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Gold loans move fast, but the paperwork behind them didn’t. A leading Indian private sector bank was managing gold loan documents, customer records and approvals by hand. MXTechies built a Mendix Gold Loan Compliance Application that pulls loan data from the core banking system, stores documents and ornament images securely, generates loan papers in regional languages and gets them signed digitally, all inside a clean Maker-Checker workflow.
Gold loan software digitises the documents, checks and approvals behind every gold loan. In this project, the solution digitises gold loan processing and verification. Loan details come from Finacle, documents and gold ornament images go into the bank’s document management system, loan documents are generated in regional languages through Bhashini, Aadhaar details are handled through an Aadhaar Vault, and customers sign through Leegality. Makers and Checkers work in one app with dashboards, clarifications, role-based access and a full audit log.
- Client
- A leading Indian private sector bank
- Platform
- Mendix web application
- Integrations
- Finacle core banking, document management system, Bhashini, Aadhaar Vault, Leegality e-signing
- Workflow
- Digital Maker-Checker approval with clarifications
- Controls
- Role-based access and audit logging
- Delivered by
- MXTechies, Mendix Certified Partner and Siemens Certified Partner
The challenge
Gold loans need careful documentation and verification, and the bank was doing much of it manually:
- Physical paperwork: loan documents, customer records and supporting papers were maintained by hand.
- Hard-to-track progress: following each application through processing and verification took effort.
- Maker-Checker by hand: coordinating between the staff who prepare loans and those who verify them was manual.
- Approval risk: ensuring every document and sign-off was complete required constant checking.
The solution
MXTechies developed a centralised, web-based Gold Loan Compliance Application on Mendix. It connects to the bank’s core systems and trusted national services, so data flows in automatically and every step is recorded.
A digital Maker-Checker workflow replaces manual coordination, and dashboards show the status of every application at a glance.
Key features
01Finacle integration
- For the bank
- Loan details are retrieved and statuses updated in the core banking system.
02Document management integration
- For the bank
- Loan documents and gold ornament images are stored securely.
03Regional-language documents
- For the bank
- Bhashini generates loan documents in the customer’s language.
04Aadhaar Vault
- For the bank
- Aadhaar-based documentation is handled through a secure vault.
05Digital signing
- For the bank
- Leegality enables legally valid e-signatures.
06Maker-Checker workflow
- For the bank
- Preparation and verification are separated and tracked.
07Clarification management
- For the bank
- Checkers raise queries, Makers respond, all on record.
08Status dashboards
- For the bank
- Every application’s progress is visible.
09Role-based access
- For the bank
- Staff see only what their role allows.
10Audit logging
- For the bank
- Every action is recorded for compliance.
How it works
- FetchThe Maker opens an application, and loan details load from Finacle.
- CaptureDocuments and gold ornament images are uploaded to the document management system.
- GenerateLoan documents are created in the customer’s regional language.
- SignThe customer signs digitally through Leegality, with Aadhaar details handled through the Aadhaar Vault.
- VerifyThe Checker reviews the file and raises clarifications if needed.
- Approve and updateOnce approved, the status updates in Finacle and the full trail is logged.
See our wider work for banks and financial services.
Outcomes
- Less paper, less effort: documents and images are digital and stored in one secure place.
- Faster coordination: Makers and Checkers work in one workflow instead of passing files around.
- Customer-friendly documents: loan papers are available in regional languages.
- Full traceability: every step, query and approval is logged.
- Stronger compliance: role-based access, digital signatures and audit trails support regulatory requirements.
Why build this on Mendix
- Connects to core banking: Mendix integrates with Finacle, document management and services like Bhashini and Aadhaar Vault.
- Controls built in: role-based access, Maker-Checker workflows and audit logs are part of the app.
- Quick to adapt: new document types or rules can be added as regulations change.
Who this is for
Banks, NBFCs and gold loan companies that process high volumes of secured loans and need verifiable documentation, regional-language support and a clear Maker-Checker trail. It also suits any lending team still relying on physical files for approvals.
Frequently asked questions
What is a gold loan compliance application?
It is software that manages the documents, verification and approvals behind gold loans digitally, so every loan is complete, traceable and compliant.
Does it connect to the bank’s core banking system?
Yes. It integrates with Finacle to retrieve loan details and update statuses.
Can loan documents be generated in regional languages?
Yes. The app uses Bhashini to create loan documents in regional languages.
How are documents signed?
Customers sign digitally through Leegality, and Aadhaar-based documentation is handled through an Aadhaar Vault.
How does the Maker-Checker process work?
Makers prepare the loan file, Checkers verify it and can raise clarifications, and approvals are recorded with a full audit log.
About MXTechies
MXTechies is a Mendix Certified Partner and Siemens Certified Partner with delivery teams in India, the USA and the UAE. We build enterprise apps on Mendix, the low-code platform from Siemens, for manufacturing, banking, real estate and retail. See more of our case studies.
Last updated October 2026
Ready to retire the paper files? Let’s build it.
Paper files out. Traceable, signed, compliant gold loans in.