FINVIJ builds AI-powered credit decisioning for Indian Banks and NBFCs — origination, valuation, real-time decisions, and Ind AS 109 ECL on one fabric, with every score traceable, application to answer.
Deployed on-premise or in your private VPC — by design, not by retrofit. Zero data egress. Full DPDP compliance.
Trusted by South Indian Bank and Jana Small Finance Bank · Built on 25+ years of credit risk expertise
Approve, refer, or decline in under 300 ms — with SHAP reason codes and the audit record written before the response returns.
Ind AS 109 / IFRS 9 ECL, RBI-ready audit trails, and DPDP-compliant deployment inside your own perimeter.
A 1,500-entity lending ontology shared across origination, decisioning, and monitoring — no reconciliation layer, ever.
Risk policies live across hundreds of Excel files — no version control, no audit trail, no reproducibility when the regulator asks.
Adjusting a housing-loan policy takes 6–10 weeks across IT, risk, and BIU — while digitally native lenders reprice in days.
Provisioning runs offline from origination and monitoring — so Stage-2 surprises arrive every quarter, after the fact.
Cataloguing, modelling, ETL, BI, and decisioning from five different vendors — none of which speak the bank's language to each other.
One platform. One audit trail. One policy of record.
Evaluating alternatives? See how FINVIJ differs from rules engines, horizontal platforms, and cloud-only AI vendors →
The same journey, with FINVIJ and without.
Illustrative outcomes, six months post-deployment.
The production-grade decision engine: rules + AI models orchestrated into approve / refer / decline with pricing, limits, and SHAP reason codes — in under 300 ms.
Explore NirnayaStrategy trees with P&L per node, Ind AS 109 ECL, model monitoring, and the Ask Buddhi copilot — the operating system for the risk team.
Explore Pragna NEWBuild, validate, deploy, and monitor credit models — WoE scorecards to ML — with champion-challenger and governance built in.
ExploreWhere every loan begins: eKYC, document OCR, configurable rate cards and rules — with Samiksha AI drafting the CAM from six data sources.
ExploreGeo-fenced property capture, valuation workflows, and collateral monitoring for home loan and LAP portfolios.
ExplorePre-built application, behavioural, and collection scorecards for retail and MSME — deployable with performance tracking from day one.
ExploreCIBIL, Experian, CRIF, and Equifax normalised into one canonical view — tradeline analysis and credit summaries on tap.
ExploreAI runs through every layer of the platform: 280+ engineered features, 4-bureau normalisation, hybrid scorecard + ML scoring, Monte Carlo for thin-data portfolios — and a copilot that turns plain language into governed strategy trees and portfolio answers. Humans approve, always.
Illustrative interaction · every Q&A logged for governance
Why most banks are less ready for the RBI's ECL mandate than they think.
Unsecured slippages are a data architecture problem dressed up as a credit judgment problem.
Why Knowledge Graphs force institutions to encode what they know — before any AI project can succeed.
A credit decisioning platform automates the process of evaluating loan applications and making credit approval, pricing, and limit decisions. It combines business rules, credit bureau data, and AI/ML models to deliver faster, more consistent, and more accurate lending decisions than manual underwriting.
FINVIJ is purpose-built for Indian lending — native integrations to Indian credit bureaus (CIBIL, Experian, CRIF, Equifax), compliance with RBI guidelines and Ind AS 109 ECL requirements, and deep understanding of India-specific borrower segments including new-to-credit and thin-file customers.
All major retail and commercial lending products: personal loans, home loans, loan against property (LAP), vehicle finance, MSME lending, microfinance, credit cards, and business loans — each configurable with distinct decisioning logic.
PramanaRiskAI is FINVIJ's AI model development platform: build, validate, deploy, and monitor credit scoring models — from traditional scorecards to advanced ML — with built-in explainability, champion-challenger testing, and regulatory-grade model governance, powered by PySpark.
NirnayaDecisionAI is FINVIJ's real-time credit decision engine. It executes credit policies, orchestrates AI models, and delivers approve/decline/refer verdicts in under 300 ms — with full audit trails on every decision.
Pragna is FINVIJ's Decision Intelligence Suite — a complete analytics platform covering model monitoring, behavioural scoring, strategy trees, and Ind AS 109 / IFRS 9 compliant ECL with automated PD, LGD, and EAD estimation and stage classification.
Yes. FINVIJ's API-first architecture integrates with all major core banking systems, credit bureaus, document management systems, and existing data warehouses — on-premise or in your private cloud.
Yes. The platform is designed to comply with RBI's Digital Lending Guidelines, including disclosure, data privacy, and grievance redressal requirements. Decision audit trails and explainable AI features support regulatory examination.
In 8–12 weeks we can scope, build, and shadow-run a housing-loan acquisition strategy on your data — with full ECL roll-up.
