Module · Individual Lending

Underwrite every
individual loan
with proof.

Finpage's IL module drives rule-engine underwriting, multi-bureau credit pulls, income verification, and automated decisioning — built for NBFCs running unsecured, MSME, and small-ticket business loans.

Multi-bureau: CIBIL · Experian · CRIF · Equifax
Bank Statement Analyzer
GST & ITR parsing
Auto · STP · manual queues
BRE · APPLICATION · IL-2026-04821
DECISION · 1.4s
RS
Rajesh Singh
BUSINESS LOAN · Tenure 36m
₹5,00,000
CIBIL score IL_BRE_001 · ≥ 720
768
FOIR IL_BRE_004 · < 50%
42.6%
Bank avg. balance IL_BRE_007 · ≥ ₹25K
₹38,420
Bounce count · 6m IL_BRE_012 · ≤ 2
2 (soft flag)
GST turnover · 12m IL_BRE_015 · ≥ ₹24L
₹31.4L
Verdict
Approved · STP
OFFER: ₹5,00,000
ROI: 18.5% · TENURE 36m
EMI: ₹18,214
Origination journey

From lead capture to disbursal.

Every step instrumented. Every decision audited. Every handoff traceable.

01
Sourcing

DSA, branch walk-in, digital lead capture, referral partner APIs.

02
KYC & PAN Validation

Aadhaar e-KYC, PAN-NSDL match, liveness check, deduplication.

03
Bureau Pulls

Multi-bureau parallel queries — CIBIL, Experian, CRIF, Equifax.

04
Income Proofs

Bank statement analyzer, GSTIN, ITR parsing, salary slip OCR.

05
BRE Run

Rule engine evaluates eligibility, scorecard, offer generation.

06
Offer & e-Sign

Digitally signed sanction letter, e-NACH mandate, Aadhaar e-sign.

07
Disbursal

NEFT/IMPS payout, loan activation, CIC reporting, welcome kit.

The rule engine

Your credit policy, in one auditable place.

No Excel sheets emailed between credit and ops. No hardcoded IF-ELSE trees buried in code. No "why did we approve that one?" in the audit review.

Finpage's BRE is a versioned, testable, observable rule engine. Credit teams author policies in a visual builder or JSON DSL. Rules are version-controlled with approvals. Every application preserves the exact rule-set version that decisioned it — forever.

Simulation mode lets you backtest a proposed rule against 6 months of historical applications before promoting it. A/B rollouts split traffic between rule versions with live win/loss tracking.

POLICY · IL_BUSINESS_LOAN_V17 ACTIVE
// IL Business Loan — v17 · 2026-04-08
policy IL_BUSINESS_LOAN {
  when applicant.loan_type == "BUSINESS"

  require {
    bureau.cibil          >= 720
    bureau.dpd_30_12m    <= 0
    bureau.enquiries_90d <= 4
    financial.foir        <= 0.50
    banking.avg_balance  >= 25000
    gst.turnover_12m     >= 2400000
  }

  soft {
    banking.bounces_6m   <= 2    "flag"
    gst.filing_gap_days <= 45   "flag"
  }

  offer {
    amount:  min(500000, scorecard.sanction)
    roi:     tier_map(bureau.cibil)
    tenure:  [12, 24, 36, 48]
  }

  route {
    if all_hard_pass && !any_soft_flag   "STP"
    elif all_hard_pass                   "CO_REVIEW"
    else                                   "REJECT"
  }
}
Data sources

Every bureau. Every income stream.

Parallel queries across all four Indian bureaus. Bank statement analyzer, GST crawler, ITR parser, Perfios/Finbox integrations — all feeding the BRE in a single decision.

TransUnion CIBIL
Avg. response420ms
Coverage100%
Experian Credit
Avg. response510ms
Coverage100%
CRIF High Mark
Avg. response380ms
Coverage100%
Equifax Credit
Avg. response560ms
Coverage100%
INCOME SOURCE
integrations
Bank Statement
GSTN Crawler
ITR Parser
AA Consent
Module capabilities

Everything your credit team actually needs.

Versioned policies

Every rule change goes through author → review → approve → promote. Versions are immutable. Every application carries the exact version that decisioned it.

Live decisioning

BRE evaluates a complete ruleset in <50ms. End-to-end including bureau calls, bank analysis, and offer generation typically under 2 seconds.

Backtesting & simulation

Test a candidate policy against 6–12 months of historical applications. See approval rate shifts, adverse-selection changes, and PD migration before promoting.

Bureau orchestration

Parallel bureau pulls with response aggregation. Automatic retries, circuit breakers, cache-control per regulator rules.

Bank statement analyzer

In-house BSA ingests PDFs, e-statements, AA data. Extracts 120+ features — recurring inflows, bounces, EMI commitments, business-day balance.

GSTN & ITR integration

Direct GST crawler for turnover, filing discipline, return history. ITR-U parsing for salaried and professional segments.

Queue routing

Applications auto-routed to STP, credit-ops review, or reject based on policy outcome. Manual queues support re-routing, co-maker additions, document re-requests.

Offer & counter-offer

Generate digital sanction letters. Applicant can counter — change tenure, amount, interest structure. System recalculates BRE eligibility automatically.

Immutable audit trail

Every decision, every override, every rule-set version logged with signed timestamps. Inspector-ready audit reports exportable in seconds.

1.4s
Median end-to-end decision time, including all bureau pulls
71%
Straight-through-processing rate on seasoned IL portfolios
280+
Rule parameters available across bureau, banking, GST, demographics
17
Currently-active rule-set versions in production at one large NBFC
Other loan products

Explore other Finpage modules.

Run your credit policy on Finpage.

We'll encode your current credit policy into the BRE and run it live against real applications — in a 30-minute session on a sandbox connected to your bureau credentials.