An ISO/IEC 27001:2022 Certified Organization
Lending Software for Banks and NBFCs
The Problem it Solves
Financial institutions in India lose thousands of crores annually to fraud — and the same fraudster attacks multiple institutions in sequence because no real-time, privacy-safe sharing mechanism exists
Information Silos
Each lender learns about a fraudster only after its own loss; blacklists move by Excel and e-mail
Privacy Blocks Sharing
The DPDP Act 2023 rightly prevents raw PII sharing — so intelligence stays trapped
No Standardization
Every institution defines fraud differently; due diligence is hard to prove to the regulator
Key Capabilities
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Privacy-preserving matching
Three-layer hashing: member-side pepper, then platform pepper — the same PAN from two members produces the same final hash without raw PII ever being stored or transmitted
Instant Fraud Check
Query PAN, mobile, account, device, UPI or e-mail; get network intelligence — incidents, signals, member sources — and a blended risk score in under 500ms. Web-based screening for smaller members, API for scale
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Fraud Ring Detection
Configurable Risk Scoring
Graph-based analysis clusters connected identifiers into rings — one query surfaces the entire syndicate with a suggested action
Database-driven models — Balanced, Conservative and ML-Enhanced (98%+ detection, 2% false positives) — switchable by governance users with zero code changes and full audit
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Disputes & Governance
Member, admin and governance roles; dispute resolution workflows; overrides with audit trail
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Automated Compliance
Daily MIS exports (fraud, exposure, dispute summaries), SLA monitoring with breach alerts, complete hash-chained audit trail
Why SimRisk
A privacy-preserving fraud intelligence network for real-time cross-member fraud detection — zero PII exposure, DPDP Act 2023 aligned
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Zero PII, real matching
Cryptographic design lets members match fraudsters without exposing a single identifier
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Network effect
The first member's loss becomes every other member's early warning — ecosystem losses collapse
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Governance-controlled models
Risk appetite changes (e.g. festival-season tightening) are a configuration switch, not an engineering project
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Both sides of the Pipeline
Pairs naturally with SimVigil: detection intelligence in, disposal and enforcement out
Explore our other suite of Products
Everything you need for your lending business!