PayValt · Payments Suite
One wallet.
Every payout, every rail.
Fund partners, refund customers, run BBPS bill payments, AEPS cash-outs, travel bookings and mobile recharges — all through a single, tenant-isolated PayValt wallet with sub-second settlement and a signed audit trail on every rupee.
Sub-1s
Payout settlement
7 Rails
BBPS · AEPS · Travel · Recharge · Payouts · UPI · Cards
Signed
Per-txn audit trail
Instant Payouts
IMPS · NEFT · UPI to any bank in India
BBPS Bill Pay
150+ billers via a single settlement rail
AEPS Cash-Out
Aadhaar-authenticated agent withdrawals
Signed Audit
Every rupee tracked, RBI-compliant
The command deck
Every layer of your loan book,
exposed as clean multi-tenant APIs.
Origination · underwriting · disbursal · collections — the same operating system used by 47 lenders across India. These numbers refresh live from the platform, not a slide deck.
Open API marketplace
₹0
Disbursed via OS
onboarding
Open white-label onboarding
48
White-label partners
101 total ever
Run a financial health check
99.98%
Uptime · 30 day
SOC 2 audited
LIVE
GridFS backups · nightly · 7-day retention
Enterprise Solutions
Powering The Future Of Financial Services
Our enterprise-grade solutions help businesses launch, scale and grow with our powerful APIs, SaaS platforms and white label solutions.
Explore SolutionsWhite Label SaaS Platform
Launch your branded financial marketplace
API Banking Solutions
Integrate 250+ APIs in minutes
Enterprise Dashboard
Real-time analytics & business insights
Compliance & Security
RBI compliant with bank grade security
LOAN4BANK · Insurance
Insurance for everything you love
Compare motor, health, life and family floater quotes from India's top insurers — all inside your LOAN4BANK dashboard. Powered by our partners.
- Motor insurance
- Health insurance
- Term life
- Family floater
Ready to Transform Your Financial Journey?
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Lowest Rates
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