PramanaX processes thousands of pages of unstructured financial documents in seconds — delivering institutional-grade Credit Assessment Memos that transform how risk teams operate.
The Intelligence Gap
A single credit case demands reading hundreds of pages across income tax returns, bank statements, GST filings, and bureau reports. The cognitive load is immense. Manual collation takes days, introduces errors, and doesn't scale. The actual credit decision takes minutes. Everything before it is friction.
PramanaX eliminates that friction entirely. Six AI engines read, extract, cross-verify, and reconcile every document — delivering a complete, institutional-grade Credit Assessment Memo in under six minutes.
Intelligence Engines
Every document is decomposed, cross-verified, and reconciled by specialized neural pipelines — delivering conclusions no single analyst could reach alone.
Reads any P&L or Balance Sheet — audited, draft, scanned, photographed — and builds structured multi-year financial models with deterministic grid parsing. Cross-validates every figure across documents. Catches inconsistencies that human review misses.
Decodes every bank statement — ABB, credit classification, bounce detection, circular flows, real DSCR from actual cash movement.
Reconciles multi-year filings. Exposes mismatches, ITC anomalies, and compliance risk signals.
Parses CIBIL reports in seconds. Auto-validates CMR ranks, flags DPD delinquencies and SMA/NPA exposure.
Fuses every signal through a weighted AI model into a single, defensible risk verdict.
Composes a complete, committee-ready Credit Assessment Memo — borrower profile, financial deep-dive, risk matrix, and underwriter-ready observations. Zero manual drafting.
Underwriters spend 90% less time searching for data — and 100% of their time making decisions.
Workflow
From raw borrower documents to a committee-ready credit memo in under six minutes.
Drag in whatever the borrower submitted — scanned tax returns, bank PDFs, GST exports, credit reports, photographs. PramanaX's classifier identifies and routes every file instantly.
Six intelligence engines fire in parallel — extracting, cross-verifying, and reconciling data across every source. Multi-model consensus ensures no signal is missed or misread.
A complete, institutional-grade Credit Assessment Memo materializes — 40+ data points, risk scores, and underwriter-ready observations. Committee-ready. No formatting. No waiting.
Trust & Security
All data encrypted at rest and in transit with AES-256 and TLS 1.3.
Infrastructure aligned with SOC 2 Type II for enterprise trust.
Tenant isolation with role-based access and full audit logging.
Give your risk team the cognitive infrastructure to underwrite at the speed and accuracy your business demands.
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