Loan EMI & CIBIL Score Management System

             Those days we don’t have a proper awareness about the CIBIL score, whereas the current generation of loans and EMI are approved based on the CIBIL score. The CIBIL scores are monitored by the Reserve Bank of India. Here our proposed system uses the term of providing awareness about the CIBIL score. The web application collects the information with about the client details like PAN card number, Loans , Dues dates, Area of interest, Job details and so. Based on the due dates the web application will send a message to the registered E-mail address and the register mobile number before ten days of the due date. According to the reply the application will act accordingly. By having partnership with the CIBIL system and the part-time jobs sector, the web application can be monitored and detect the values of score, and also assign the various part time job to the client ,which ultimately results in the term of earning money and able to repay the amount within the time. And the web applications clients are periodically monitored and encouraged to keep them a constant and good scores in their CIBIL score.Loan EMI & CIBIL Score Management System

Loan EMI & CIBIL Management System

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Software Requirements: –
Front End: HTML5, CSS3, Bootstrap
Back End: PHP, MYSQL
Control End: Angular Java Script

Android Tools:
Android Emulator
xampp-win32-5.5.19-0-VC11
Android SDK – adt-bundle-windows-x86
IDE: Eclipse Mars
jdk-8u66-windows-i586

PHP Tools:
xampp-win32-5.5.19-0-VC11

EXISTING SYSTEM:

In the present system a user can be reminded with the calculated CIBIL score based on the repayment of the loans that the user availed. This often requires a lot of time and effort as it a manual system of the admins. A customer may not get the desired information from these offices and often the customer may be misguided. It is tedious for a user to get a proper guidance to repay the loan due.

PROPOSED SYSTEM:

The proposed system is a web based automated application and maintains a centralized repository of all related information. The system maintains the records of the loan details for every user. Also it calculates the CIBIL score known as credit score based on the repayment ability of the user. On a regular basis it notifies the users to pay their loan amount. If the user didn’t pay their loan amount it will recommend them the Job offer to help them maintain the credit score.

Module Description

System Modules:

1. Admin:

• CIBIL Score
• Alert SMS.
• Job Recommendation.

2. User:

• View Details.
• Search Records.

Module:

1. Admin:

• Update

Admin will update the loan details of the users in the database.

• Manage

Admin will maintain the loan detail records of every user on a regular basis.

• CIBIL Score

CIBIL score of all the users are calculated and recorded in the system

• Verify

They verify the loan due of users whether that is paid or on due.

• Alert SMS

Admin will set up the alert SMS for the users who did not paid their loan due on time.

• Job Recommendation

Also Admin will help the users to repay their loan due by recommending the appropriate jobs to them.

2. User:

• Register

User will register with the system using their username and password.

• Login

After the registration process users can login to their account any time using the login details.

• View Details

Once they logged in they can view the details of the loans.

• Search Records

User can search and fetch the records whenever they need.