Underwrite a borrower in under 10 seconds , not three calls.
DigiLocker KYC, bank statement analysis, bureau pull (Equifax), GST + EPFO income proxies, and RBI digital-lending audit — chained into one decisioning call.
One Workflow, Every Loan Shape
Whether it's a ₹50k personal loan, a ₹2L BNPL line, an SME term loan, or an embedded co-lending product — the underwriting decision chain is the same shape. Deepvue gives you that chain as a single API call, configurable per loan type.
Three reasons teams collapse underwriting into one call.
Loan underwriting breaks across three axes — decision speed, signal coverage (especially for thin-file borrowers), and RBI-format audit. Deepvue's underwriting chain is built around all three, with per-loan-type configuration baked in.
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 income.
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 typically stitch together 4-6 separate vendors — Perfios for bank statements, individual bureau APIs, KYC vendor, GST API, audit logging. Deepvue collapses that into one decisioning chain. One contract, one SLA, one audit trail.
Why bolted-together underwriting misses the disbursal window.
If your funnel is leaking 25%+ between "Apply" and "Approved" — or your audit team is rebuilding decision history from logs — here's where the breakage usually starts.
The underwriting chain — six primitives, one call.
Every primitive a loan underwriting chain needs, wired to call in parallel — configurable per loan type.
How the underwriting chain runs.
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/banking/statement-analysis 3. POST /v1/bureau/pull 4. POST /v1/business/gst-returns 5. POST /v1/employment/epfo 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_29_17_42_19",
"compliance_format": "RBI_DLG_v2",
"data_residency": "IN"
} Compliance map for digital lending underwriting.
The frameworks digital lenders get inspected on — RBI Digital Lending Guidelines, CICRA, DPDP, AA, PMLA — and which Deepvue capabilities map to each.
Where underwriting 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 the Deepvue underwriting chain into their loan flow in under a week. One sandbox key, one chained endpoint, webhooks back to your existing risk + LOS stack.
What you get out of the box.
Capabilities every loan underwriting chain needs — without stitching together five vendors.
One workflow, configured per loan type.
Five loan configurations — same chain, different thresholds and primitive selection per loan type.
Built for the RBI digital-lending posture.
RBI Digital Lending Guidelines, DPDP, CICRA, Account Aggregator, PMLA — overlapping obligations on every loan. 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 per underwriting decision.
Underwriting bundles tier with monthly disbursal volume. Pay per decision, not per individual API call. INR-first invoicing.
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?
Does Deepvue make credit decisions?
How long does integration take?
How does Deepvue's "Underwrite a borrower" workflow compare to stitching individual vendors?
Deepvue's underwriting workflow chains DigiLocker KYC, AA-mediated bank statement analysis, bureau pull (Equifax, authorized partnership), GST returns + EPFO income proxies, fraud screening, and an RBI Digital Lending audit trail into a single API decision call. Most lenders replace 4-6 separate vendors (Perfios, individual bureau APIs, KYC, GST, audit) with this one chain — sub-10-second median, parallel calls instead of sequential, single audit trail. Configurable per loan type: personal, BNPL, SME, co-lending, embedded credit.
Underwrite your next borrower in
under 10 seconds.
India-Stack-native. RBI-aligned. One workflow, every loan type.