How Institutions Transformed Their Credit Operations.

Challenge

A mid-size NBFC processing 2,000+ MSME loan applications monthly was losing borrowers to faster competitors. Manual credit assessment took 7-10 days, with inconsistent quality across branches.

Solution

Deployed the full agentic pipeline with GST-based turnover verification, automated bureau pulls, and deterministic risk scoring mapped to the institution's credit policy.

Results

• —TAT reduced from 7 days to under 8 hours
• —60% reduction in cost per credit decision
• —Consistent assessment quality across all branches
• —Zero audit findings in subsequent RBI inspection

Challenge

A regional NBFC with a Rs 1,200 Cr MSME portfolio was facing rising NPAs (4.8%) driven by inconsistent risk assessment across its 35 branches. Credit officers relied on manual spreadsheet analysis of GST returns and bank statements, leading to missed early-warning signals. The compliance team spent 3 weeks per quarter preparing audit documentation retroactively.

Solution

Deployed AgenticLending's full pipeline with focus on portfolio quality improvement: automated GST turnover trend analysis across 36 months, bank statement cash flow modelling with seasonality detection, CIBIL score tracking with velocity alerts, and deterministic risk scoring calibrated to the institution's sectoral exposure limits. The Risk Scoring Agent was configured to flag concentration risk and declining turnover patterns that manual review consistently missed.

Results

• —NPAs reduced from 4.8% to 3.8% within two quarters
• —Early-warning detection improved — 73% of stress cases flagged before first EMI default
• —Credit assessment consistency score rose from 61% to 97% across branches
• —Quarterly compliance documentation automated — from 3 weeks to same-day generation
• —Underwriting capacity increased 4x without additional credit officers

Challenge

A housing finance company needed to scale from 500 to 3,000 home loan applications monthly without proportional headcount growth. Property valuation and title verification were the biggest bottlenecks.

Solution

Implemented property-aware credit analysis with automated title chain verification, builder risk scoring, and integrated RERA compliance checks alongside standard borrower assessment.

Results

• —6x increase in processing capacity with same team size
• —Property + borrower analysis completed in single pipeline run
• —Builder risk scoring prevented 3 high-risk project exposures
• —NHB compliance fully automated

Challenge

A scheduled commercial bank with 200+ branches had significant variation in credit assessment quality. Audit findings repeatedly flagged inconsistent application of credit policy across branches.

Solution

Rolled out agentic credit decisioning across all branches for commercial term loans and working capital. Integrated with existing Finacle CBS and LOS infrastructure.

Results

• —100% policy compliance across all branches
• —Audit trail coverage improved from ~40% to 100%
• —Credit committee preparation time reduced by 75%
• —Consistent risk scoring eliminated branch-level variation