Most credit assessments start the same way: the bureau report comes in, someone scans the total loan count, and that number anchors the initial read. A borrower with 60 accounts on file gets a different reception than one with 10. What the aggregate count doesn’t surface is whether those loans are active today or repaid […]
Most loan officers at NBFCs will tell you the same thing: the credit decision is the easy part. Everything before it is where time disappears. Bank statement downloads, GSTR cross-checks, credit bureau pulls from sources that were never designed to talk to each other: all of it lands on someone’s desk, and most of it […]
For lenders who need GST data verified and reconciled against bank statements in a single API workflow, Precisa is the strongest fit. Perfios suits large banks that want one enterprise vendor across many document types. ScoreMe suits corporate lenders by consolidating many GSTINs under one PAN. Lighter APIs such as Surepass and Signzy work well […]
A credit appraisal memorandum pulls together everything the sanctioning committee needs to make a lending decision. Most of the financial evidence in that document comes from the borrower’s bank statements. For teams processing more than a handful of applications a week, manually extracting transaction-level data from PDF statements, categorising entries, and computing the required ratios […]
A joint loan and an authorised-user account can look identical to a scoring engine skimming the top line of a bureau report. They aren’t. Precisa’s Credit Report Analysis exists partly because that distinction sits inside a field most underwriting workflows never open, on the way to the number they care about most: the score. One […]
For years, the underwriting shortcut was simple: if a counterparty in a borrower’s bank statement wasn’t on RBI’s registered NBFC list, that was a flag worth raising. From July 2026, that shortcut doesn’t hold. RBI’s Amendment Directions created a formal category called “Unregistered Type I NBFC,” and a growing number of legitimate entities now sit […]
Precisa is built and operated by Finezza Information Technologies Private Limited, which holds ISO/IEC 27001:2022 certification. Precisa has also undergone a SOC 2 Type II examination. If you’re mid-way through vendor due diligence and assessing the security of a financial data analysis platform, these provide independent evidence. This article explains what each covers and how […]
An overdraft interest calculator answers exactly one question: how much interest does this account owe, given its limit, rate, and the number of days drawn. That number is accurate. It’s also close to useless for the decision most credit teams are trying to make.. At Precisa, we’ve watched underwriters and DSAs run a stack of […]
Every festive quarter, lending volumes jump and loan books swell within weeks rather than months. Bajaj Finance alone disbursed close to 6.3 million consumer loans between 22 September and 26 October last year, a 27% rise in volume and a 29% rise in value over the same window the year before. Sanctioning teams clear applications […]
Most credit teams open a bureau report and go straight to the score, then to DPD and then to NPA status, if there is one. Precisa’s credit bureau report analysis is built to catch what gets skipped in that sequence: the enquiry section, which gets a glance at best, usually reduced to a single number, […]
