Borrower Onboarding

Fund Link Logo

Start Your Loan Journey

Step 1: Onboarding Step 2: Data Upload Step 3: Apply

Add UPI data to boost approval chances!

AI Underwriting Dashboard

Fund Link Logo Admin: Shabbeer Zafar

Borrower: XXXX-XXXX-1234

Low Risk (720/900)

Key Factors

SHAP Explainability

UPI Consistency+120 points
Monsoon Risk-30 points
Social Graph+50 points

Lender Marketplace

Farmer Loan

Low Risk

Amount: ₹50,000

ROI: 18%

Tenure: 12 months

SHG Loan

Medium Risk

Amount: ₹25,000

ROI: 20%

Tenure: 6 months

Loan Servicing

Loan ID: FL123456

Balance: ₹45,000 / ₹50,000

Feb 2025: ₹5,000 (Due)
Mar 2025: ₹5,000

Enabled for seamless payments

Monsoon Grace Period Available

Borrower Loan Dashboard

Fund Link Logo

Loan ID: FL123456

Remaining Balance: ₹45,000 / ₹50,000

Next Payment: ₹5,000 due on 10 May 2025

Your Risk Score: 720/900 (Low Risk)

Repayment Schedule

Feb 2025: ₹5,000 (Due)
Mar 2025: ₹5,000

Enabled for seamless payments

Monsoon Grace Period Available!

Lender Loan Dashboard

Fund Link Logo Lender: John Doe

Your Portfolio

Total Invested: ₹2,00,000

Expected ROI: 15%

Diversification: 20 Loans (Max 5% per borrower)

Active Loans

Farmer Loan (FL123)

Low Risk

Amount: ₹50,000

ROI: 18%

Status: Fully Funded

SHG Loan (FL456)

Medium Risk

Amount: ₹25,000

ROI: 20%

Status: 80% Funded

Secondary Market

Loan ID ROI Sell Price Action
FL789 16% ₹40,000

Risk Alerts

Loan FL101: High default risk detected (LSTM Analysis)

Admin Loan Dashboard

Fund Link Logo Admin: Admin User

Platform Overview

Total Loans: ₹500 Cr

Default Rate: 8.5%

Avg. ROI: 16%

AI Model Performance

AUC-ROC: 0.88 (Healthy)

Drift Detected: AUC-ROC < 0.85 in Agri-Loans

Non-Performing Assets

Loan ID Days Overdue Action
FL101 90

Loan Monitoring

Fund Link Logo Admin: Admin User

Loan Performance

Repayment Rate: 91.5%

Delinquency Rate: 6.2%

Active Loans: 1.2M

Delinquency Trend (Last 6 Months)

Compliance

Fund Link Logo Admin: Admin User

Compliance Status

FLDG Reserve: ₹25 Cr (5%)

RBI Audit: Compliant (Last: 01 May 2025)

PD/LGD Report: Generated 09 May 2025

Report Date Status Action
FLDG Report 09 May 2025 Compliant
PD/LGD Report 09 May 2025 Compliant

Analytics

Fund Link Logo Admin: Shabbeer Zafar

AI Model Analytics

AUC-ROC: 0.88

Precision: 0.85

Recall: 0.87

Feature Importance

Loan Type Distribution

Stress Testing

Fund Link Logo Admin: Shabbeer Zafar

Stress Testing Scenarios

Scenario: Monsoon Shock

Default Rate: 60% (Agri-Loans)

Impact: High

Scenario: Economic Downturn

Default Rate: 45% (All Loans)

Impact: Medium

Stress Test Results