AI Credit Ecosystem

Build and scale intelligent credit infrastructure — from underwriting to monitoring — powered by AI, alternate data, and Digital Public Infrastructure rails.

Credit Intelligence

AI-driven infrastructure for risk, underwriting, and portfolio performance.

AI Underwriting Engine

Evaluate borrowers with 360° intelligence — combining financial, behavioral, and alternate data. Plug-and-play models for MSME, retail, and supply chain credit.

Early Warning System (EWS)

Predict defaults before they happen. Continuous risk scoring, portfolio drift detection, and ML-based alerts on borrower health.

Fraud Detection

Catch anomalies in real-time using multi-source behavioral and transactional data. Built-in pattern recognition and ML models tuned for Indian MSME credit patterns.

Data Infrastructure

Unified data connectivity across DPI and private sources.

Account Aggregator Connect

Access consent-based financial data securely across banks and NBFCs. One API for all AAs, standardized, secure, and auditable.

ONDC Gateway

Power embedded credit journeys across platforms using our pre-built ONDC integration layer. Simplify partner onboarding, flow control, and loan lifecycle management.

ONDC & ULI Integration

Harness commerce and logistics data to build alternate credit profiles for small sellers and enterprises.

Alternate Data Hub

Analyze digital footprints — from GST, e-commerce, and social signals — for richer borrower context.

Risk & Analytics Platform

Visibility and insights across the entire credit lifecycle.

Portfolio 360 Dashboard

Monitor loan books, cohort trends, and performance metrics in real time. Designed for NBFCs, co-lenders, and fintech partners.

AI Insights Engine

Natural-language insights on credit metrics, borrower segments, and predictive scenarios.

Data Pipeline

Sync your credit and transactional data with external BI tools, CRMs, and data lakes with one click.

Credit Operating System

End-to-end modular infrastructure for modern lenders.

Embedded Lending OS

Launch embedded credit journeys with minimal code. APIs and SDKs for KYC, underwriting, disbursal, and repayment management.

Partner Connect

Co-lending, FLDG, and DSA network integration framework. Simplify collaboration between banks, NBFCs, and fintechs.

Smart Rule Engine

Define risk, pricing, and eligibility logic dynamically — no redeployments needed.

LOS + LMS

Comprehensive loan origination and loan management system for end-to-end credit lifecycle management.

Developer Tools

APIs, SDKs, and sandbox for AI-credit innovation.

Neodhan APIs

REST APIs for underwriting, risk scoring, portfolio analytics, and DPI integrations.

Sandbox Environment

Test and train your credit models with synthetic datasets and DPI mocks.

Webhooks & Extensions

Real-time event notifications and plug-ins for CRMs, LOS/LMS, and cloud data systems.

For Financial Ecosystems

Designed for every layer of credit innovation

Banks & NBFCs

AI-driven underwriting, portfolio monitoring, fraud detection.

Fintechs & Platforms

Plug credit journeys and EWS directly into your apps.

Policy & Development Bodies

Enable flow-based credit at scale for MSMEs via DPI rails.

Cooperative & Rural Banks

Alternate data scoring and EWS for thin-file borrowers.

Coming Soon

Future modules powering Neodhan's ecosystem vision

AI Co-Pilot for Credit Officers

Explainable underwriting recommendations, document insights, and risk summaries.

Unified Credit Graph

AI knowledge layer connecting entities, behaviors, and exposures across financial networks.

Ready to transform your credit infrastructure?

Get started with our AI-powered products and see the difference they make for your organization.