Credit Officer Intelligence Hub

Sanction With Confidence — Not Just Gut Feeling

Empower your appraisal workflow with end-to-end case management, forensic diagnostics, MPBF calculation, and AI-powered sanction memoranda — fully RBI-compliant.

Launch Case Workflow → View All Tools →

Trusted by 3,840 Credit Officers & Bank Appraisers across India

4-Step Workflow Pipeline

Streamline your entire credit appraisal process from intake to sanction.

Borrower Intake

Profile character, capacity, capital using Borrower Evaluator and Associate Mapper for group exposure.

CMA & Limit Assessment

Run CMA Generator + WC Assessment Engine to calculate MPBF via Nayak Method I & II.

Forensic Due Diligence

Forensic Scorecard + Bank Statement Analyzer + Operating Recaster for red-flag detection.

Sanction & Reporting

Loan Sanction Predictor verdict + Credit Officer Case Workflow auto-generates PDF memorandum.

Credit Appraisal Tool Suite

Everything you need to evaluate, structure, and approve credit proposals.

FEATURED

Credit Officer Case Workflow

End-to-end guided appraisal: Borrower Intake → CMA → WC Limit → Sanction Verdict → PDF Memorandum.

CMA Data Generator

Generate RBI-compliant CMA data — Form I Operating Statements, Form II Balance Sheets, Nayak Method I & II limits.

WC Assessment Engine

Evaluate working capital limits using Nayak Committee, MPBF Method II, and Cash Budget assessment models.

Forensic Scorecard

Detect circular trading, window-dressing, and cash siphoning patterns in financial statements.

Bank Statement Analyzer

Scan borrower PDF bank statements. Categorize transactions, verify averages, and flag non-operational circular flows.

Ratio Stress Simulator

Stress-test DSCR and Current Ratio by adjusting interest rates, inventory, and margins in real-time.

Operating Recaster

Isolate core operational profit from incidental windfalls to assess true business sustainability.

Loan Sanction Predictor

AI-driven probability scoring for loan approval based on 2026-compliant financial and behavioral metrics.

Structural Simulator

Stress-test Balance Sheets across 23+ transformations — asset shifting, debt repayment, write-offs.

Associate Mapper

Visualize group structures to detect circular funding and artificial net worth inflation.

BEP Interactive Engine

Simulate safety buffers with real-time break-even graphs for units and turnover.