Aarambh means the beginning. The moment an application lands — home loan, LAP, SME, gold, personal — three things start at once: Nirnaya returns a go/no-go in milliseconds, MoolyaAI begins valuing the collateral, and Samiksha starts the detailed credit analysis. By the time anyone opens the file, it has done its homework.
Deployed inside the bank's own perimeter — zero data egress, full DPDP compliance.
Illustrative journeys · click the tabs — each product runs its own configured flow.
An underwriter's morning today: pull four bureaus, download GST returns, spread twelve months of bank statements, retype it all into a memo. Samiksha does that reading before the file opens — and drafts the CAM your credit manager reviews instead of writes.
The old workflow buried your best credit minds under assembly — a day spent collating, an hour spent deciding. Here the file opens complete: six sources read, ratios computed, CAM drafted. Reviewing, deviating, querying — judgment is the whole job again.
Salaried co-applicant structure with stable GST turnover and clean repayment history. One EMI bounce (May) explained by salary-date shift — flagged, not fatal. Collateral cover comfortable at LTV 68%.
Illustrative workbench · Samiksha drafts, your credit manager decides.
On most origination platforms, a new product is a change request that ages into a project — months of vendor dependency for a flow your risk team designed in a week. On Aarambh, journeys, rate cards, rules, and approval hierarchies are configuration your own tech team owns.
Tiered pricing by product, score band, and LTV — repriced by the business, live the same day.
Eligibility, knock-outs, and routing composed from readable conditions — by risk, not by IT.
4-eye control and deviation matrices wired in by default — every override owned and logged.
See AarambhLOS take a home-loan application from first click to Samiksha CAM to sanction — on your policies.
