For banks, NBFCs & lending desks

AI for banks and NBFCs in India

Credit Appraisal Memos and DSCR / EMI / FOIR / LTV computed deterministically from real GST, ITR and bank-statement data, plus an Early Warning System and RBI/SEBI circular checks — all on infrastructure you control, no borrower data to a third-party AI provider.

Open the terminalHow data is handled

Credit Appraisal Memos

Generated from real GSTR-3B, ITR and bank-statement data — figures are computed, not mocked. DSCR, turnover and obligation analysis in a structured memo.

DSCR & EMI / FOIR / LTV

Deterministic loan calculators — no LLM in the math. DSCR from audited financials / ITR; EMI, FOIR and LTV from the loan terms and borrower income you enter.

Early Warning System

Standalone re-screening for EMI bounces, turnover variance and circular-trading patterns across a borrower's transaction data.

Regulatory checks

A proposed lending action or policy change is checked against real RBI / SEBI circulars, with every citation validated against the retrieved text before it renders.

Loan sanction letters

Formats already-decided sanction terms into a .docx — it never independently computes or approves the terms.

Sovereign by design

Runs on your own infrastructure. No borrower data is sent to OpenAI, Anthropic, Google or any third-party AI service; per-tenant isolation and an immutable audit log.

What this is not. There is no Basel III capital-adequacy scoring and no AML/CFT watchlist screening — those need data subscriptions (e.g. World-Check, Dow Jones) that FinRace AI does not bundle. The credit-scoring engine does not emit an "automated credit score"; it produces the underlying appraisal figures for a human credit officer.

Also for chartered accountants, law firms, banks & NBFCs, company secretaries, insurers, stockbrokers and HR teams.