Assess SME borrowers through cash flow in three minutes.
Saarathi reads bank statements, GST filings, and UPI patterns for NBFCs, helping capable borrowers avoid rejection when bureau history is missing.
Bureau scores exclude seven in ten micro-business applicants. Many can still repay.
India's small businesses face a persistent funding gap: bureaus lack enough data to assess them, and lenders lack practical ways to look past a bureau score.
of Indian MSMEs lack bureau history, leaving them outside traditional underwriting. Source: public RBI and SIDBI sector data ranges.
of NBFC loan rejections stem from thin or missing bureau files rather than proven repayment risk. Source: NBFC industry body aggregated surveys.
average NPA rate at NBFCs using bureau scores alone for SME portfolios, compared with lower rates when cash flow adds context. Source: public NBFC disclosures, range estimate.
One API. The alternative signals behind SME credit behavior.
Your credit team connects the three-step workflow in one day and receives outputs written in language familiar to its credit committee.
Connect
Connect your NBFC's LOS to the Saarathi API in one day. Consent-backed borrower data then enters the workflow.
Analyze
Saarathi reviews 90 days of cash flow, invoice frequency, GST filing regularity, and UPI usage to assess genuine repayment capacity.
Decide
Receive a risk score and credit narrative in under three minutes, with the bureau score where available, ready for your appraisal memo.
Comply
Each decision records its leading signals in writing, helping with RBI audit requirements and internal credit committee review.
NBFC credit workflows, not generic AI output.
Saarathi is not a generic ML scoring API. It uses Indian NBFC data sources and produces the format credit committees need when reviewing a loan.
- Data from bank statements, GST, UPI, and invoices
- Explainable models for RBI compliance review
- API-first integration with any LOS in one day
- Scoring controls matched to your credit policy
Results from early NBFC pilots.
3 NBFC partners supplied performance data across a 90-day early-access cohort. Based on internal pilot data.
Pricing for NBFC portfolios.
Monthly billing, no setup fee, cancel anytime. Choose the tier matching portfolio volume.