--- title: Web & Mobile Case Study | Gold Loan Digital Platform with Odoo ERP & Razorpay | Tirnav Solutions description: Enterprise-grade gold loan digital platform built using React Native, integrated with Odoo ERP and Razorpay payment gateway. The solution modernized lending workflows, automated reconciliation, and improved operational efficiency for a multi-branch NBFC. canonical: https://tirnav.com/case-study/mobile/fintech/enterprise-gold-loan-digital-platform --- ![Enterprise gold loan mobile platform integrated with ERP and payment systems](https://tirnav.com/case-study/ebk_case_study.png) # Scalable Gold Lending Platform for Modern Financial Institutions Sri EBK Thangamaligai - IndiaSecured Financial Lending ServicesDigital Lending Platform & ERP Modernization2 Resources1 Month ## What business challenges did we solve? - • **Fragmented Operational Systems:** Loan origination, valuation, accounting, and repayment tracking were handled across disconnected systems, creating operational silos. - • **Manual Gold Appraisal & Loan Lifecycle:** Branch-level dependency on manual documentation increased processing time and introduced compliance risks. - • **Payment Reconciliation Gaps:** Lack of automated reconciliation between payment gateway and ERP led to accounting discrepancies. - • **Limited Customer Transparency:** Customers lacked digital access to real-time loan status, repayment schedules, and outstanding balances. - • **Scalability Constraints:** The existing infrastructure was not designed to handle rapid branch expansion and increasing transaction volumes. ## Results % Loan Processing Time 48 → 24 hours Average loan approval turnaround time reduced % Manual Reconciliation Effort 6 → 1 hours/day Daily accounting reconciliation effort reduced % Operational Efficiency 60 → 90 % Branch-level operational efficiency improvement % Customer Loan Visibility 0 → 100 % Customers gained full digital access to loan lifecycle tracking ## Which technologies powered this solution? React NativeOdoo Enterprise ERPRazorpay Payment GatewayRESTful MicroservicesWebhook Architecture ## Our technical approach and implemented solution - 1 **Enterprise-Ready Mobile Lending Application:** Built a secure cross-platform mobile app enabling digital onboarding, gold loan applications, EMI tracking, and repayment management with enterprise-grade security. - 2 **Odoo ERP Core Integration:** Designed Odoo as the centralized loan management system to manage customer records, gold valuation data, disbursements, EMI schedules, accounting workflows, and audit trails. - 3 **Secure API & Middleware Layer:** Implemented a RESTful middleware architecture ensuring scalable communication between mobile application and ERP with strict authentication and authorization controls. - 4 **Automated EMI & Interest Engine:** Developed configurable interest calculation logic supporting tenure-based, branch-level, and product-level customization. - 5 **Razorpay Integration with Webhook Reconciliation:** Integrated secure payment processing with real-time webhook listeners to automatically update ERP records upon successful transactions. - 6 **Branch-Level Role Management:** Implemented hierarchical access control for branch managers, auditors, loan officers, and operations teams. - 7 **Compliance & Audit Logging:** Built detailed logging and transaction tracking to support financial audits and regulatory compliance requirements. - 8 **Scalable Infrastructure Design:** Architected the system to support multi-branch expansion with high concurrency and performance optimization. ## Project Screenshots & Solution Gallery ![Login Page](https://tirnav.com/case-study/solutions/sri-ebk/1_Login_Page.jpeg) ![Registration Page](https://tirnav.com/case-study/solutions/sri-ebk/2_Registration_Page.jpeg) ![Apply Loan Page](https://tirnav.com/case-study/solutions/sri-ebk/3_Apply_Loan_Page.jpeg) ![Home Page](https://tirnav.com/case-study/solutions/sri-ebk/4_Home_Page.jpeg) ![Loan Detail Page](https://tirnav.com/case-study/solutions/sri-ebk/5_Loan_Detail_Page.jpeg) ![Installment Page](https://tirnav.com/case-study/solutions/sri-ebk/6_Installment_Page.jpeg) ![Installment Selection Page](https://tirnav.com/case-study/solutions/sri-ebk/7_Installment_Selection_Page.jpeg) ![RazorPay Page](https://tirnav.com/case-study/solutions/sri-ebk/8_Razorpay_Page.jpeg) Ready to modernize your lending operations with a secure, scalable digital platform? [Learn more about our Digital Lending Platform & ERP Modernization service.](https://tirnav.com/services/mobile-app-development) Download App [ Get it on Google Play ](https://play.google.com/store/apps/details?id=app.ebk.msjewelryapp) Inspired by This Success Story? ### Company Info - Name:Sri EBK Thangamaligai - Location:India - Industry:Secured Financial Lending Services - [Visit Website](https://ebkjewellers.com) ### Project Details - Duration:1 Month - Type:Digital Lending Platform & ERP Modernization - Resource:2