IndiaLending
Faster loan decisions across a national branch network
For a listed Indian lender with ₹59,000 crore+ under management and 245 branches, we are building AI agents that read, check, and prepare every loan file for a credit officer.
- Client
- A listed Indian lender with ₹59,000 crore+ under management and 245 branches
- Sector
- Lending · India
- Dates
- 2025–26
- Headline result
- Faster, consistent decisions across every branch
The problem
Every loan application arrives as a stack of documents — IDs, bank statements, property papers, income proof. Staff read them, check them against lending policy, and re-type the details into other systems. It is slow, and two branches can read the same file differently.
What we built
AI agents that read each document, pull out the details, check them against the lender’s policy, flag anything missing or inconsistent, and hand the credit officer a prepared case with a clear recommendation.
What changed
Credit officers spend their time deciding, not reading — and every branch applies the same policy the same way.
How it works
- 1
Read
agents extract the details from every document in the file, in English and regional formats.
- 2
Check
each detail is tested against the lender’s written policy and cross-checked between documents.
- 3
Prepare
the credit officer receives one summary: what’s there, what’s missing, what looks wrong, and a recommendation.
- 4
Decide
the credit officer makes every lending decision; the AI never approves a loan on its own.
Results
What it delivers.
No document skipped, no detail re-typed by hand
Policy applied consistently across the network
Credit officers make every lending decision
“The goal isn’t to replace the credit officer. It’s to make sure they never again spend an afternoon re-typing a bank statement.”
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