diff --git a/app/__init__.py b/app/__init__.py
index e5e7e35..ed6ddc3 100644
--- a/app/__init__.py
+++ b/app/__init__.py
@@ -1,9 +1,10 @@
 from flask import Flask
+from flask_mail import Mail
 from flask_cors import CORS
 from app.config import Config
 from app.routes import auth_bp, autocall_bp
 from app.response import (method_not_allowed, unsupported_media_type, not_found, bad_request)
-from app.extensions import db
+from app.extensions import db, mail
 
 
 def create_app():
@@ -15,6 +16,9 @@ def create_app():
 
     # Setup CORS
     CORS(app)
+    
+    # Initialize Flask-Mail
+    mail.init_app(app)
 
     # Register blueprints
     app.register_blueprint(auth_bp)
diff --git a/app/config.py b/app/config.py
index 04cc785..948a00a 100644
--- a/app/config.py
+++ b/app/config.py
@@ -43,6 +43,15 @@ class Config:
     # SQLALCHEMY_ECHO = True
 
 
+    MAIL_SERVER = os.getenv('MAIL_SERVER','smtp.zoho.com')
+    MAIL_PORT = 587
+    MAIL_USERNAME = os.getenv('MAIL_USERNAME', 'firstadvance@dynamikservices.tech')
+    MAIL_PASSWORD = os.getenv('MAIL_PASSWORD')
+    MAIL_USE_TLS = True
+    MAIL_USE_SSL = False
+    MAIL_DEFAULT_SENDER = ('FirstAdvance', 'firstadvance@dynamikservices.tech')
+    MAIL_RECEIVER= os.getenv('MAIL_RECEIVER', 'chinenyeumeaku@gmail.com,umeakuchinenye@gmail.com')
+    
     BANK_CALL_BASE_URL = os.getenv("BANK_CALL_BASE_URL", "https://bank-emulator.dev.simbrellang.net/api")
     BANK_CALL_SMS_BASE_URL= os.getenv("BANK_CALL_SMS_BASE_URL","https://first-advance-middleware-develop.fbn-devops-dev-asenv.appserviceenvironment.net/SMS")
     BANK_CALL_DISBURSE_LOAN_ENDPOINT = os.getenv("BANK_CALL_DISBURSE_LOAN_ENDPOINT","/DisburseLoan")
diff --git a/app/extensions.py b/app/extensions.py
index 2e1eeb6..1afa3d6 100644
--- a/app/extensions.py
+++ b/app/extensions.py
@@ -1,3 +1,5 @@
 from flask_sqlalchemy import SQLAlchemy
+from flask_mail import Mail
 
+mail = Mail()
 db = SQLAlchemy()
\ No newline at end of file
diff --git a/app/routes/autocall.py b/app/routes/autocall.py
index 679608f..7a291b6 100644
--- a/app/routes/autocall.py
+++ b/app/routes/autocall.py
@@ -10,6 +10,8 @@ from app.services.loan import LoanService
 from app.services.repayment import RepaymentService
 from app.services.salary import SalaryService
 from app.enums.loan_status import LoanStatus
+from app.utils.mail import send_report_email, get_report_data
+from app.config import settings
 
 autocall_bp = Blueprint("autocall", __name__)
 
@@ -238,3 +240,19 @@ def process_salary_list():
         logger.info(f"Finished processing salary ID: {pending_salary.id}")
 
     return ResponseHelper.success([], "Processed all pending salaries")
+
+
+
+@autocall_bp.route("/report", methods=["GET"])
+def report():
+    try:
+        report_data = get_report_data()
+        logger.info(f"Generated report data: {report_data}")
+        send_report_email(
+            report_data, 
+            recipients = [email.strip() for email in settings.MAIL_RECEIVER.split(",")])
+
+        return ResponseHelper.success(message="Report sent successfully",status_code=200)
+    except Exception as e:
+        logger.error(f"Error generating or sending report: {e}")
+        return ResponseHelper.error("Failed to send report", status_code=500, error=str(e))
diff --git a/app/utils/mail.py b/app/utils/mail.py
new file mode 100644
index 0000000..3e39255
--- /dev/null
+++ b/app/utils/mail.py
@@ -0,0 +1,40 @@
+from flask_mail import Message
+from flask import current_app
+from app.extensions import mail
+import pandas as pd
+from io import BytesIO
+
+def get_report_data():
+    """
+    Fetch and return loan summary data.
+    """
+    return [
+        {"Type": "Disbursement", "Count": 45},
+        {"Type": "Repayment", "Count": 32},
+    ]
+def send_report_email(report_data: list, recipients: list):
+    """
+    Sends an HTML + Excel report to the given email recipients.
+    """
+    df = pd.DataFrame(report_data)
+    output = BytesIO()
+    df.to_excel(output, index=False)
+    output.seek(0)
+
+    html_table = df.to_html(index=False, border=1)
+
+    msg = Message(
+        subject="Loan Report Summary",
+        recipients=recipients,
+        html=f"<h3>Loan Report Summary</h3>{html_table}",
+    )
+    msg.attach(
+        "loan_report.xlsx",
+        "application/vnd.openxmlformats-officedocument.spreadsheetml.sheet",
+        output.read()
+    )
+
+    with current_app.app_context():
+        mail.send(msg)
+
+    return "Report email sent"
\ No newline at end of file
diff --git a/openapi.yml b/openapi.yml
index 8bedff7..9b03e59 100644
--- a/openapi.yml
+++ b/openapi.yml
@@ -200,4 +200,12 @@ paths:
                   example: "2025-01-01"
       responses:
         200:
-          description: A successful response
\ No newline at end of file
+          description: A successful response
+
+  /autocall/report:
+    get:
+      summary: Generate and send a report
+      responses:
+        200:
+          description: A successful response
+          
\ No newline at end of file
diff --git a/requirements.txt b/requirements.txt
index 32e6887..25b198e 100644
--- a/requirements.txt
+++ b/requirements.txt
@@ -11,3 +11,6 @@ psycopg2-binary
 alembic
 python-dateutil
 oracledb
+Flask-Mail==0.10.0
+pandas==2.1.3
+openpyxl==3.1.5