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AI-Powered Financial Intelligence · 12 Analysis Modules

Credit Decisions Powered
by Real-Time Financial
Intelligence

Underwrite faster, reduce risk, and improve approvals using AI-powered income, bureau, banking, GST, and business intelligence — unified into one decisioning engine.

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🏦Trusted by Lenders
🔐Secure APIs
⚡Real-Time Decisioning
🇮🇳RBI-Ready
✅DPDP Compliant
Decisions / Day
12,480 ⬆
+18% vs last month
Approval Rate
68.4% ↑
+6.2pp improvement
Credit Intelligence — SafematePlus
Live
784
CIBIL Score
▲ Excellent
86.2
AI Credit Score
▲ High
₹24L
Eligible Amount
▲ Qualified
Portfolio Risk Level
Low Risk
Low Medium High
Bank Cashflow — 6M
Net: +₹82,400
Inflow
Outflow
🛡️
Fraud Signals
0 anomalies detected across all checks
✓ All Clear
Automated Decision
✓ Pre-Approved
Loan of ₹24L · Rate: 10.5% · 5yr
86.2
AI Credit Score
🏦
Trusted by Lenders
Banks, NBFCs & Fintechs
🔐
Secure APIs
AES-256 + TLS 1.3
⚡
Faster Underwriting
<10 min end-to-end
🤖
AI Risk Models
12 intelligence engines
📋
Compliance Ready
RBI, DPDP, Consent-first
🎯
SLA Driven
99.9% Uptime Guaranteed
🧠 Intelligence Modules
12 Purpose-Built Financial Intelligence Engines

Not generic ML models. Each module is engineered for India's credit environment, data infrastructure, and regulatory requirements.

📊
BureauLens AI
Multi-bureau credit pull with AI analysis — goes beyond raw scores to extract delinquency patterns, utilisation signals, and repayment behaviour.
CIBIL, Experian, Equifax pull
Risk indicator scoring & flag analysis
Delinquency & default pattern detection
⚡ <30 seconds
🏦
BankInsight AI
AI-powered 12-month transaction analysis — income attribution, EMI extraction, cash flow health, and financial behaviour profiling at scale.
Salary & business income identification
EMI & recurring obligation extraction
Cash flow health scoring
⚡ <3 minutes
💰
IncomeInsight AI
Accurate income estimation for salaried and self-employed applicants — combining bank data, GST, and alternate signals for a verified income view.
Net take-home & gross income attribution
Self-employed income stabilisation
Alternate data income proxies
⚡ <2 minutes
📋
GST Insight AI
GSTN network analysis for MSME and business lending — turnover estimation, transaction patterns, business vintage, and GST compliance assessment.
GST turnover & revenue estimation
Business transaction pattern analysis
Filing compliance & vintage check
⚡ <1 minute
🛡️
FraudShield AI
Real-time fraud signal detection at application intake — synthetic identity detection, document fraud flags, and fraud ring cluster analysis.
Synthetic identity & fraud ring detection
Document tampering & forgery flags
PEP, sanctions & watchlist screening
⚡ <1 second
📈
RiskShield AI
Proprietary cashflow scoring model — analyses inflow stability, outflow patterns, savings behaviour, and liquidity ratios for creditworthiness assessment.
Inflow stability & income regularity
Liquidity ratio & savings rate
Cashflow volatility scoring
⚡ <2 minutes
🤖
CreditLens AI
Composite AI credit scorecard combining bureau, income, cashflow, fraud, and alternate data signals into a single 0–100 underwriting score with explainability.
Multi-signal composite score (0–100)
Score rationale & contributing factors
Regulatory-grade explainability report
⚡ <10 minutes
👥
Co-applicant Analyzer
Joint loan assessment — independently analyses co-applicant's credit, income, and financial health, then generates a combined household creditworthiness view.
Independent co-applicant credit pull
Household income aggregation
Combined obligation & EMI assessment
⚡ <5 minutes
🏭
MSMELens AI
Specialised underwriting for MSME and business borrowers — combining GST data, bank statements, MCA filings, and business bureau signals for SME credit decisioning.
Business bureau & MCA filing check
Trade receivables & payable analysis
Business vintage & stability score
⚡ <8 minutes
⚠️
EarlySignal AI
Post-disbursement portfolio monitoring — AI-driven early warning system that flags borrowers showing stress signals before NPA classification.
Cashflow deterioration alerts
Bureau inquiry spike detection
Portfolio risk concentration dashboard
⚡ Real-time monitoring
📄
DocuLens AI
AI-powered document intelligence for verification, OCR extraction, and fraud detection across financial and identity documents submitted at loan origination.
OCR extraction & structured data parsing
Document forgery & tampering detection
Multi-doc type support — ITR, bank, ID
⚡ <45 seconds
🪪
KYCShield AI
Identity verification and fraud prevention engine using Aadhaar, PAN, CKYC, and liveness detection signals for compliant, real-time customer onboarding.
Aadhaar / PAN / CKYC verification
Liveness detection & face match
Watchlist, PEP & sanction screening
⚡ <10 seconds
⚙️ How It Works
Automated Credit Decisioning Pipeline

A fully automated pipeline — from application submission to structured decision — with zero manual bottlenecks and full audit trail.

01
Step 1 · Intake
Applicant Submits Details & Consent
Applicant data submitted via API call or web form. Consent is captured digitally per DPDP Act 2023 requirements — logged immutably with timestamp, purpose, and data principal ID.
Digital Consent
DPDP Compliant
REST API / Form
⚡ Instant
02
Step 2 · Data Fetch
APIs Fetch Multi-Source Financial Data
SafematePlus simultaneously pulls data from credit bureaus, CKYC registry, GSTN, bank account aggregator, and government databases — all in parallel, not sequential.
CIBIL / Experian
CKYC Registry
GSTN
Bank AA
Govt DBs
⚡ <2 minutes (all parallel)
03
Step 3 · AI Analysis
RiskShield AI Analyses All Signals
10 intelligence modules process the fetched data simultaneously — bureau intelligence, income estimation, cashflow scoring, fraud detection, GST analysis, and MSME risk profiling run in parallel.
10 AI Modules
Parallel Processing
Fraud Detection
Income Estimation
⚡ <5 minutes
04
Step 4 · Scoring
Eligibility Score & Risk Profile Generated
CreditLens AI generates a composite 0–100 score from all signal layers. Eligibility amount is calculated. Risk profile — income, fraud, bureau, cashflow — is assembled into a structured decision package.
AI Credit Score
Eligibility Calc
Risk Profile
⚡ <1 minute
05
Step 5 · Decision
Instant Decision + Structured Report Output
Approve / Refer / Decline decision returned via JSON API response, PDF report, and webhook event — with full explainability report for regulatory review and audit trail for RBI inspection.
JSON Response
PDF Report
Webhook
Audit Trail
⚡ Under 10 minutes — total
📋 Use Cases
One Engine. Every Credit Product.

From personal loans to merchant financing — SafematePlus adapts its decisioning model to the specific risk profile, data signals, and approval logic of each credit product.

👤
Personal Loans
Instant salaried and self-employed personal loan decisioning with bureau + income + cashflow analysis in under 10 minutes.
Bureau Pull
Income Verification
Fraud Check
🏭
Business Loans
MSMELens AI + GST Insight AI + business bureau for accurate creditworthiness assessment of self-employed and business borrowers.
GST Insight AI
MSMELens AI
BankInsight AI
🏠
Home Loans
Long-tenure loan underwriting with co-applicant analysis, AssetCheck AI asset verification, and combined household income assessment.
Co-applicant
AssetCheck AI
Income Stability
🏢
LAP (Loan Against Property)
Collateral-backed lending with asset ownership verification, encumbrance check via AssetCheck AI, and property value intelligence signals.
AssetCheck AI
Asset Verification
Encumbrance
💳
Credit Cards
High-volume credit card underwriting with real-time bureau pull, revolving credit utilisation analysis, and instant limit recommendation.
High Volume
Bureau + Fraud
Limit Calc
🛒
BNPL
Sub-second credit decisioning for embedded buy-now-pay-later at point of purchase — low ticket, high velocity, fraud-resistant.
<2s Decision
Embedded
Fraud-Resistant
🏗️
MSME Lending
Specialised MSME underwriting combining trade credit, GST turnover, bank cashflow, and business stability signals for accurate SME risk assessment.
GST + Bank
Trade Credit
Business Risk
🏪
Merchant Financing
Revenue-based financing for merchants — turnover analysis, transaction velocity, and business income assessment for working capital credit.
Revenue-Based
Transaction Analysis
Working Capital
⚖️ Comparison
SafematePlus vs Traditional Underwriting

Why leading lenders are replacing manual credit review processes with AI-driven financial intelligence infrastructure.

Capability / Process ✅ SafematePlus ❌ Traditional Underwriting
Income Verification
AI-automated — bank statement + GST + salary slip
Manual review — slow & inconsistent
Credit Decisioning
Real-time AI — under 10 minutes end-to-end
Hours to days — multiple officer touchpoints
Fraud Detection
AI-driven — synthetic ID, fraud ring, document fraud
Limited rule-based checks — fraud blind spots
Data Sources
Unified — Bureau, Bank, GST, CKYC, CERSAI, Govt
Fragmented — multiple vendors & manual lookups
Decision Consistency
100% consistent — AI applies same policy to all
Varies by credit officer — bias risk
Early Warning System
EarlySignal AI — real-time portfolio monitoring & NPA early signals
Reactive — identified post-NPA classification
Regulatory Compliance
DPDP + RBI aligned — consent + audit trail built-in
Manual compliance — audit gaps, RBI risk
Scale & Volume
10,000+ decisions/day — 99.9% uptime SLA
Bottlenecks at volume — headcount-dependent
Explainability
Full decision rationale — regulator-ready report
Limited — credit officer notes only
⚙️ API & Developer
Decentro-Level API
Credibility & Speed

Production-ready REST APIs with full documentation, sandbox credentials in 48 hours, and a dedicated integration engineer from Day 1.

🌐
Base URL
https://api.safemateplus.com/v1/
🔑
Authentication
Bearer Token (JWT) — per-client API key
📡
Webhooks
POST callbacks on decision completion
🔄
Async Support
Polling + webhook for long-running analysis
99.9%
Uptime SLA
<30s
Bureau API
24/7
P0 Support
Get Sandbox View Docs Talk to Solutions Team
REQUEST — Credit Intelligence Assessment
POST /v1/credit/assess
Authorization: Bearer {API_KEY}
Content-Type: application/json
{
"pan": "ABCDE1234F",
"mobile": "9876543210",
"loan_type": "personal_loan",
"loan_amount": 850000,
"tenure_months": 36,
"modules": ["bureau", "income", "bank_statement", "fraud"],
"consent": "Y"
}
● 200 OK — Assessment Complete
response_time: 9m 42s
{
"request_id": "smp_credit_2024xyz456",
"decision": "approved",
"ai_credit_score": 84.2,
"eligible_amount": 850000,
"cibil_score": 784,
"monthly_income": 124500,
"emi_obligations": 18200,
"cashflow_score": 82.1,
"fraud_flags": [],
"risk_level": "low",
"audit_trail_id": "at_2024_immutable_abc"
}
// ERROR CODES
400 — Invalid request
401 — Auth failed
422 — Consent missing
429 — Rate limited
🔒 Security & Compliance
Built for Regulated Lending Environments

Every architectural decision made with Indian regulatory requirements as the baseline — not bolted on after the fact.

🔐
AES-256 Encryption
All financial data and PII encrypted at rest with AES-256-GCM. Separate encryption key management per client tenant. Zero shared data architecture.
In Production
📋
Consent Architecture
DPDP Act 2023 compliant consent capture baked into every API call. Purpose-limited, timestamped, and linked to data principal ID. Consent withdrawal supported.
DPDP Aligned
🗓️
Immutable Audit Logs
Every credit decision, data fetch, consent record, and API call logged immutably with actor, timestamp, and data lineage. Exportable for RBI regulatory inspection.
RBI-Ready
👤
Role-Based Access Control
Granular RBAC with MFA enforcement and IP whitelisting. Zero-trust architecture — no internal service can access data outside its authorised scope.
Zero-Trust
🇮🇳
RBI-Ready Workflows
Credit decisioning workflows aligned to RBI Fair Practices Code, KYC Master Directions, and digital lending guidelines. Explainability report for every decision.
Compliance Documented
🌐
India Data Residency
All financial data processed and stored within Indian data centres. Zero cross-border transfer. Compliant with DPDP data localisation requirements and RBI storage norms.
India-Hosted
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Your Credit Decisions?

Book a 30-minute technical demo. See live credit intelligence API calls, walk through the full decisioning pipeline, and leave with sandbox credentials and integration timeline scoped to your lending product.

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