Make Smarter, Faster, and Secure Lending Decisions with AI
How It Works
Identity Verification
• Extract & validate Aadhaar, PAN, and ID details via OCR and live APIs.
• Assess identity risk: Low (full match), Medium (partial), High (mismatch).
• Assess identity risk: Low (full match), Medium (partial), High (mismatch).
Repayment Capability Check
• Analyze salary slips, bank statements, Form 16, and ITR for income consistency.
• Cross-verify names and salary data across documents to detect discrepancies.
• Cross-verify names and salary data across documents to detect discrepancies.
Security & Collateral Assessment
• Extract data from Registry, 7/12 Extract, FD Certificates, and more.
Risk Categories Based on Security Value vs Loan Amount
Surplus Security → Low Risk
Balanced Security → Medium Risk
Insufficient Security → High Risk
Balanced Security → Medium Risk
Insufficient Security → High Risk
AI-Powered Risk Scoring
• Built on extensive historical lending data for accurate risk scoring.
• Evaluates 30+ features: Loan amount, tenure, income, occupation, age, overdue history, and more.
• Outputs a risk probability score to classify applications into:- Low Risk – Auto-approve
Medium Risk – Flag for review
High Risk – Recommend rejection
• Evaluates 30+ features: Loan amount, tenure, income, occupation, age, overdue history, and more.
• Outputs a risk probability score to classify applications into:- Low Risk – Auto-approve
Medium Risk – Flag for review
High Risk – Recommend rejection
Key Benefits
Faster Approvals
Reduce decision time from days to minutes.
Reduced NPAs
Predict defaults early with behavioural and document-based insights.
Automated Underwriting
AI supports credit officers with real-time risk assessment.
Dual-Mode Lending
Works for both secured and unsecured loans.
Dynamic Risk Monitoring
Post-disbursement tracking with early warning alerts.
Built for Enterprise Lending
- Pre-Disbursement : Risk scoring, early fraud detection, smart triage.
- Post-Disbursement : Behavioral monitoring, re-scoring, portfolio risk analytics.
- Scalable Architecture: Modular design for integration with core banking and CRM systems.
- Audit-Ready : Full traceability of decisions, document trails, and model inputs.
Use Cases Across Roles & Industries
Banks & NBFCs
Automate loan underwriting while maintaining compliance.
Cooperative Banks
Modernize legacy processes with document + data intelligence.
Corporate Finance Teams
Evaluate employee or vendor loan eligibility instantly.
Fintechs
Scale digital lending with AI-driven credit decisions.
Microfinance Institutions
Assess risk for low-income borrowers using alternative data.