Your Complete Digital Home Financing Platform

AGFL Tech Systems

AGFL Tech Systems is the fintech arm of Asaan Ghar Finance Limited, designed to simplify and secure the entire home financing journey. From application to ownership, our Shariah-compliant, paperless, and fast process makes financing accessible to first-time homeowners while ensuring transparency and ethical practices. Our technology uniquely de-risks and validates the earning potential of low-income segments often seen as high-risk by traditional lenders.

Lead Management – Fastest application turnaround time in the industry with AI screening to identify high-quality leads.

Data Science-Backed Underwriting – 100+ customer data points analyzed for accurate assessments.

Seamless Integration – Linked with specialized credit and fraud detection platforms for stronger credit quality.

ML-Based Credit Scoring – Informed lending decisions even for non-traditional income profiles.

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4.5/5

Comming soon

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Our Tech Systems

AGFL Tech Systems

AGFL Tech Systems has three main tools: LOS for handling new loan applications, LMS for managing ongoing loans, and PMT for keeping track of projects and tasks.

Standard
Loan Management System

A Shariah-compliant solution for managing financing cases after disbursement until full ownership transfer

LMS

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  • Manage payment schedules & rental instalments under Diminishing Musharakah
  • Track ownership share changes over time
  • Ensure Shariah compliance in all transactions
  • Real-time account updates & payment history
  • Automated takaful (Islamic insurance) coverage management
Pro
Project Management Tool

A Shariah-compliant system to plan, track, and manage financing-related projects with efficiency.

PMT

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  • Organize projects from start to finish
  • Ensure timely application, approval & disbursement
  • Monitor Shariah compliance in all project activities
  • Assign & track team tasks and responsibilities
  • Real-time progress updates for management
  • Improve workflow efficiency & customer service
Basic
Loan Oriented System

A Shariah-compliant digital platform managing the entire Islamic home financing process, from application to approval.

LOS

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  • Artificial Intelligence (AI) backed Lead management
  • Fully aligned with Diminishing Musharakah model with 100+ customer data points
  • Machine Learning (ML) based customer credit scoring
  • 100% paperless application & verification
  • Instant credit & Shariah checks for faster approvals
  • Strong encryption for customer data
  • Transparent workflow, no hidden charges
  • Integrated compliance & risk controls
Pro
House Financing App

A secure, Shariah-compliant, and paperless experience for customers across Pakistan that puts the entire home financing process in the palm of your hand

App

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  • Apply digitally in minutes with a guided form
  • Live chat with sales agents for step-by-step help
  • 24/7 AI support for instant answers
  • Biometric, facial, and ID verification
  • Real-time loan tracking dashboard
  • Finance calculator for eligibility & instalments
  • Secure in-app payments
  • Fully paperless process from start to finish

Take control of your Loan today

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