The trickiest part was the Power of Attorney. Anil needed his father to act on his behalf for the registration of the land and the signing of the construction agreements.
"Done," he texted his father. "Pay the fee."
This was the turning point. In the old days, this would have meant a letter sent by post, weeks of delay, and potential resubmission. Anil took a photo of the clear document, uploaded it to the ICICI Home Loan app, and hit send.
Within 24 hours, the status changed from 'Under Review' to 'Sanctioned'.