Credit Portal
AI-first origination to disbursal.
One underwriting spine that reads bureau files, bank statements, GST and invoice data, applies your policy as executable logic, and produces a decision with a full reason code trail regulators can read.
4 min
Median decision
100%
Reason-coded
Versioned
Policy engine
Worked example
Application #A-88214 — Sharma Auto Components
Working-capital line, ₹45L requested · bureau pull + 24m bank statements + GST returns + KYC
Entity
MSME, auto components, Pune
Bureau score
CIBIL 718, 1 late payment 2022
Bank data
24 months, 2 accounts, ₹6.2Cr credits
GST
GSTR-1 and 3B filed, 36 months
Run log
- Verify identity and entity
KYC matched to GST registration and bureau record; no mismatch.
- Read the bank statements
24 months classified: ₹6.2Cr credits, 71% from 4 counterparties, 3 bounced mandates in Aug-Sep 2024.
- Cross-check GST vs banking
Declared turnover ₹5.9Cr vs banked ₹6.2Cr — 5% variance, within tolerance.
- Apply the credit policy
Policy v4.2 executed as code — 34 rules, 2 triggered, both logged.
- Price and produce the audit file
Decision, reason codes and full evidence chain written to the audit record.
Output
Press run to work this example end to end. Everything below is produced from the input above — sample data, real output shape: decision + reason codes, limit and pricing, audit file.
Cash-flow underwriting
Bank statement and GST intelligence for thin-file and new-to-credit borrowers.
Policy as code
Credit policy versioned, testable and back-testable against historical books.
Explainable decisions
Reason codes and adverse-action language generated with every outcome.
Takes in
- Bureau reports
- Bank statements
- GST + invoices
- KYC
Hands back
- Decision + reason codes
- Limit and pricing
- Audit file