Credit assessment platform is an innovative decision-making platform that simplifies lending decision-making and credit analysis. It helps banks, NBFCs and other financial firms in monitoring and responding to risk parameters & examining the creditworthiness of the borrowers using various data sources such as income tax returns, bank statements and GST data.

Data sources
  • GST Portal
  • ITR
  • Bank statement
Required from user
  • Pan or GSTIN or GST username
  • ITR in XML or PDF
  • Statement in PDF, scanned or JSON form
Extraction method
  • Government API
  • Manual upload in XML format
  • Manual upload Or Net banking pull
Bank portal


(of all the data for cross validation of financial data)

Rapid decision making

Basis of predefined eligibility criteria



Case Study

How India’s largest TReDS platform reduced their Trade Financing efforts with Credit Assessment and Decisioning Platform?


The credit assessment refers to inspecting the borrower’s loan application to check its financial health and ability to generate necessary cash flows to service the debt.

The creditworthiness of the borrower is determined by evaluating and verifying the financial information provided by the borrower.

Data sources such as GST data, income tax returns & bank statements is generally used.


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