Premium Fintech Loan Android App Development

Project: Premium Loan / Fintech Android App + Admin Panel
I need an experienced developer or development team to build a smooth, premium and modern Android fintech/loan application with an original design and professional user experience.
My current budget is approximately ₹2,00,000, so I need the developer to propose the best realistic MVP within this budget. Please clearly mention which features are included now and which advanced features can be added later.
Customer Android App Requirements
Premium modern UI/UX
Mobile number registration and OTP login
Customer profile
Personal and basic financial information forms
Loan application form
Loan amount selection
Loan tenure selection
Loan application status tracking
Customer dashboard
Active loan details
Repayment schedule
Payment history/status
Notifications
Profile and settings
Customer Support Centre
Help & Support section
FAQ
Customer care phone number display
Customer support email display
Raise a support ticket
Complaint submission
Ticket status tracking
Owner Admin Panel
I need a secure admin panel completely controlled by me, including:
Owner/Super Admin login
Customer management
View customer applications
Application status management
Loan/repayment workflow management according to the final legally compliant lending model
Support ticket management
Basic dashboard and reports
Staff/user roles and permissions
Technical Requirements
Android app
Secure backend
Database
APIs
Admin panel
Push notifications
Basic security
Smooth and fast performance
Scalable architecture for future features and integrations
The system should be designed so that future integrations can be added, such as KYC services, payment services, regulated lending partners, fraud/risk systems, advanced analytics, AI automation, and an iPhone app.
Ownership – Very Important
I must have 100% ownership and full access to:
Complete source code
Android application
Backend
Admin panel
Database
Domain
Cloud/server
Google Play Console
All project accounts and credentials
The developer must provide complete source-code handover and documentation. There must be no hidden backdoors or developer-controlled access after the project handover.
All important accounts should be created using my email/company email, with the developer receiving only the access needed to complete the work.
Payment
I prefer milestone-based payments. Payment will be released after each milestone is completed and tested.
Please provide:
Examples of similar apps you have developed.
Total cost.
Development timeline.
Proposed technology stack.
Milestone payment plan.
Exactly what features are included within ₹2,00,000.
Cost of future advanced features.
Confirmation that I will receive 100% source-code ownership.
Important: This project must use an original design and branding. The actual lending, KYC, credit assessment, disbursement, repayment and customer-data processes will be implemented according to the applicable legal and regulatory requirements and/or regulated lending-partner structure in india