AI Lending Intelligence Platform

The AI Operating System for Modern Lending

Empower banks, NBFCs and fintech lenders with AI-powered underwriting, fraud detection, portfolio monitoring and explainable credit decisions—all from a single platform.

Trusted by risk teams at

NBFC·COFINSERVMICRO·XDIGILEND

credistral.ai / underwriting

Live

Borrower Risk Score

Low risk · Approve

AI Recommendation

Approve · ₹8.5L @ 12.4%

Stable inflows, low EMI burden (18%), no fraud markers. Model confidence 94%.

Cashflow · Last 12 months

₹42.8L +18.4%

InflowOutflow

Fraud Alerts

Device mismatch

Velocity spike

KYC verified

2 warnings · 0 blockers

Portfolio Health

NPA · 1.2%+3.4%

EMI Burden Ratio

0%Healthy

Threshold · 40%

KYC + Bureau

Verified in 2.4s

Decision

4.1 minutes

Platform

One Platform. Complete Lending Intelligence.

Six interlocking capabilities that replace fragmented tools with one AI-native operating layer for credit.

AI Risk Engine

Real-time borrower risk assessment using financial behaviour.

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Fraud Intelligence

Detect suspicious transactions, identity anomalies and hidden risks.

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Underwriting Copilot

Generate explainable AI summaries for faster loan approvals.

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Portfolio Intelligence

Monitor portfolio health and identify early warning signals.

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Early Warning System

Predict repayment stress before defaults occur.

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Compliance & Explainability

Transparent AI decisions with detailed reasoning and audit trails.

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Live Product Preview

See every borrower, every loan, every signal.

A single glass panel across origination, underwriting, fraud, portfolio health and collections.

Underwriter Console

Priya Ramesh · Loan #CR-208934

In Review

Borrower Overview

Priya Ramesh

Salaried · IT Services · 6.2yr

Requested

₹8,50,000

Tenure

36 months

Bureau

771

FOIR

18%

Income vs Expenses

₹1.42L net

IncomeExpense

Risk Score

Cashflow Stability

Stable

Volatility

Low

Salary Streak

18 mo

Bounces

Fraud Alerts

Device fingerprint mismatch on last login

2m ago

Transaction velocity spike detected

14m ago

PAN + Aadhaar cross-verified

1h ago

EMI Burden

18%

22 pts below ceiling

Current EMI

₹8,400

New EMI

₹28,240

Approval Probability

0%High confidence

Cashflow92%

Bureau88%

Fraud96%

AI Recommendation

Model v4.2 · Explainable

Approve at ₹8,50,000 · 12.4% p.a. · 36 mo. The applicant shows consistent 18-month salary inflows (₹1.42L avg), FOIR at 18% (well within 40% policy), zero cheque bounces, and clean AA-verified banking history. Fraud module flagged 2 low-severity signals (device change, velocity spike) — both explained by recent job relocation.

Stable IncomeLow FOIRClean BureauAA VerifiedNo Bounces

Portfolio Health · Segment

Last 90 days

Total AUM

₹1,284Cr

+8.2%

NPA

1.2%

-0.4%

Approval Rate

62%

+3.1%