Screening, sampling and field verification: how lenders check a loan file
What a fraud control unit actually does, why most of it is still manual, and where automation helps most.
Read · 6 minFor Banks
Screen every file from every branch, to one standard
Public sector, private and small finance banks can run every retail and MSME file through the same checks, whichever branch or channel sourced it, and see the result before sanction.
Same standardEvery branch, every file
What you get
Built around how you work
One standard across branches
Every branch uploads to the same checklist for each product, so a file from a rural branch is screened exactly like one from a metro hub.
Verified at source
PAN, Aadhaar (through DigiLocker), GST, Udyam, property records and vehicle records are checked with the issuing system, not just read off a photocopy.
FCU team works the flags, not the pile
Clean files move on. Your fraud control unit spends its time only on the files and documents that actually raised a flag.
Sampling with a reason
The platform tells you which files need a field visit and why, so field budgets go where the risk is.
Audit-ready by design
Every check, flag, comment and override is recorded with who, when and why, ready for internal audit and inspection.
Ready when you are
We set up your products, users and policy for you, and start with a pilot on one product or one region.
Request a demoYour journey
From first call to screening every file
1Set up products and branchesYour loan products, branches, users and roles are configured, with two-factor sign-in for everyone.
2Agree your policyYour credit team sets thresholds and sampling rules for each product.
3Start screeningBranches upload files, or your origination system sends them. Reports come back in minutes.
4Review and reportYour FCU works the flags, and management sees volumes, flags and turnaround by branch and product.
Screening queue · all branchesToday
GV-10241 · Home loan
Pune branch · 112 checks
GreenPune branch · 112 checks
GV-10244 · LAP
Nashik branch · 5 flags
RedNashik branch · 5 flags
GV-10247 · MSME CC
Thane branch · 2 flags
AmberThane branch · 2 flags
Open report
Questions
What lenders usually ask
How do files reach the platform?
Three ways: a branch or sales executive uploads the file, the applicant uploads through a secure link, or your loan origination system sends the file automatically. Results can be returned to your system the same way.
Can we use our own policy limits?
Yes. FOIR, LTV, DSCR, minimum income, business vintage and similar thresholds are set by your credit team for each product, and every file is checked against them.
Does this replace field verification?
It reduces it. Files that pass every check do not need a routine visit. Files with specific flags are sent for sampling, with the reason, so field effort goes where it matters. Your policy decides the final sampling rules.
How long does screening take?
Most checks finish within minutes of the file being uploaded. Checks that depend on an outside source, such as some property registries, may take longer, and the report shows them as pending until they finish.
How are user accounts protected?
Strong passwords and two-factor sign-in with an authenticator app are compulsory for every lender user. Roles decide what each person can see and do.
Can a flag be quietly removed?
No. Closing or waiving a flag needs a reason and a second person's approval, and the action is written to an audit trail where each record is sealed to the previous one.
Insights
Guides for your teams
Eight red flags in a bank statement
The patterns fraud teams look for in bank statements, from broken arithmetic to circular transfers.
Read · 5 minWhy one-file-at-a-time checking misses fraud rings
Organised loan fraud reuses the same phones, addresses and documents. Only checks across files can see it.
Read · 4 minRequest a demo
See GIX Verify on your own loan files
Tell us about your lending and we will screen a few sample files with you, set to your products and your policy.
- A walkthrough on masked sample files
- Your products, thresholds and sampling rules set up
- A pilot plan for one product or one region