Custom AI that sits on your existing LOS/LMS — reads bureau data, bank statements, GST, and ITR — to automate credit assessment, risk scoring, and underwriting decisions. Not a scoring SaaS. Your own risk policy, your own models, your source code.
AI reads CIBIL, Experian, Equifax, and CRIF data — extracts delinquency patterns, DPD history, utilisation, and inquiry clusters. Produces structured credit summary with risk flags, not raw bureau XML.
Automated bank statement parser: classifies credits/debits, identifies salary, business income, EMI obligations, bounce patterns, and cash flow volatility. Connects to your underwriting scorecard.
AI reads GST returns (GSTR-1, GSTR-3B) and ITR documents to validate business income, turnover trend, and tax compliance. Flags discrepancies between stated and verified income.
AI agent that combines bureau, bank statement, GST, and property data into a credit summary — approve / decline / refer to credit officer — with full explainability per RBI/SEBI guidelines.
AI that cross-checks declared employer, address, income, and references against public data. Flags synthetic identity signals, address clusters, phone reuse, and employer mismatches.
Every underwriting decision logged with feature weights, data sources, and decision rationale. Regulator-ready audit trail. Borrower-facing explanation letter auto-generated per adverse action rules.
One fixed price before work starts. Full source code at delivery. No per-API-call fees. No annual licensing. Host on your own infrastructure or ours.
Review your existing credit policy, current data sources, LOS/LMS stack, and underwriting bottlenecks.
Define feature engineering, risk band thresholds, decision rules, and escalation triggers.
Connect to bureau APIs (CIBIL/Experian), account aggregators, GST APIs. Build decision engine and explainability layer.
Run AI in parallel with manual underwriting. Compare agree/disagree rate. Tune policy. Full go-live with audit trail.
A custom AI underwriting agent is a software system that automates credit assessment — reading bureau data, bank statements, GST returns, ITR, and property documents — and produces a structured underwriting decision (approve/decline/refer) with risk flags and explainability. Unlike a SaaS scoring tool, a custom AI agent is built around your specific credit policy, integrates with your LOS/LMS, and you own the source code.
Custom AI underwriting agent development: ₹8L–₹15L for a single underwriting module (bureau AI or bank statement analysis); ₹15L–₹30L for a full underwriting AI with multiple data sources and a decision engine; ₹30L+ for an enterprise credit platform with custom ML models. Fixed price — no hourly billing, no annual licensing after delivery.
Yes, if built correctly. XPndAI builds underwriting AI with full explainability — each decision is logged with feature weights, data sources, and decision rationale. Adverse action explanations are auto-generated. DPDP Act consent management is built into the data pipeline. The audit trail is regulator-ready.
Scienaptic and similar SaaS tools provide a fixed credit scoring model with standard features. Custom AI underwriting from XPndAI uses your own portfolio data, your credit policy, your risk thresholds, and your data sources — producing a model that is specific to your lending product and customer segment. You own the model. No per-decision API fees.
Free credit policy review session. Fixed price quote in 48 hours. No per-decision fees. Full source code.
📋 Get a Free Quote 💬 WhatsApp Now