The fastest credit evaluation platform for India's lending ecosystem. Extract 825+ credit features from 7 bureau formats, bank statements, and Account Aggregator (AA) data. Real-time credit intelligence with optimal lending limits. Under 30ms. One API.
825+
Credit Features
<30ms
Latency
7
Bureau Formats
99.9%
Uptime SLA
Bureau ingestion, feature extraction, and ML decisioning — unified into a single API call.
Connect to all 7 major Indian credit bureaus through a single endpoint. Auto-detect format, normalize data, and handle parsing. Supports softpulls, hardpulls, JSON, and XML.
825+ credit features extracted in milliseconds. Covers tradeline analysis, payment patterns, delinquency history, financial ratios, and credit utilization.
ML-powered scoring with configurable risk grades. From raw data to APPROVED/DECLINED in under 30ms. Live merchant dashboard to monitor all decisions.
Plug in any major Indian credit bureau. We handle everything else — normalization, parsing, feature extraction.
India's largest credit bureau. Default format with comprehensive coverage.
Standard CRIF format with automatic tradeline remapping.
Enhanced data model with extended attribute coverage.
Full credit pull with semantic key mapping built in.
Experian soft inquiry with key normalization.
Legacy XML format with full parsing support.
Equifax soft inquiry with field mapping.
Everything you need to evaluate credit at production scale, out of the box.
Credit features — ready to use
Pre-built credit features covering tradeline analysis, payment history, financial ratios, delinquency patterns, and more. No feature engineering required on your end.
End-to-end latency. From raw bureau data to scored decision. Fastest in the market.
All bureau data is encrypted end-to-end. Even we cannot access your data without an API key — and we don't have one. CIBIL reports, credit scores, tradeline data — it's all encrypted and visible only to you. No data ever leaves your infrastructure.
HMAC signing + API keys.
Per-merchant controls.
Safe request retries.
Real-time event alerts.
Full compliance logging.
Always returns a response.
From bureau data to credit decision in one API call.
Send raw credit bureau data via a single API endpoint. We support all 7 major Indian bureau formats out of the box.
RESTful. Versioned under /v1/. Postman collection included.
End-to-end credit infrastructure for lenders, NBFCs, and fintechs.
One API for CIBIL, CRIF, Experian, and Equifax. Softpulls, hardpulls, JSON, and XML through a single endpoint.
825+ features with ML-powered scoring. Configurable risk grades (A+ to D), affordability models, and auto model versioning.
Feature extraction, scoring, and decisioning in a single API call. Sub-30ms end-to-end. No cold starts. Configurable approval thresholds and risk appetite settings.
Live dashboard to monitor credit decisions in real-time. Track approval rates, score distributions, bureau response times, and API usage per merchant.
Understand why a decision was made. The Explain endpoint returns human-readable reasoning for every score. Available as an external API call with batch support.
HMAC authentication, rate limiting, idempotent requests, webhook notifications, and full audit trails. IP whitelisting and key rotation.
13+ audit event types. Input sanitization against XSS, SQL injection, and path traversal. End-to-end encrypted data handling.
Deploy on your infrastructure with Docker. PostgreSQL + Redis stack. Your data never leaves your network. Full data sovereignty.
Enhanced credit assessment combining bureau data with banking insights. Advanced underwriting engine with comprehensive financial behavior analysis and risk profiling.
Seamless bank account aggregation via RBI-licensed AA ecosystem. Access real-time transaction data, balance history, and cash flow analytics. Calculate optimal lending limits based on actual financial behavior and repayment capacity.
Bureau data to credit decisions in days, not months. Get in touch for pricing and demo access to our merchant dashboard.