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💰 Dhan Sakshi (धन साक्षी) AI-Powered Loan Utilization Tracking Platform SMART INDIA HACKATHON 2025 | Problem Statement ID: 25149 🌟 Project Goal To replace manual, expensive field inspections with a fast, digital, and secure remote verification process, significantly reducing loan fraud and accelerating fund disbursement for rural beneficiaries.

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💰 Dhan Sakshi (धन साक्षी) – Loan Utilization Tracker

🚀 "Making sure every loan tells its true story"

Hey there 👋, welcome to Dhan Sakshi (meaning "Money Witness").
This is our attempt (Team Hexa Titans 🚀) to solve a very real problem in lending:
👉 loan money often gets misused, and 👉 banks spend way too much time & money on manual checks.

So, we built a mobile-first, AI-powered solution that makes loan utilization tracking a lot smarter and more transparent.


🌟 What’s the idea?

📱 Offline-First Proof – Borrowers can click photos/videos of purchased assets and save them even if there’s no internet. As soon as they’re back online, everything syncs automatically.

🤖 AI Fraud Checks – Our backend scans uploads for tampering, weird anomalies, or geo mismatches and flags suspicious cases instantly.

🔗 Blockchain Audit Trail (future scope) – Every decision (approve/reject) can be logged immutably for compliance & trust.

In short: fewer field visits, faster approvals, and less fraud.


💻 Tech We Used

Frontend (Mobile Prototype)

  • React (simulating React Native)
  • Tailwind CSS (with our cyber-teal theme ✨)
  • LocalStorage demo for offline-first behavior

Backend (API + Logic)

  • Node.js + Express
  • Mock DBs: MongoDB (for media metadata) & PostgreSQL (for structured case data)
  • Endpoints for syncing, officer review, and AI simulation

⚡ How to Run It

Prerequisite: Node.js installed

Backend (Port 5000)

First, open a terminal and move into the backend folder:

cd backend
npm install
node index.js

### If everything went fine, you should see:
Node.js Backend Server running on http://localhost:5000

### Frontend (Port 3000)  
In another terminal, move into the frontend folder:

```bash
cd frontend
npm install
npm start



Your browser should automatically open at 👉 http://localhost:3000


### 💡 Why it matters

🌍 Works in rural areas where internet is patchy

⚡ Officers spend less time chasing genuine borrowers

🛡️ Banks save money and get tamper-proof transparency

🚀 What’s Next

Real blockchain integration

Smarter AI fraud detection models

Hooking up with real databases for scale

🏆 Built by

Hexa Titans with ❤️, coffee, and a lot of debugging

About

💰 Dhan Sakshi (धन साक्षी) AI-Powered Loan Utilization Tracking Platform SMART INDIA HACKATHON 2025 | Problem Statement ID: 25149 🌟 Project Goal To replace manual, expensive field inspections with a fast, digital, and secure remote verification process, significantly reducing loan fraud and accelerating fund disbursement for rural beneficiaries.

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