Underwrite the borrower before the disbursal window closes.
India-Stack-native KYC, bank statement analysis, GST-led income proxies, and RBI-aligned audit trails — wired into one decisioning layer built for digital lenders, NBFCs, and embedded credit platforms.
Trusted by Digital Lenders Running India Underwriting at Scale
From NBFCs to embedded credit platforms — digital lenders use Deepvue to underwrite Indian borrowers in seconds, with RBI-aligned audit trails the regulator actually accepts.
Three reasons digital lenders pick Deepvue for India underwriting.
Most generic verification stacks treat lending like KYC. Deepvue is built for the underwriting decision — KYC, bank, income, and bureau, normalized into a single decisioning chain that returns in seconds.
Borrowers comparison-shop across 3-4 lenders. A 5-minute underwriting wait is a lost loan; a 10-second decision wins it.
Half your applicants don't have salary slips. Use bank-statement parsing, GST inflows, EPFO contribution history, and bureau pulls to triangulate.
When the RBI inspects digital-lending operations, the audit trail is the first thing they ask for. Deepvue produces it in the format expected — per-borrower, per-decision, immutable.
Lenders stitching together 4-6 separate vendors for KYC, bank, bureau, GST, and audit logging end up with the slowest, most expensive part of the funnel. Deepvue collapses that into one decisioning chain — single contract, single SLA, single audit trail.
Why bolted-together lending stacks miss the underwriting window.
If your decisioning latency is creeping past 30 seconds, or your bureau-pull-to-disbursal funnel is leaking, here's what the data usually shows.
The lending stack — six primitives, one decision chain.
Every primitive a digital lender needs to underwrite an Indian borrower, wired to call as a chain or independently — your call.
How digital lenders run underwriting on Deepvue.
From a borrower hitting "Apply" to a sanctioned offer — a typical decision cycle in your funnel.
End-to-end median: under 10 seconds. Compare against your current vendor stack side-by-side in a 15-min walkthrough.
An underwriting decision, end-to-end.
What a single borrower-underwriting flow looks like — parallel checks, sanctioned offer, full audit trail.
// Parallel by default, stop-on-fail optional 1. POST /v1/identity/digilocker 2. POST /v1/face-match 3. POST /v1/banking/statement-analysis 4. POST /v1/bureau/pull 5. POST /v1/business/gst-returns 6. POST /v1/screening/mnrl-fraud 7. POST /v1/decision/underwrite
{
"borrower_id": "bw_8a4f2b9e",
"decision": "APPROVED",
"sanctioned_inr": 250000,
"interest_tier": "A2",
"latency_ms": 7842,
"signals": {
"identity_digilocker": "PASS",
"bank_inflow_stable": "0.84",
"emi_obligations": "₹14,200/mo",
"bureau_score": 742,
"foir": "0.42"
},
"audit_trail_id": "at_2026_04_28_17_42_19",
"compliance_format": "RBI_DLG_v2",
"data_residency": "IN"
} Compliance map for digital lending in India.
The frameworks the RBI (and your audit committee) actually ask about — and which Deepvue capabilities map to each.
Where digital lending funnels leak — and where Deepvue plugs the holes.
Indian borrowers churn fast on price and speed. The funnel from "Apply" to "Disbursed" usually breaks at one of these places.
Wire it in over a coffee.
Most digital lenders drop Deepvue into their underwriting flow in under a week. One sandbox key, one chained endpoint, webhooks back to your existing decisioning stack.
What you get out of the box.
Capabilities every digital lender needs for India underwriting — without stitching together five vendors.
Lenders building India underwriting on Deepvue.
Five customer profiles — each with the specific outcome they hit after collapsing their stack into one decision chain.
Built for the RBI digital-lending posture.
RBI Digital Lending Guidelines, DPDP, CICRA, AA framework — the obligations stack up. Deepvue's audit trail satisfies all of them out of the box.
Deepvue is not a regulator and does not represent itself as RBI, SEBI, UIDAI, or any government authority. Lenders retain full responsibility for their licensing posture (NBFC, Bank, Co-lending, LSP) and credit decisions. Deepvue provides the verification + signal infrastructure and structured audit trail; the credit decision is yours.
All API interactions are protected using encryption, role-based access controls, and audit logging.
Volume pricing for digital lenders.
Underwriting bundles tier with monthly disbursal volume. Pay per decision, not per individual API call. INR invoicing standard.
Most lenders running 10k-100k decisions per month land in a per-decision range that comfortably preserves unit economics. No per-vendor surcharges, no surprise bureau pull markups.
Common questions from compliance and product leads.
Real questions, asked in evaluation calls. If yours isn't here, book a 15-min walkthrough — we'll answer it live.
We already have Perfios + bureau APIs + a KYC vendor. Why consolidate?
Are you an Account Aggregator (AA) TSP?
Where is borrower data stored?
Does the audit trail satisfy RBI digital-lending guidelines?
How long does integration take?
Does Deepvue make credit decisions?
Is Deepvue the right underwriting infrastructure for an Indian digital lender?
Deepvue provides India-Stack-native KYC, bank statement analysis, bureau pull (Equifax, authorized partnership), GST income proxies, and RBI-aligned audit trails — wired into a single underwriting decisioning chain built for digital lenders, NBFCs, and embedded credit platforms. Sub-10-second median decisions, parallel calls instead of sequential, and one consolidated contract replacing the typical 4-6 vendor stack of Perfios, individual bureau APIs, and KYC providers.
Underwrite your next Indian borrower in
under 10 seconds.
India-Stack-native. RBI-aligned. Built for digital lenders.