Finpage's IL module drives rule-engine underwriting, multi-bureau credit pulls, income verification, and automated decisioning — built for NBFCs running unsecured, MSME, and small-ticket business loans.
Every step instrumented. Every decision audited. Every handoff traceable.
DSA, branch walk-in, digital lead capture, referral partner APIs.
Aadhaar e-KYC, PAN-NSDL match, liveness check, deduplication.
Multi-bureau parallel queries — CIBIL, CRIF, Equifax.
Bank statement analyzer, GSTIN, ITR parsing, salary slip OCR.
Decisioning engine evaluates eligibility, scorecard, offer generation.
Digitally signed sanction letter, e-NACH mandate, Aadhaar e-sign.
NEFT/IMPS payout, loan activation, CIC reporting, welcome kit.
No Excel sheets emailed between credit and ops. No hardcoded IF-ELSE trees buried in code. No "why did we approve that one?" in the audit review.
Finpage's BRE is a versioned, testable, observable rule engine. Credit teams author policies in a visual builder or JSON DSL. Rules are version-controlled with approvals. Every application preserves the exact rule-set version that decisioned it — forever.
Simulation mode lets you backtest a proposed rule against 6 months of historical applications before promoting it. A/B rollouts split traffic between rule versions with live win/loss tracking.
// IL Business Loan — v17 · 2026-04-08 policy IL_BUSINESS_LOAN { when applicant.loan_type == "BUSINESS" require { bureau.cibil >= 720 bureau.dpd_30_12m <= 0 bureau.enquiries_90d <= 4 financial.foir <= 0.50 banking.avg_balance >= 25000 gst.turnover_12m >= 2400000 } soft { banking.bounces_6m <= 2 → "flag" gst.filing_gap_days <= 45 → "flag" } offer { amount: min(500000, scorecard.sanction) roi: tier_map(bureau.cibil) tenure: [12, 24, 36, 48] } route { if all_hard_pass && !any_soft_flag → "STP" elif all_hard_pass → "CO_REVIEW" else → "REJECT" } }
Parallel queries across all four Indian bureaus. Bank statement analyzer, GST crawler, ITR parser, Perfios/Finbox integrations — all feeding the BRE in a single decision.
Every rule change goes through author → review → approve → promote. Versions are immutable. Every application carries the exact version that decisioned it.
BRE evaluates a complete ruleset in <50ms. End-to-end including bureau calls, bank analysis, and offer generation typically under 2 seconds.
Test a candidate policy against 6–12 months of historical applications. See approval rate shifts, adverse-selection changes, and PD migration before promoting.
Parallel bureau pulls with response aggregation. Automatic retries, circuit breakers, cache-control per regulator rules.
In-house BSA ingests PDFs, e-statements, AA data. Extracts 120+ features — recurring inflows, bounces, EMI commitments, business-day balance.
Direct GST crawler for turnover, filing discipline, return history. ITR-U parsing for salaried and professional segments.
Applications auto-routed to STP, credit-ops review, or reject based on policy outcome. Manual queues support re-routing, co-maker additions, document re-requests.
Generate digital sanction letters. Applicant can counter — change tenure, amount, interest structure. System recalculates BRE eligibility automatically.
Every decision, every override, every rule-set version logged with signed timestamps. Inspector-ready audit reports exportable in seconds.
We'll encode your current credit policy into the BRE and run it live against real applications — in a 30-minute session on a sandbox connected to your bureau credentials.