प्र PramanaX AI UNDERWRITING
SELF-HOSTED
INDIA-RESIDENT
HUMAN-SANCTIONED
UNVERIFIABLE FIGURES: FLAGGED
DECISION LATENCY 3–7 DAYS → MINUTES

Underwrite any borrower
in minutes

AI credit underwriting software for India's NBFCs and fintech lenders.
A complete borrower folder becomes a decision-ready credit assessment memo (CAM) in minutes, and your credit team keeps the final say.

NO DECK. NO VIDEO. THE ENGINE, LIVE, ON REAL FILES.
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01 WHAT PRAMANAX DOES

Your credit desk, upgraded

UNDERWRITING BEFORE
3–7 DAYS OF MANUAL READING
GOOD BORROWERS WALKING AWAY
FIGURES YOU HOPE ARE RIGHT
DISCREPANCIES FOUND AFTER DISBURSAL
WITH PRAMANAX
→A decision-ready CAM in minutes
→Your yes reaches the borrower first
→Numbers you can stand behind, line by line
→Every figure cross-checked before sanction
SHIFT 01 · SPEED

Minutes, not days

A complete borrower folder goes in. A decision-ready assessment comes out. The clock barely moves.

TAT · 3–7 DAYS → MINUTES
SHIFT 02 · EVIDENCE

Every figure defensible

If a number appears in the assessment, it can be defended line by line in front of your committee, your auditor, and your regulator. A figure that cannot be established from its source is flagged, never invented.

NO GUESSING · UNVERIFIABLE FIGURES ARE FLAGGED
SHIFT 03 · AUTHORITY

Your credit team keeps the final say

PramanaX recommends. A named person on your team sanctions. Every decision, every time.

SIGN-OFF · NAMED   FINAL CALL · YOURS
REAL FILES. REAL WORKFLOWS.
300+CREDIT CASES PROCESSED
Built and validated on real Indian borrower files.
02 THE CAM
FROM BORROWER FILES TO

A decision-ready CAM

One borrower folder in. The engine does the heavy lifting. Your credit team makes the call.

BORROWER FILES
BANK STATEMENTS
CIBIL REPORT
GST 3B · R1
AUDITED FINANCIALS
ITR & TAX DOCS
ONE FOLDER · AS RECEIVED
→
UNDERWRITE
✓Extract & structure data
✓Cross-check numbers
✓Identify inconsistencies
✓Risk signals & flags
NOT OCR · STEP ONE OF SIX
→
CREDIT ASSESSMENT
EXEC SUMMARY
FINANCIALS
BANKING
RISK SIGNALS
CROSS-CHECKS
RATING
A−
RECOMMENDEDRISK · LOW
ALL INSIGHTS TRACEABLE TO SOURCE DOCUMENTS
→
CREDIT TEAM
✓
REVIEW · DECIDE · DISBURSE
Your team, with full context and the final say.
NAMED SIGN-OFF · EVERY DECISION
AUTOMATE THE PROCESS. EMPOWER THE DECISION.
THE OUTPUT, UP CLOSE
CREDIT ASSESSMENT MEMO SAMPLE · FICTIONAL BORROWER
EXECUTIVE SUMMARY
BORROWER PROFILE
FINANCIAL ANALYSIS
BANKING INSIGHTS
RISK SIGNALS
CROSS-CHECKS
ASSESSMENT & RATING
BORROWERSample Traders Pvt Ltd
SEGMENTMSME · Textiles
FACILITY SOUGHT₹1.2 Cr · Working capital
VINTAGE9 years
A−
RECOMMENDED GRADE · RISK LOW Sanction with conditions
AWAITING NAMED SIGN-OFF
INSIDE THE CAM · INSIGHTS BY SOURCE
BANKING INSIGHTS12-MO STATEMENTS
CREDITS · FY24₹14.5 Cr
AVG MONTHLY BALANCE₹22.4 L
INFLOWS TRACED214
CREDITS VS DECLARED SALES96%
CIBIL INSIGHTSBUREAU
742SCORE
DPD · 24 MONTHSCLEAN
ENQUIRIES · 90 DAYS6 · REVIEW
GST INSIGHTS3B / R1 · 8 QTRS
TURNOVER · FY24₹14.8 Cr
FILING GAPS0
VS BANKING CREDITSΔ 2.0%
AUDITED FINANCIALSP&L · BALANCE SHEET
REVENUE₹15.1 Cr
EBITDA MARGIN11.2%
NET WORTH₹6.1 Cr
DSCR1.8×
RISK SIGNALS
GST FILINGS CONSISTENT · NO GAPS IN 24 MONTHS
BANKING INFLOWS SUPPORT DECLARED TURNOVER
BUREAU ENQUIRY SPIKE IN LAST 90 DAYS · FOR REVIEW
CROSS-CHECKS
AUDITED REVENUE ↔ GST TURNOVERMATCH · Δ 2.0%
GST TURNOVER ↔ BANKING CREDITSMATCH · Δ 2.0%
AUDITED PAT ↔ COMPUTED PATMATCH
STATED BORROWINGS ↔ BUREAU TRADELINESFLAGGED
ALL INSIGHTS TRACEABLE TO SOURCE DOCUMENTS
BANK STMT · p.14GST 3B · JULAUDITED FS · p.22CIBIL · §3.2
SAMPLE CAM ON A FICTIONAL BORROWERTHE REAL THING IS SHOWN LIVE, ON YOUR FILES
03 FOR YOUR CREDIT TEAM

What changes for your credit team?

MINUTESPER CAM · DOWN FROM 3–7 DAYS
5DOCUMENT FAMILIES READ TOGETHER
0FIGURES INVENTED · UNVERIFIABLE VALUES FLAGGED
100%DECISIONS WITH NAMED HUMAN SIGN-OFF
01

Faster TAT

Move borrowers through underwriting faster. FIRST TO SAY YES, DEFENSIBLY
02

More analyst capacity

Spend less time collecting and reconciling information. ANALYSTS ANALYSE, NOT RETYPE
03

Consistent assessments

Apply a structured process across borrower files. ONE FORMAT · EVERY FILE
04

Better decisions

Give credit teams a complete view before they make the call. FULL CONTEXT · FINAL SAY YOURS
THE MODEL IS NOT THE PRODUCT

Extraction is only step one

PramanaX reconciles evidence across documents, preserves source-level provenance, and refuses to guess when evidence cannot be established reliably.

RECONCILIATION PROVENANCE REFUSAL OVER GUESSING
04 THE VEIL
▓▒ 08114 ░░ 62,40,118 ▒— 3.1 ▓ 114/2 ░▒ 990
░▓ ▒▒ 4,08,220 ░ 17.2 ▓▓ 08/114 ▒ 66,041 ░
░▒ 12,90,004 ▓ 2.8 ▒░ 448/9 ▓▓ 10,552 ▒
▓░ 55,310 ▒▒ 0.94 ░ 771/40 ▓ 1,08,114 ░░
▓ 4,20,8 ░
▒ 118/00 ▓
░ 9,10,44 ▒
INSTRUMENT · VEILED
RESOLUTION: LIVE ONLY
WHERE “HOW IT WORKS” WOULD BE

The engine is not explained on a webpage

It is shown live, on a real borrower folder, with your credit team watching.
05 SPECIFICATIONS

Built to be trusted with a borrower’s file

EVERY LINE SURVIVES DILIGENCE
SP-01 DEPLOYMENT Self-hosted AI. Zero external calls.
SP-02 RESIDENCY All data resident in India.
SP-03 ENVIRONMENT Deployable inside your own environment.
SP-04 AUTHORITY A named human signs off on every decision.
SP-05 BORROWER DATA Stays inside your deployment. Never leaves, for anything.
SP-06 COVERAGE Reads the formats India lends on. A document it cannot read reliably is refused and flagged, never guessed.
PRAMANAX, IN ONE LINE
The evidence and intelligence layer between a borrower’s documents and a lender’s credit decision
06 ONBOARDING
NOW ONBOARDING

Ready when you are

Bring a borrower folder. See the engine run on it, live. Deploy inside your own environment.