Manage Your Branch Portfolio — Before the Auditors Do
Monitor borrower health across your entire branch portfolio. Detect NPA signals early, track drawing power utilization, verify financial compliance, and stay ahead of RBI asset classification norms.
Automated Portfolio Monitoring
The Branch Portfolio Surveillance Workflow
Portfolio Screening
Detect early warning red flags and margin pressures using Trend Engine & Forensic Scorecard.
Drawing Power Review
Audit stock statements via Drawing Power Simulator to check margins and aging limits.
Stress Testing
Test borrower DSCR sensitivity against interest rate hikes and raw material surges.
Compliance & IRAC
Ensure branch audit readiness using Basel III calculators & NPA provisioning guides.
Branch Toolkit
Appraisal & Monitoring Utilities for Branch Managers
Saved Reports Manager
View your saved reports, track client submissions, verify eligibility scores, and re-open files instantly.
Forensic Red Flag Scorecard
Scan financial statements for circular trading, capital cycling, and balance sheet dressing.
Open Scorecard →Trend Detection Engine
Isolate revenue trends, margin contraction, and working capital cycles from multi-year records.
Open Trend Engine →Drawing Power Simulator
Calculate drawing power based on inventory, paid stock, and book debt aging reports with bank margins.
Calculate DP →Ratio Stress Simulator
Simulate DSCR, current ratio, and leverage metrics under stress conditions (interest hikes, margin drop).
Stress Test Ratios →Asset Quality Analyzer
Evaluate inventory aging and debtor haircuts to find the true liquidation value of current assets.
Analyze Asset Quality →Bank Statement Analyzer
Scan account statements to isolate non-operational flows, cash siphoning, and round-tripping.
Analyze Statement →Structural Position Simulator
Simulate balance sheet adjustments across 23+ restructuring and stress scenarios in real-time.
Open Simulator →Capital Adequacy (CRAR) Calculator
Check CET1, AT1, and Tier 2 capital requirements against RWA per Basel III norms.
Calculate CRAR →NPA Provisioning Mastery
Access RBI-compliant asset classification guidelines, provisioning norms, and IRAC circulars.
View Guide →Credit Monitoring Module
Learn methods of credit monitoring, follow-up procedures, and early warning detection frameworks.
Enter Module →Syllabus & Training
Branch Risk Management Library
Performance Comparison
Compare Portfolio Surveillance
| Appraisal Metric | CredWisdom Hub | Manual Inspection | Core Banking Reports |
|---|---|---|---|
| Early Warning NPA Detection | Live Red Flag Engine | Reactive after default | Month-end static reports |
| Drawing Power Audits | Real-time Stock Margin simulation | Manual paper statement check | No built-in calculator |
| DSCR Stress Simulation | Instant rate hike simulator | None / Static appraisals | Static financial records only |
| IRAC Audit Readiness | RBI Provisioning Engine | Search through PDF circulars | No built-in guide |
| Portfolio Save & Recall | Save all client files online | Files kept on paper / local folders | Varies by core system |
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