Personal Loans with Flexible payment structure

Loans where I can foreclose or part pay the personal loan amount whenever I want without any extra charges (like in the case of a home loan).
Ability to restructure the loans so as to pay the loan quickly with higher EMIs now that my monthly income has increased. I can't believe I still have to visit the bank to restructure or foreclose my loan. It's so frustrating.
Feature to balance transfer my loan from Bank A to Bank B hasslefree and with a lower interest rate. The Idea is of a simple KYC transfer. Usually, when I do a balance transfer I will need to go through the entire loan process once again with the new bank which is not a good way to spend my time. I would rather pay some money for a KYC transfer process wherein I select the bank to which I wish to transfer my loan account(usually the one with lower interest rates) and the KYC documents should be transferred to the other bank now and the loan transfer decision should be taken automatically without my intervention.
Option to set up an Emergency Fund based on my monthly expenses calculated by Finin.
Option to invest overseas without any remittance costs.
Option to hedge my forex risk when I am saving for my higher education or a travel trip in a different country. or an option to save in foreign currency for that matter.

Hi Sathya,
We have a version of this "Option to set up an Emergency Fund based on my monthly expenses calculated by Finin." getting built currently.

Loans, Investments and forex use cases, are great points and we will build this in the subsequent product releases.

Keep these ideas flowing, it's really insightful. Thank you so much.

Anirudh