NPA · Book quality
Underwriting & cost of credit
Better underwriting, file by file. CAM in minutes: every deviation flagged by clause, before it becomes an NPA.
AI assembles the Credit Appraisal Memo from QC, PD, legal, bureau, banking & other sources. FOIR / LTV / bureau pre-computed; deviations routed to the right sign-off level. The credit manager edits, owns and signs.
CAM assembly: weeks → minutes. Draft CAM from 14 source artifacts in ~6 minutes.
TAT · File quality
Lead qualification & PD detailing
Every PD checked against your SOP: mandatory points covered, misses timestamped, summary auto-filed to the CAM.
PD Assist transcribes and translates the recording in any language, verifies every mandatory SOP checklist point, flags gaps for a follow-up call, and retains every interview for future credit models. Qualify harder at the top of the funnel.
45–60 min per file → 8 min of review.4–5× faster, same-day processing.
DPD · Recovery
Collections: the closed loop
Collections that start before the EMI bounces: early warning before DPD 30, every promise-to-pay tracked to closure, field visits routed by expected recovery.
Early-warning signals, PTP tracking and field routing, with voice agents that follow your SOP in the borrower's language: every word logged as evidence, every escalation to a person. Voice is in early access; we're taking on design partners.
Field visits routed by expected recovery, not alphabetically.
Opex · Productivity
Field productivity, churn & ops cost
Every branch performs like your best branch: officers work exceptions, not pages, and new hires are productive in days.
Document QC at 100% coverage, guided role-based workflows and maker-checker by construction. The platform is the training surface, so churn hurts less, and cost per file comes down without adding headcount.
75% less QC effort · 3× capacity freed · 83% less analyst time.
RBI · Audit
Compliance, sold as a feature
RBI has already written your board's questions: FREE-AI. We're the platform built the way the framework is written.
A row-by-row mapping against the FREE-AI framework's 7 Sutras and RE recommendations: native on human-in-the-loop, accountability, explainability and audit.
Every AI decision reconstructable: which file, which clause, which model, who signed.
Returns · IRACP
RBI reporting without the 2 a.m.
Returns assembled from source, not from spreadsheets: every figure traceable to the loan it came from, in one click.
Six lenses on one data layer: operations, portfolio, regulatory, liquidity / ALM, scorecards and what-if. Disbursements, PAR, Static Pool Analysis and more. "Which stage added the most days to TAT this month?" Answered before the meeting, not after it.
Reporting: weeks → near-real-time. Audit prep becomes retrieval, not reconstruction.
