Platform Capabilities

Intelligence at every layer.

Six capabilities built to surface what matters — not just what's measurable.

ANALYSIS

Every account. Every signal. One complete picture.

Surface the full depth of a financial profile — active loans, closed accounts, lender history, and account-level status — in a single structured view.

ACCOUNT OVERVIEW4 ACCOUNTSHome LoanHDFC BankACTIVEPersonal LoanBajaj FinanceCLOSEDCredit CardICICI BankACTIVEAuto LoanKotak MahindraOVERDUE
BEHAVIOR

See exactly how payments have been made — month by month.

Track DPD patterns, missed EMIs, and consistency trends across the full repayment history to understand behavior, not just outcomes.

PAYMENT HISTORY — 36 MONTHSJanFebMarAprMayJunJulAugSepOctNovDec202420232022On Time30 DPD60 DPDMissedCONSISTENCY TREND
RISK

Flag write-offs, defaults, and anomalies before they define the profile.

Our engine surfaces write-offs, settlements, enquiry spikes, and delinquency patterns with severity context — not just raw flags.

RISK SIGNAL FEED3 CRITICALWrite-off detectedBajaj Finance — 2023HIGHEnquiry spike7 enquiries in 45 daysMEDIUMSettlement flagICICI — partial settlementHIGHDPD pattern60+ DPD on 2 accountsMEDIUMAccount age dropOldest account closedLOW
UTILIZATION

Know when credit usage crosses into over-leverage territory.

Break down utilization per card and overall — with automatic detection of accounts pushing past the safe threshold.

CREDIT UTILIZATION BREAKDOWNOverall Utilization60%HIGH30% safe zoneICICI Platinum78%!HDFC Millennia42%Axis Ace91%!SBI SimplySave29%
IMPROVEMENT

A concrete roadmap — not a score and a shrug.

Every analysis ends with a prioritized action plan: what to fix, in what order, and how long each step realistically takes.

IMPROVEMENT ROADMAP4 ACTIONS01Reduce credit card utilization below 30%HIGH IMPACT30 days02Avoid new loan enquiries for 90 daysMEDIUM90 days03Clear overdue EMI on Kotak Auto LoanHIGH IMPACT15 days04Keep oldest credit card activeLOWOngoing
PARTNERS

Professional-grade reports built for DSAs, CAs, and advisors.

Generate client reports, track approval outcomes, and manage your entire book from one clean dashboard — built for professionals who work at scale.

Partner DashboardDSA Pro — ActiveLIVEReports Generated142Approved89Pending31RECENT CLIENT REPORTSRRajesh KumarHome LoanAPPROVEDPPriya SharmaPersonal LoanREVIEWAAmit VermaBusiness LoanAPPROVEDSSunita PatelCredit CardDECLINED
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