Credit Assessment & Decisioning Platform
Credit assessment platform is an innovative decision-making platform that simplifies lending decision-making and credit analysis. It helps banks, NBFCs and other financial firms in monitoring and responding to risk parameters & examining the creditworthiness of the borrowers using various data sources such as income tax returns, bank statements and GST data.
- GST Portal
- Bank statement
- Pan or GSTIN or GST username
- ITR in XML or PDF
- Statement in PDF, scanned or JSON form
- Government API
- Manual upload in XML format
- Manual upload Or Net banking pull
(of all the data for cross validation of financial data)
Rapid decision making
Basis of predefined eligibility criteria
Data sources for credit assessment
Dashboard and analytics
Monitor financial risks
Check borrower’s details
Targeted assessments based on profiles
The credit assessment refers to inspecting the borrower’s loan application to check its financial health and ability to generate necessary cash flows to service the debt.
The creditworthiness of the borrower is determined by evaluating and verifying the financial information provided by the borrower.
Data sources such as GST data, income tax returns & bank statements is generally used.