The challenge
Investors needing cash had to sell their mutual funds and lose future growth. Borrowing against them meant paperwork, branch visits and days of waiting.
Fintech · 2021 – now
DhanLAP
India's first digital platform for loans against mutual funds.
My roleTechnical Lead
- 10,000+ loans
- 8 NBFC and bank partners
- Money in under 15 minutes
From problem to product
What I built
The complete borrower journey: fetching mutual funds and shares, eligibility, Aadhaar KYC, penny drop, e-mandate, lien marking, sanction letter, NESL loan agreement and disbursal, plus revoke and invoke for lenders and VCIP.
Stack
- Elixir
- Phoenix
- PostgreSQL
- AWS
- React Native
- Flutter
Try it
Play with how DhanLAP works
Pledge mutual funds, run the nine-step loan journey, then repay to revoke the pledge or let the lender invoke it. The figures are illustrations.
Nitish Arora
I build
Now
The road so far
Experience at a glance
Newest first. Every entry links to its chapter in the story below.
Origins
Healthtech
Product 01 Phyzio
What it did · 01
Good posture
Slouched
What it did · 02
10:00 left (demo runs 30× faster)
Intensity
3
What it did · 03
Arm raises · set 1
Accuracy –
What it did · 04
0 punches sent over BLE
Product 02 SleepDoc+
Fourier transform of the raw radar signal: the two peaks are breathing and heartbeat.
Breathing–breaths / min
Heart rate–beats / min
Apnea events0this session
Normal breathing
Sleep cycle
One night, stage by stage
From breathing and heart rate the models classify every minute of the night. Hover or tap the chart. Sample night.
0sleep score
How it worked · 01
From second-hand to A-grade
From anywhere in the world to a customer's desk, every device went through the same six steps.
Try it · 02
The Unii Care bench
Pick a device and run it through the checks. An illustration of the process, not the real checklist.
0/ 52 checks
A-grade · certified · 1-year Unii Care warranty
What we sold
Same budget, more gear · 03
What the savings meant
Unii cut the cost of premium tech by up to 80%. Pick what a new startup needs and see how far the same budget goes.
5×the gear for the same money, at most
Buying new2
With Unii10
Gaming
How it worked · 01
From sign-up to payout
Every tournament on GamersAlly followed the same six steps.
Try it · 02
Pay out the prizes
The tournament is over. Distribute the prizes and watch the GA coins land, then let the winners withdraw. Players and amounts are an illustration.
Prize pool0GA coins
Waiting for the organiser
Fintech
How a loan works · DhanLAP
From holdings to money in the bank
DhanLAP was the first in India to offer loans against mutual funds digitally. I built the whole journey myself, all nine steps from fetching a borrower's holdings to paying out the loan, and everything around it: revoke and invoke for lenders, VCIP, and the APIs and webhooks.
Consulting
The toolbox
All of that left me with three circles of tools: the chip, the screen and the cloud. Most of my work happens where data crosses between them.
The periodic table of things I build with
The lead's toolbox
In print
Some of what others wrote along the way.
The next chapter
hasn't been written yet. If you're building something that has to work in the real world, let's write it together.
In the press
DhanLAP was featured in
- ThePrint
- PR Newswire
- Cafemutual