An ISO/IEC 27001:2022 Certified Organization
Lending Software for Banks and NBFCs
The Problem it Solves
Credit appraisal today is days of keying: spreading financials by hand, computing drawing power from stock statements, assembling CAMs from scattered sources — slow, inconsistent and hard to audit
Manual Spreading
Audited statements, CMA data and stock statements keyed by hand into templates — slow and error-prone
Inconsistent DP operations
Drawing power computed differently across branches, often late, rarely cited to source
Unauditable CAMs
Figures without provenance; deviations and pending diligence items tracked on paper
Key Capabilities
01
Any document, one drop
02
Human verification, built in
PDF, Excel, JSON/XML API payloads and scanned hard copies via OCR and vision models — classified against production document-scheme vocabulary, confidence-governed
03
Deterministic calculation engine
A full-screen workbench shows the document beside extracted figures, colour-coded by confidence, with line-level highlighting. A draft cannot compute until a named reviewer signs it
04
Deviations & diligence register
Ratios, DSCR, working-capital assessment (Turnover/Nayak or MPBF Method II by policy threshold) and automated Drawing Power from the latest verified stock statement with the bank's margins
Policy breaches tabled with measure, value, threshold and policy key, routed to the right delegation level. Pending required items caveat the recommendation in as many words; waivers demand written reasons
05
Cited CAM on the bank's templates
12-block CAM assembled on the bank's own formats — templates are configuration, not code. Every figure carries its citation and formula version
06
Four defined outcomes
Recommend, recommend with deviations, seek information, or decline — a decline overridable by the sanctioning authority with recorded rationale; sanction under maker-checker control
Why SimPrudence
Works beside any LOS: one-call dossier in, decision record and CAM sections back — strengthening the existing origination stack, not replacing it
01
AI never does arithmetic
Extraction proposes; a versioned deterministic engine computes — same inputs always produce the same results
02
Citations are mandatory
Every cell requires a citation to document, page and line — keyed corrections included. Uncited figures are not accepted
03
Credit policy as data
Methods, thresholds, margins and CAM templates are bank-owned configuration
04
Hash-chained audit
Classification, extraction, corrections, computations, recommendations and decisions — one replayable record
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