Why 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 minFor NBFCs & HFCs
Grow disbursals without growing fraud losses
NBFCs and housing finance companies can screen high volumes from DSAs and digital channels in minutes, catch recycled documents and fraud rings early, and keep turnaround times tight.
Red rate by channelThis month
DSA 4 · Red files19%
What you get
Built around how you work
Fast enough for digital journeys
Most checks finish within minutes of upload, so screening fits inside a same-day or instant credit decision.
Channel risk you can see
Red rates are tracked by DSA, branch and product, so a sourcing partner pushing bad files stands out quickly.
Recycled documents caught
The same salary slip, statement or property paper turning up on another applicant is flagged automatically.
Your policy, your thresholds
FOIR, LTV, DSCR, minimum income and vintage limits are set by your credit team and applied to every file.
Connects to your systems
Files can arrive from your loan origination system and results can flow straight back, with no re-keying.
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
1Connect your channelsDSA, branch and digital journeys feed files into the platform.
2Set your thresholdsConfigure policy limits and sampling rules for each product.
3Screen at speedEvery file is screened in minutes, with Red files held automatically.
4Watch channel qualityTrack Red rates by DSA, branch and product, and act early.
Today · by sourcing channel
DSA 1
312 files · 4% Red
Normal312 files · 4% Red
DSA 4
188 files · 19% Red
Watch188 files · 19% Red
Digital journey
1,240 files · 3% Red
Normal1,240 files · 3% Red
Average screening time
6 minutes from upload to 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.
Where is applicant data stored?
In data centres in India. Documents are kept in private storage, and only authorised users of the lender that owns the file can open them.
How is applicant consent handled?
Consent is captured and recorded before any data is fetched from an outside source. Data is used only to screen that loan application, and is deleted according to the retention period agreed with the lender and required by law.
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 minProperty papers: what to check before you lend against them
Sale agreements, Index-II, 7/12 extracts and title chains: the common problems and how to catch them.
Read · 6 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