Build EMI Tracker Web App with Automated Payment Reminders (SMS/Email), Tracking & Excel/PDF Reports

Looking for an experienced full-stack developer to build a web-based EMI Tracker Application. The system should allow users to add and manage multiple EMIs with bank name, EMI head/category, amount, due date, start date, and ending date. The application should automatically track monthly EMI schedules, payment status (Paid/Pending/Overdue), calculate total payments and outstanding amounts, and provide a dashboard with monthly and bank-wise summaries. It should generate downloadable monthly reports in Excel (XLSX) and PDF formats. Additionally, the system must send automated EMI due-date reminders and payment notifications via SMS/mobile number and email, with configurable reminder schedules. The application should be user-friendly, responsive, secure, and maintain complete historical payment records.