Agentic Credit Decisioning for India
Your Credit Policy. Enforced by AI. Proven in Every File.
AI agents that analyse borrowers, verify financials, and recommend - so your credit team closes files in hours, not days. Every decision traceable, every calculation auditable, every step within policy.
Pillar 01 - Traceability
From Decision to Document. One Click.
Know exactly where every data point came from. AgenticLending deep-links every extracted figure - revenue, DSCR, leverage ratio - directly back to the source document, with the exact passage highlighted. No more hunting through 200-page CAM files or reconciling figures across ITRs, audit reports, and bank statements.
Benefit
Your credit team spends less time verifying inputs and more time on credit judgment. Audit trails are automatic - every figure is defensible on the spot.
Pillar 02 - Reasoning
AI That Shows Its Work.
Every ratio, every calculation, every credit conclusion comes with the formula and the logic that produced it. AgenticLending doesn't hand you a score - it hands you the reasoning. Your analysts can follow, challenge, or override any step. Your risk committee can read the work, not just the output.
Benefit
Pass internal audits and board reviews with full documentation of how every credit decision was reached. No black-box AI. No unexplained recommendations.
Pillar 03 - Natural Language AI
Ask Your Credit File Anything.
Talk to your deal data the way you'd talk to your best analyst. Query any financial statement, ask “what's the net cash flow after debt service across the last three years?”, get structured, cited answers in seconds. AgenticLending's natural language interface works at every stage - from document ingestion and financial spreading to credit memo generation.
Benefit
Junior analysts ramp faster. Senior analysts work faster. Underwriting velocity increases without adding headcount.
Pillar 04 - Infosecurity
Your Borrower Data Doesn't Leave the Room.
Your credit analysts are already using AI on borrower data - your CISO just doesn't know it yet. CIBIL scores, GST returns, and borrower bank statements are flowing into personal AI accounts daily, with zero audit trail and no way to recover them. AgenticLending runs AI reasoning inside your security perimeter - your teams keep the edge, your data never leaves the room.
Benefit
Built for institutions that answer to regulators. Every AI interaction with borrower data is captured in a tamper-evident audit log. Access is governed by role, not by who has a personal ChatGPT subscription. Your CISO gets visibility, your compliance team gets documentation, and your credit analysts keep the productivity gains - without the risk.
The Problem
Manual Credit Decisioning Is Costing You More Than You Think.
Indian commercial lenders process thousands of applications monthly through fragmented workflows - scattered spreadsheets, manual bureau pulls, inconsistent analyst judgement, and audit trails stitched together after the fact.
Every delayed decision is a lost customer. Every inconsistent assessment is regulatory risk waiting to surface.
Our Approach
Replace Workflows with Intelligence.
Agentic Lending deploys specialised AI agents across your entire credit decisioning pipeline. Each agent has a defined role, verified data sources, and auditable reasoning.
Data Ingestion Agent
Pulls financials, bureau reports, GST data, bank statements, and MCA filings automatically.
Analysis Agent
Performs ratio analysis, cash flow modelling, and peer benchmarking across the applicant financial profile.
Risk Scoring Agent
Applies your institution’s credit policy with deterministic scoring — no hallucinations, no drift.
Recommendation Agent
Generates a structured credit memo with reasoning chain, risk flags, and recommended terms.
Four agents. One pipeline. Every decision explained.
Platform Capabilities
Intelligence at Every Stage of Credit Decisioning.
From document ingestion to final recommendation - purpose-built modules that work together as one intelligent pipeline.
Composite Credit Scoring
Deterministic composite scores combining CIBIL bureau, GST filing health, ITR income verification, and bank statement cash flows. Configurable weights per product type - working capital, term loans, LAP.
AI Chat for Credit Analysis
Natural language querying across all deal documents - ITRs, bank statements, bureau reports, MCA filings. Get cited, sourced answers and generate credit memos from conversation.
Risk Intelligence Engine
40+ financial ratios, early warning signals, NPA probability estimation, and RBI regulatory asset classification. 100% policy clause traceability - zero black-box components.
Regulatory Compliance
RBI Fair Practices Code, IRAC norms, KYC/AML, DPDPA alignment, NHB directives, and NBFC Master Direction. Immutable 7-year audit retention with real-time log generation.
See AgenticLending on Your Deal Data.
Book a 30-minute discovery call. We'll walk you through the platform using your actual credit workflows - not a generic slide deck.
Why India. Why Now.
Purpose-Built for the Complexity of Indian Commercial Credit.
RBI-Ready Compliance
Every workflow maps to RBI Fair Practices Code and IRAC norms. Audit trails are generated automatically — not reconstructed.
Bureau-Native Integration
Direct integration with CIBIL, Equifax, CRIF High Mark, and Experian India. No middleware. No manual pulls.
Indian Financial Data Fluency
Reads GST returns, ITR filings, bank statements (all Indian formats), MCA filings, and CERSAI records natively.
Multi-Lingual Document Processing
Processes financial documents in English, Hindi, and regional languages common in commercial lending documentation.
Architecture
Your Stack. Our Intelligence.
Agentic Lending sits alongside your existing Loan Origination System and Core Banking Solution. No migration. No rip-and-replace. Deploy as an API layer that enriches your existing workflow with agentic intelligence.
For Developers
API-First. Developer-Friendly. Production-Ready.
Integrate agentic credit intelligence into your existing systems with a clean REST API, comprehensive documentation, and a sandbox environment for testing.
REST API
Full OpenAPI 3.0 specification. Submit applications, retrieve scoring results, and manage workflows programmatically.
Sandbox Environment
Test with sample Indian financial data - GST returns, ITR filings, bureau reports. No production data required to get started.
Webhooks & Events
Real-time notifications for application status changes, scoring completions, and risk flag triggers. Encrypted transit with HMAC verification.
Auth & Security
JWT-based authentication, role-based access control, and encrypted data at rest and in transit. SOC 2 Type II compliant.
On-Premise Deployment
Deploy within your own infrastructure. Docker containers, Kubernetes-ready. Your borrower data never leaves your network perimeter.
Documentation
Comprehensive API reference, integration guides, and code samples. Get from zero to first API call in under 15 minutes.
For Your Team
For Technology Leaders
“Deploy production-grade agentic credit workflows in weeks, not quarters.”
- -API-first, headless architecture
- -Configurable agent policies and credit rules
- -Sandbox environment for testing
- -Comprehensive API documentation
- -Integrate with any LOS via REST
For Business Leaders
“10x your credit throughput without 10x your team.”
- -85% reduction in credit decisioning TAT
- -60% lower cost per decision
- -Zero manual data entry
- -Complete audit trail for every decision
- -Board-ready analytics dashboard
See It In Action
The Platform. Live. Not Slides.
AgenticLending is in production. Every screen below is from the live platform running at app.agenticlending.in.
LivePortfolio Dashboard
Portfolio-level view: active deals, TAT metrics, risk distribution, and agent activity at a glance.
LiveDocument Analysis
Deep-linked extraction - every figure highlighted in its source document. One click from ratio to original text.
LiveCredit Scoring
Full scoring breakdown with formula, weightings, and policy-clause mapping. Every output is auditable and challengeable.
LiveApproval Workflow
Structured credit memo with AI-generated recommendation, risk flags, and workflow routing for your approving authority.
No commitment. No sales call required.
Trusted By
Trusted by Leading Lending Institutions Across India.
Banks, NBFCs, small finance banks, and housing finance companies doing commercial and MSME lending.
“We cut our MSME loan TAT from 11 days to under 36 hours. The traceability feature alone saved our audit team weeks of reconciliation work during the last RBI inspection.”
Head of Credit Underwriting
Mid-size NBFC, Maharashtra
“Our analysts were sceptical about AI in credit - but after two weeks on the pilot, they were the ones pushing for a full rollout. The natural language interface changed how they think about the data.”
Chief Risk Officer
Small Finance Bank, South India
“Integration with our Finacle instance took three days. The REST API is clean, the documentation is thorough, and the implementation team knew exactly what they were doing with CBS data flows.”
Head of Technology
Private Sector Bank, North India
See Your Credit Workflow Reimagined.
Run a structured 60-day pilot with 100 live decisions at no cost - or book a 30-minute discovery call and see the platform on your actual deal data.
Platform is live at app.agenticlending.in