OCEN & AA Framework Compatible

Smart Credit Decisions with Clear Insight

Deploy sophisticated, sector-specific underwriting modules in days, not months. Make faster, smarter credit decisions with our proven API-driven platform that gives you clear insight into every loan.

Minutes to integrate
Sector-specific models
Real-time decisions
Underwriting Dashboard
98.5%
Accuracy Rate
2min
Avg Decision Time
Bureau Score750
GST ComplianceExcellent
Risk Grade
A
Core Features

Advanced Underwriting Made Simple

Our product-specific modules leverage multi-source data and sector-specific intelligence to deliver superior decision accuracy over custom-built systems.

  • Multi-Source Data Integration

    Aggregate bureau data, GST/invoice data, bank statements, and compliance checks into a single decision engine with automated validation.

  • Sector-Specific Risk Parameters

    Tailored parameters like buyer concentration, invoice variance, GST compliance, and business vintage for accurate sector-based assessment.

  • Weighted Scoring & Grading

    Granular A/B/C/D grading with probability of default (PD) bands, dynamic LTV restrictions, and risk-based pricing adjustments.

Underwriting process flow showing data integration from multiple sources including bureau data, GST, and bank statements
Benefits

Why Choose Our Underwriting Platform

Empower your lending operations with faster decisions, reduced risk, and improved profitability.

Faster Turnaround
Reduce decision time from days to minutes with automated, API-driven underwriting
2 min

Average decision time

Cost Savings
Avoid high costs of building in-house systems with our pre-built modules
70%

Reduction in development costs

Improved Accuracy
Sector-specific models deliver superior decision accuracy over generic systems
98.5%

Decision accuracy rate

Risk Reduction
Comprehensive data validation and fraud detection minimize lending risks
45%

Reduction in default rates

Scalability
Handle growing loan volumes without proportional increase in resources
10x

Volume scaling capability

Easy Integration
Plug-and-play APIs enable rapid deployment with minimal IT resources
1 week

Average integration time

Framework Compatibility

Built for India's Digital Lending Ecosystem

Seamlessly integrate with OCEN, Sahamati, and Account Aggregator frameworks for comprehensive data access and regulatory compliance.

OCEN Compatible
Standardized APIs for seamless integration with LSPs, banks, and NBFCs
  • • Multi-source data pulls
  • • Auction-based workflows
  • • Soft/hard bureau pulls
Sahamati Network
Interoperability with the collective AA ecosystem for broad data access
  • • SahamatiNet integration
  • • Router connectivity
  • • Standardized onboarding
Account Aggregator
Consent-based, secure financial data sharing with full regulatory compliance
  • • Real-time data ingestion
  • • Customer consent driven
  • • All FIP/FIU data types
Use Cases

Sector-Specific Solutions

Our modules are tailored for specific lending products with deep sector intelligence.

Invoice Financing
Specialized underwriting for invoice discounting and supply chain finance
  • Buyer concentration analysis
  • Invoice value variance detection
  • HSN code matching validation
  • GST compliance scoring
MSME Lending
Comprehensive risk assessment for small and medium enterprises
  • Business vintage evaluation
  • GST filing behavior analysis
  • Banking pattern assessment
  • Cheque return monitoring

Ready to Transform Your Underwriting?

Join leading banks and NBFCs who trust our platform for smarter, faster credit decisions.

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