{"id":23289,"date":"2026-06-09T05:28:01","date_gmt":"2026-06-09T05:28:01","guid":{"rendered":"https:\/\/engineerbabu.com\/blog\/?p=23289"},"modified":"2026-06-09T05:28:01","modified_gmt":"2026-06-09T05:28:01","slug":"loan-origination-software-development-cost","status":"publish","type":"post","link":"https:\/\/engineerbabu.com\/blog\/loan-origination-software-development-cost\/","title":{"rendered":"Loan Origination Software Development Cost in 2026 | EngineerBabu"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Every development agency&#8217;s answer to &#8220;how much does it cost to build a <\/span><a href=\"https:\/\/engineerbabu.com\/blog\/loan-origination-system\/\"><span style=\"font-weight: 400;\">loan origination system<\/span><\/a><span style=\"font-weight: 400;\">?&#8221; is the same: it depends. Contact us for a quote.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That answer is frustrating when you&#8217;re trying to build a business case, get board approval, or decide whether to build versus buy. You need real numbers. Not a quote form.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide gives them. Module by module. Tier by tier. India versus US pricing. Build versus buy versus LoanOS. What drives costs up. What cuts them down. And what the hidden costs are that every quote forgets to mention until month 6.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The numbers come from 14 years of building lending platforms including EarlySalary, a platform that has disbursed over \u20b910,000 crore, and LoanOS, the team&#8217;s own NBFC lending platform processing \u20b91,000 crore annually today.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The CTO spent 17 years at Wishfin. He&#8217;s been on both sides of the LOS cost conversation as the person building the system and the person being quoted for it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These are real numbers.<\/span><\/p>\n<p><b>If you want a specific quote for your LOS after reading this, email <\/b><a href=\"mailto:mayank@engineerbabu.com\"><b>mayank@engineerbabu.com<\/b><\/a><b>.<\/b><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-23292\" src=\"https:\/\/engineerbabu.com\/blog\/wp-content\/uploads\/2026\/06\/b2_img1_hero.png\" alt=\"\" width=\"1200\" height=\"697\" title=\"\"><\/p>\n<h2><b>The Three-Tier Framework<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Before the module breakdown, the tier framework. Every LOS falls into one of three tiers. The tier determines the total cost more than any individual feature decision.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Tier 1: MVP LOS: Single Product, Single Market<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it covers:<\/b><span style=\"font-weight: 400;\"> Borrower application intake, one loan product, Aadhaar eKYC + PAN verification, single <\/span><a href=\"https:\/\/engineerbabu.com\/blog\/cibil-api-integration-for-lending-apps\/\"><span style=\"font-weight: 400;\">credit bureau integration<\/span><\/a><span style=\"font-weight: 400;\">, basic rules engine, eSign, direct disbursement trigger, and basic operational dashboard.<\/span><\/p>\n<p><b>What it doesn&#8217;t cover:<\/b><span style=\"font-weight: 400;\"> Account Aggregator, multi-bureau sequencing, advanced <\/span><a href=\"https:\/\/engineerbabu.com\/blog\/credit-scoring-app-development\/\"><span style=\"font-weight: 400;\">credit scoring<\/span><\/a><span style=\"font-weight: 400;\">, co-lending module, DSA portal, multi-product support, regulatory reporting (CRILC).<\/span><\/p>\n<p><b>Who it&#8217;s for:<\/b><span style=\"font-weight: 400;\"> An NBFC or fintech launching a first loan product to validate the market before full investment. A DSA upgrading from manual processing. A lender testing a new loan product before full platform integration.<\/span><\/p>\n<p><b>Cost range:<\/b> <b>$15,000\u2013$35,000<\/b><span style=\"font-weight: 400;\"> (\u20b912\u201329 lakh) built in India. $45,000\u2013$90,000 built in the US or UK.<\/span><\/p>\n<p><b>Timeline:<\/b><span style=\"font-weight: 400;\"> 10\u201314 weeks.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Tier 2: Full Production LOS: Multi-Product, RBI Compliant<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it covers:<\/b><span style=\"font-weight: 400;\"> Everything in Tier 1 plus Account Aggregator framework, all 4 bureau integrations with intelligent sequencing, configurable credit rules engine (no-code policy updates), GSTN income verification, maker-checker underwriting workflows, KFS generation, DLA-compliant direct fund flows, NACH mandate origination, co-lending module (basic), DSA\/channel partner portal, mobile borrower app (Flutter), NPA\/SMA classification, CRILC reporting, WhatsApp Business integration.<\/span><\/p>\n<p><b>Who it&#8217;s for:<\/b><span style=\"font-weight: 400;\"> A growth-stage NBFC scaling from \u20b9100 crore to \u20b9500+ crore AUM. A fintech lender building a production digital lending platform for the India market. An NBFC moving from an off-the-shelf platform to a custom system they own.<\/span><\/p>\n<p><b>Cost range:<\/b> <b>$45,000\u2013$120,000<\/b><span style=\"font-weight: 400;\"> (\u20b937\u2013100 lakh) built in India. $150,000\u2013$400,000 built in the US or UK.<\/span><\/p>\n<p><b>Timeline:<\/b><span style=\"font-weight: 400;\"> 5\u20139 months.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Tier 3: Enterprise LOS: AI-Powered, Multi-Market<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it covers:<\/b><span style=\"font-weight: 400;\"> Everything in Tier 2 plus production ML credit scoring models (trained on the lender&#8217;s own data), advanced co-lending module with full automated reconciliation, OCEN integration for embedded lending, multi-state or multi-country compliance rules engine, collections AI (propensity model, collections routing), <\/span><a href=\"https:\/\/engineerbabu.com\/services\/api-development\"><span style=\"font-weight: 400;\">API gateway<\/span><\/a><span style=\"font-weight: 400;\"> for third-party embedded lending, analytics platform (portfolio health, NPA prediction, vintage analysis), and full DevOps\/SRE setup for 99.9% uptime SLA.<\/span><\/p>\n<p><b>Who it&#8217;s for:<\/b><span style=\"font-weight: 400;\"> An Upper Layer NBFC with \u20b9500+ crore AUM. A fintech planning to embed lending into a non-finance platform. A lender operating across India + one or more international markets.<\/span><\/p>\n<p><b>Cost range:<\/b> <b>$150,000\u2013$500,000+<\/b><span style=\"font-weight: 400;\"> (\u20b9125 lakh\u2013\u20b9415 lakh) built in India. $500,000\u2013$1.5M+ built in the US or UK.<\/span><\/p>\n<p><b>Timeline:<\/b><span style=\"font-weight: 400;\"> 9\u201318 months.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-23291\" src=\"https:\/\/engineerbabu.com\/blog\/wp-content\/uploads\/2026\/06\/b2_img5_tiertable.png\" alt=\"\" width=\"1200\" height=\"630\" title=\"\"><\/p>\n<h2><b>Module-by-Module Cost Breakdown<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">This is the breakdown nobody publishes. Each module&#8217;s cost is stated for India-based development at <\/span><a href=\"http:\/\/engineerbabu.com\"><span style=\"font-weight: 400;\">EngineerBabu<\/span><\/a><span style=\"font-weight: 400;\"> rates, the benchmark is senior engineers with lending domain expertise, not offshore commodity rates.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 1: Borrower Application Intake<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> Web and <\/span><a href=\"https:\/\/engineerbabu.com\/services\/mobile-app-development\"><span style=\"font-weight: 400;\">mobile application<\/span><\/a><span style=\"font-weight: 400;\"> form, real-time field validation, loan product selection, returning borrower pre-fill, initial eligibility screening, application reference number generation.<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $3,000\u2013$7,000<\/span><\/p>\n<p><b>What drives it up:<\/b><span style=\"font-weight: 400;\"> Multi-channel intake (web + app + DSA portal + branch interface). Multi-language support. Complex loan product selection logic with dynamic form rendering per product type.<\/span><\/p>\n<p><b>What drives it down:<\/b><span style=\"font-weight: 400;\"> Single channel. Single loan product. Standard form structure.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 2: KYC Stack<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> Aadhaar eKYC (UIDAI API, OTP and biometric), PAN verification (ITD API), CKYC registry lookup (CERSAI), Video KYC (V-CIP) for fully digital lending, OCR-based document upload fallback, liveness detection, address verification.<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $8,000\u2013$18,000<\/span><\/p>\n<p><b>What drives it up:<\/b><span style=\"font-weight: 400;\"> V-CIP (video KYC) adds significant complexity, session management, recording infrastructure, storage compliant with RBI audit requirements. Multiple fallback paths (Aadhaar OTP \u2192 biometric \u2192 V-CIP \u2192 physical upload) each add development and testing cost. Liveness check integration with third-party providers (HyperVerge, IDfy, Signzy).<\/span><\/p>\n<p><b>What drives it down:<\/b><span style=\"font-weight: 400;\"> Aadhaar OTP-only for standard personal loans. Single KYC path. No video KYC requirement.<\/span><\/p>\n<p><b>Critical note:<\/b><span style=\"font-weight: 400;\"> UIDAI authorisation for Aadhaar eKYC takes 4\u20138 weeks. Apply in week 1 of the project. The KYC module cannot go live without UIDAI production credentials, a common cause of LOS launch delays.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 3: Credit Bureau Integration<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> CIBIL consumer credit report API, bureau response parsing and normalisation, credit score extraction, tradeline analysis, derogatory flag detection, audit log per bureau call.<\/span><\/p>\n<p><b>Single bureau (CIBIL):<\/b><span style=\"font-weight: 400;\"> $5,000\u2013$10,000 <\/span><b>All 4 bureaus (CIBIL + Experian + Equifax + CRIF) with intelligent sequencing:<\/b><span style=\"font-weight: 400;\"> $15,000\u2013$25,000<\/span><\/p>\n<p><b>What drives it up:<\/b><span style=\"font-weight: 400;\"> Each bureau has different API format, different authentication method, different response schema, different error handling. Intelligent sequencing logic (hit bureau A first, hit bureau B only if thin-file) requires business rules configuration. Production certification for each bureau takes 4\u20138 weeks and must be run in parallel.<\/span><\/p>\n<p><b>Hidden cost:<\/b><span style=\"font-weight: 400;\"> Bureau API calls have a per-hit unit cost. At \u20b915\u201330 per hit, high-volume lenders pay \u20b95\u201320 lakh annually in bureau costs. Sequencing logic and response caching can reduce this by 20\u201335%.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 4: Account Aggregator (AA) Framework<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> AA gateway integration (Finvu, OneMoney, CAMSFinServ), consent artefact management, FIP data pull (bank statements, investment data, insurance), consent revocation handling, bank statement categorisation (income estimation, expense analysis, EMI obligation detection).<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $12,000\u2013$22,000<\/span><\/p>\n<p><b>What drives it up:<\/b><span style=\"font-weight: 400;\"> Consent management is complex, every consent request must have borrower consent recorded on the AA&#8217;s artefact, consent revocation must be handled mid-process, data use must be limited to the purpose stated in consent. Multiple FIP integration adds coverage but adds integration surface. Bank statement AI (ML categorisation of transactions) is the highest cost component.<\/span><\/p>\n<p><b>Critical note:<\/b><span style=\"font-weight: 400;\"> AA FIU (Financial Information User) registration takes 4\u20138 weeks. Apply week 1. This is now the preferred income verification method under the RBI Digital Lending Directions 2025, plan for it, not as an optional module.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 5: Credit Rules Engine<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> Rules editor UI (no-code policy configuration for credit team), rule definition language (eligibility criteria, score thresholds, DTI\/FOIR limits, negative list checks), rule testing against historical applications, version control and rollback, audit trail for every policy version applied.<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $10,000\u2013$20,000<\/span><\/p>\n<p><b>What drives it up:<\/b><span style=\"font-weight: 400;\"> No-code configurability requires significant frontend and backend engineering, the rules editor is itself a product. Rule testing environment (ability to run a new policy against historical data before activating it) adds substantial complexity. Multi-product rules (different credit policy per loan product) multiplies configuration surface.<\/span><\/p>\n<p><b>What drives it down:<\/b><span style=\"font-weight: 400;\"> If the credit team accepts a simplified rules interface (basic threshold configuration, not a full expression language), cost is at the lower end.<\/span><\/p>\n<p><b>Why this module matters more than its cost:<\/b><span style=\"font-weight: 400;\"> A rules engine that requires developer involvement for every credit policy change adds \u20b92\u20135 lakh per policy update cycle in delayed implementation costs. At EarlySalary&#8217;s volume, thousands of daily decisions, the ability to iterate credit policy in hours rather than weeks was worth more than the module itself.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 6: AI Credit Scoring (Alternative Data)<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> ML model for thin-file borrowers using GST data, bank statement transaction patterns, and behavioral signals. Model training on historical application and repayment data. Model deployment as a microservice. Explainability layer (reason codes per decision). Model monitoring for drift.<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $20,000\u2013$45,000<\/span><\/p>\n<p><b>What drives it up:<\/b><span style=\"font-weight: 400;\"> Model training requires labelled historical data, if the lender is new and has no loan performance data, the team uses industry datasets with transfer learning, which adds model development cost. GSTN API integration is a separate integration cost (\u20b93\u20135 lakh). Explainability layer (required by RBI for fair lending) adds engineering complexity.<\/span><\/p>\n<p><b>Google AI Accelerator 2024 advantage:<\/b><span style=\"font-weight: 400;\"> Production ML for lending credit scoring is a core capability. The models the team builds aren&#8217;t generic logistic regression \u2014 they&#8217;re production models trained on Indian lending data that handle thin-file borrowers, self-employed income estimation, and early-warning NPA signals. This is what got the team selected for Google AI Accelerator.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 7: eSign and Loan Agreement<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> Loan agreement template management (product-specific templates), dynamic field population (loan amount, rate, tenure, borrower details), Aadhaar-based eSign (NSDL\/CDSL), OTP-based eSign fallback (Digio\/Leegality\/SignDesk), document storage with signing event audit log.<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $6,000\u2013$12,000<\/span><\/p>\n<p><b>What drives it up:<\/b><span style=\"font-weight: 400;\"> Multiple eSign providers for redundancy. Complex loan agreement templates with conditional clauses. Agreement version management. Bulk agreement generation for co-lending structures.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 8: Disbursement and NACH<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> Direct disbursement trigger (IMPS\/NEFT\/RTGS from NBFC&#8217;s account to borrower&#8217;s verified account, compliant with DL Directions 2025), NACH mandate registration (NPCI, in NBFC&#8217;s name), mandate status tracking, disbursement confirmation receipt, failed disbursement retry logic.<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $8,000\u2013$15,000<\/span><\/p>\n<p><b>What drives it up:<\/b> <a href=\"https:\/\/www.npci.org.in\/product\/nach\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NACH<\/span><\/a><span style=\"font-weight: 400;\"> mandate origination via NPCI requires direct NPCI integration or a bank-as-intermediary model. NPCI connectivity has lead times and technical certification requirements. Failed disbursement handling (incorrect account details, closed accounts) requires manual review queue and retry workflow. Co-lending disbursement (split payment to borrower, with portion from bank partner and portion from NBFC) is significantly more complex.<\/span><\/p>\n<p><b>Critical note:<\/b><span style=\"font-weight: 400;\"> NACH mandate application to NPCI takes 4\u20136 weeks. Apply week 1. Mandates must be in the NBFC&#8217;s name per DL Directions 2025, not in a vendor&#8217;s name.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 9: Regulatory Compliance (India)<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> KFS (Key Fact Statement) generation in RBI-specified format, cooling-off period enforcement, DLA registration support (documentation for CIMS portal), CRILC submission data generation, SBR-aware NPA\/SMA classification, basic provisioning calculation.<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $10,000\u2013$20,000<\/span><\/p>\n<p><b>What drives it up:<\/b><span style=\"font-weight: 400;\"> Multi-SBR-layer support (if the NBFC is Middle Layer or above, provisioning calculations differ). Automated CRILC submission pipeline (SFTP\/API to RBI portal). Co-lending regulatory reporting (loan-level split data per RBI co-lending guidelines).<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Module 10: Operational Dashboard and Reporting<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><b>What it includes:<\/b><span style=\"font-weight: 400;\"> Loan officer application queue, manual review workflow, disbursement approval workflow, portfolio dashboard (active loans, NPA, collections rate), bureau cost tracking, agent performance (for DSA models).<\/span><\/p>\n<p><b>Cost:<\/b><span style=\"font-weight: 400;\"> $8,000\u2013$15,000<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-23293\" src=\"https:\/\/engineerbabu.com\/blog\/wp-content\/uploads\/2026\/06\/b2_img2_modules.png\" alt=\"\" width=\"1200\" height=\"630\" title=\"\"><\/p>\n<h2><b>Full Cost Breakdown Table<\/b><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>Module<\/b><\/td>\n<td><b>MVP (Tier 1)<\/b><\/td>\n<td><b>Full Production (Tier 2)<\/b><\/td>\n<td><b>Enterprise (Tier 3)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Application intake<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$6,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$9,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">KYC stack<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$8,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$14,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$18,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bureau integration<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$7,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$20,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AA framework<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$17,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$22,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Credit rules engine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$20,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AI credit scoring<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$35,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">eSign + agreement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$6,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$9,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Disbursement + NACH<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$8,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Regulatory compliance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$20,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ops dashboard<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$20,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mobile borrower app<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$18,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">DSA portal<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$18,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Co-lending module<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$30,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AI scoring + ML ops<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$45,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">DevOps + infra<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$8,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$20,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Total (India rates)<\/b><\/td>\n<td><b>~$50,000<\/b><\/td>\n<td><b>~$173,000<\/b><\/td>\n<td><b>~$334,000<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Total (US\/UK rates)<\/b><\/td>\n<td><b>~$140,000<\/b><\/td>\n<td><b>~$480,000<\/b><\/td>\n<td><b>~$900,000+<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i><span style=\"font-weight: 400;\">Note: Ranges vary based on specific product requirements, integration complexity, and team composition. These are representative mid-points, scoping conversations produce exact figures.<\/span><\/i><\/p>\n<h2><b>The Hidden Costs Every Quote Misses<\/b><\/h2>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Third-Party API Certifications and Lead Times<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">CIBIL production certification: 4\u20138 weeks, \u20b92\u20135 lakh in certification fees. UIDAI Aadhaar production access: 4\u20138 weeks, compliance requirements. NACH NPCI connectivity: 4\u20136 weeks, bank intermediary or direct. AA FIU registration: 4\u20138 weeks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">None of these appear in a development quote. All of them affect your go-live date. Total hidden cost: \u20b95\u201315 lakh in fees, 4\u20138 weeks in lead time if not started on day 1.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Regulatory Compliance Updates<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">RBI Digital Lending Directions updated. New SBR provisioning circular issued. Bureau API version updated. Each update requires engineering work. Budget \u20b95\u201315 lakh annually for regulatory compliance maintenance. Off-the-shelf platforms handle this for you on a custom build, it&#8217;s your responsibility.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Data Migration<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If the lender is moving from an existing system (spreadsheet, off-the-shelf LOS), borrower data, loan records, and repayment history must be migrated. Poorly done migrations corrupt the loan ledger. Good migration requires mapping, validation, and parallel running. Cost: \u20b93\u20138 lakh, often not quoted upfront.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Bureau API Running Costs<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Not a development cost, an operational cost. At \u20b915\u201330 per bureau hit, \u20b910\u201350\/month subscription fees per bureau, a lender doing 5,000 applications\/month pays \u20b975,000\u2013\u20b91,50,000 monthly in bureau costs. This compounds significantly at scale. Sequencing logic (only hit additional bureaus if needed) and caching (reuse recent reports within validity window) reduce this meaningfully but someone has to build that logic.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Cloud Infrastructure<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Production LOS requires AWS Mumbai for RBI data localisation. At Tier 1 scale: \u20b930,000\u2013\u20b960,000\/month. At Tier 2 scale with high availability: \u20b980,000\u2013\u20b91,50,000\/month. At Tier 3 with multi-AZ, auto-scaling, WAF, and SOC 2-compliant logging: \u20b92,00,000\u2013\u20b95,00,000\/month. Not in the development quote.<\/span><\/p>\n<h2><b>LoanOS vs. Custom Build: When LoanOS Makes the Cost Comparison Obvious<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">For lenders building a standard NBFC lending platform, single or multi-product personal or business loans, India market, RBI compliant, LoanOS changes the cost equation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LoanOS is the team&#8217;s own production-proven modular platform. Every module described above already exists in LoanOS as a tested, deployed, operational module. The \u20b910,000 crore EarlySalary platform refined these modules. LoanOS operates at \u20b91,000 crore\/year proving they work at scale.<\/span><\/p>\n<p><b>LoanOS pricing:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One-time: from \u20b96 lakh (full code ownership)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly subscription: \u20b929,500\/month (NBFC retains code after defined tenure)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">White-label add-on: available on ownership models<\/span><\/li>\n<\/ul>\n<p><b>LoanOS vs. custom Tier 1 comparison:<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Factor<\/b><\/td>\n<td><b>Custom MVP<\/b><\/td>\n<td><b>LoanOS<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cost<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000\u2013$35,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">From \u20b96 lakh (~$7,200)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Timeline<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10\u201314 weeks<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8\u201310 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Code ownership<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full (ownership models)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Compliance updates<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Your responsibility<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Supported<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Production proof<\/span><\/td>\n<td><span style=\"font-weight: 400;\">New build<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,000Cr\/yr live<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For non-standard products, proprietary credit models, multi-market builds, or enterprise scale requiring custom integrations, custom build extends from the LoanOS base, adding only what&#8217;s truly custom.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is the fastest path to production for most NBFCs: deploy LoanOS as the platform foundation, customise what&#8217;s specific to the lender&#8217;s business.<\/span><\/p>\n<p><b>Email mayank@engineerbabu.com to get a scoped quote for your specific LOS within a week.<\/b><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-23294\" src=\"https:\/\/engineerbabu.com\/blog\/wp-content\/uploads\/2026\/06\/b2_img6_loanos.png\" alt=\"\" width=\"1200\" height=\"630\" title=\"\"><\/p>\n<h2><b>Build vs. Buy: The Real Cost Comparison<\/b><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>Factor<\/b><\/td>\n<td><b>Custom Build (India)<\/b><\/td>\n<td><b>SaaS LOS (LendFoundry\/TurnKey)<\/b><\/td>\n<td><b>LoanOS<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Upfront cost<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15K\u2013$500K<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$0\u2013$50K setup<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96 lakh one-time<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ongoing cost<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Cloud infra only<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000\u2013$20,000\/month license<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b929,500\/month or zero (ownership)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Per-application cost<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Infra only<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$0.50\u2013$5 per application<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Code ownership<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full (ownership model)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Customisation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Platform-constrained<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Core modules fixed, extensions available<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Compliance updates<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Your team<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vendor-managed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Supported<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Proprietary credit model<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2705<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u274c<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u2705<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">India-Stack depth<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Configurable<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pre-built<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Production-proven<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Go-live timeline<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10 weeks\u201318 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4\u201312 weeks<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8\u201310 weeks<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>The SaaS trap:<\/b><span style=\"font-weight: 400;\"> A mid-size NBFC doing 3,000 applications\/month on a SaaS LOS at $2 per application pays $6,000\/month, $72,000\/year for the privilege of not owning the code. Over 3 years, that&#8217;s $216,000 in licensing fees for a platform where the lender has no equity, no IP, and no ability to implement proprietary credit models that differentiate their lending from competitors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The custom build at $80,000 pays back in under 14 months versus a $2\/application SaaS model at 3,000 applications\/month.<\/span><\/p>\n<h2><b>What Drives Costs Up and Down<\/b><\/h2>\n<p><b>Drives costs UP:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-country compliance (each jurisdiction adds 15\u201325% to compliance module cost)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Video KYC (V-CIP), session management, storage, and recording infrastructure is expensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All 4 bureaus versus single bureau, 3x the integration and certification work<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Production AI\/ML credit scoring, significant data science and MLOps cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Co-lending module, most complex single module in any NBFC LOS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real-time high-availability architecture (99.9% uptime SLA), multi-AZ infrastructure, load testing, chaos engineering<\/span><\/li>\n<\/ul>\n<p><b>Drives costs DOWN:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starting with LoanOS as the base and customising only what&#8217;s specific to the lender<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Single loan product for MVP before expanding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">India market only, avoids multi-jurisdiction complexity<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Standard bureau integrations (CIBIL only for start)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Phased delivery, Tier 1 first, Tier 2 in phase 2 after revenue validation<\/span><\/li>\n<\/ul>\n<h2><b>The EngineerBabu Advantage on Cost<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">40\u201360% lower cost than US or UK development at equivalent quality. Not because the team is cheaper but because Indore&#8217;s cost of living is lower than San Francisco&#8217;s and the engineering quality is the same.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The CTO&#8217;s 17 years at Wishfin means the team doesn&#8217;t spend the first 6 weeks learning what a NACH mandate is, how CIBIL certification works, or what the RBI inspection team looks for in an audit trail. Every project starts with full domain context. That context saves 4\u20136 weeks of discovery cost on every LOS build.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LoanOS as a starting point further compresses cost, the modules that take 3 months to build from scratch are deployed in 3 weeks from LoanOS. The build budget goes into what&#8217;s genuinely custom.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Google AI Accelerator 2024 production ML capabilities mean the AI credit scoring module is not a research prototype. It is production-deployable code built by a team that does this for a living.<\/span><\/p>\n<h2><b>Let&#8217;s Talk Numbers Specifically<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The numbers above are representative ranges. Specific numbers require a 30-minute conversation about:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your loan product(s) and target borrower segment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your regulatory obligations (SBR layer, co-lending, DLG)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your go-live timeline requirement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether LoanOS fits your product or needs custom extension<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your existing tech infrastructure (new build vs. migration)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">30 minutes produces a scoped proposal within a week.<\/span><\/p>\n<p><a href=\"mailto:mayank@engineerbabu.com\"><b>mayank@engineerbabu.com<\/b><\/a><\/p>\n<p><i><span style=\"font-weight: 400;\">Mayank Pratap | Co-founder, EngineerBabu | engineerbabu.com<\/span><\/i> <i><span style=\"font-weight: 400;\">\u20b910,000Cr Platform \u00b7 LoanOS \u20b91,000Cr\/yr Live \u00b7 CTO 17yr Wishfin \u00b7 Google AI Accelerator 2024 \u00b7 CMMI Level 5 \u00b7 4 Unicorn Clients \u00b7 Backed by Vijay Shekhar Sharma<\/span><\/i><\/p>\n<h2><b>FAQ about Loan Origination Software Development Cost<\/b><\/h2>\n<ul>\n<li aria-level=\"1\">\n<h3><b>How much does it cost to build a loan origination system?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A single-product MVP LOS for the India market costs $15,000\u2013$35,000 (\u20b912\u201329 lakh) built in India. A full multi-product, RBI-compliant production platform costs $45,000\u2013$120,000 (\u20b937\u2013100 lakh). An enterprise LOS with AI credit scoring, co-lending module, and multi-market compliance costs $150,000\u2013$500,000+. US\/UK development costs 3\u20134x these figures.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>What is the most expensive module in an LOS?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">AI credit scoring ($20,000\u2013$45,000) and the co-lending module ($15,000\u2013$30,000) are typically the most expensive individual modules. The KYC stack ($8,000\u2013$18,000) and AA framework ($12,000\u2013$22,000) are the next most expensive, largely due to the integration complexity and the number of fallback paths required.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>What are the hidden costs of building a loan origination system?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Third-party API certification fees and lead times (UIDAI, CIBIL, NPCI NACH, total \u20b95\u201315 lakh in fees, 4\u20138 weeks lead time), annual regulatory compliance maintenance (\u20b95\u201315 lakh\/year), data migration from existing systems (\u20b93\u20138 lakh), bureau API running costs (\u20b975,000\u2013\u20b91,50,000\/month at 5,000 applications\/month), and cloud infrastructure (\u20b930,000\u2013\u20b95,00,000\/month depending on scale).<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>What is LoanOS and how does it affect LOS development cost?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">LoanOS is EngineerBabu&#8217;s own modular NBFC lending platform, currently processing \u20b91,000 crore annually. It includes production-tested modules for KYC, bureau integration, AA framework, rules engine, eSign, disbursement, NACH, co-lending, and CRILC. Starting from LoanOS reduces Tier 1 development cost to approximately \u20b96 lakh (one-time ownership) versus $15,000\u2013$35,000 for a custom MVP build.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Should I build a custom LOS or use an off-the-shelf platform?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Off-the-shelf (LendFoundry, TurnKey Lender, Roopya) is right when standard loan products and no proprietary credit model are needed. Custom build (or LoanOS as foundation) is right when the credit model is proprietary, when products are non-standard, or when SaaS per-application fees become material at scale. A mid-size NBFC at 3,000 applications\/month pays $216,000 over 3 years in SaaS licensing \u2014 a custom build pays back in under 14 months.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>How long does it take to build a loan origination system?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Tier 1 MVP: 10\u201314 weeks. Tier 2 full production platform: 5\u20139 months. Tier 3 enterprise with AI scoring: 9\u201318 months. Critical: CIBIL certification, UIDAI Aadhaar, NACH NPCI, and AA FIU registration must all be initiated on day 1, each takes 4\u20138 weeks and cannot be expedited.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every development agency&#8217;s answer to &#8220;how much does it cost to build a loan origination system?&#8221; is the same: it depends. Contact us for a quote. That answer is frustrating when you&#8217;re trying to build a business case, get board approval, or decide whether to build versus buy. You need real numbers. Not a quote [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23290,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1247],"tags":[],"class_list":["post-23289","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech"],"_links":{"self":[{"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/posts\/23289","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/comments?post=23289"}],"version-history":[{"count":1,"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/posts\/23289\/revisions"}],"predecessor-version":[{"id":23295,"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/posts\/23289\/revisions\/23295"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/media\/23290"}],"wp:attachment":[{"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/media?parent=23289"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/categories?post=23289"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/engineerbabu.com\/blog\/wp-json\/wp\/v2\/tags?post=23289"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}