FinAGG.AI continuously monitors every MSME on your book — GST, banking, MCA, GSTR-2A — and surfaces diversion, fake-invoice and dummy-supplier patterns the bureau cannot see. One score. One queue. Every morning.
| Borrower | FameScore | Trend | Tier | Fraud flags | Sanction | BTO | Last run |
|---|---|---|---|---|---|---|---|
Rajesh Enterprises |
38 ↓ 14 |
Critical | DiversionFake InvoiceDummy |
₹1.00 Cr | 71%↓ 71pt | 2026-04-15 | |
Medichem Pharma Pvt Ltd |
44 ↓ 8 |
High | HSNFake Invoice |
₹2.50 Cr | 88%↓ 36pt | 2026-04-12 | |
Sunrise Textiles |
51 ↓ 6 |
High | Stock |
₹5.00 Cr | 96%↓ 9pt | 2026-04-18 | |
Vertex Auto Components |
68 ↑ 2 |
Watch | — | ₹1.50 Cr | 108%↑ 6pt | 2026-04-19 | |
Apex Foods & Spices |
73 ↑ 1 |
Watch | — | ₹0.90 Cr | 112%↑ 3pt | 2026-04-22 |
Bureau scores describe how a borrower has behaved. FameScore describes how a business is actually behaving — right now — by triangulating GSTR-1, GSTR-2A, GSTR-3B, banking flow and MCA filings. Each pattern has its own evidence rail and its own pattern score.
Loan disbursal routed to non-business or related-party accounts within days of credit, with no matching invoice on the GST rail.
Reconciles declared stock against FAME-implied stock from GST plus banking — catches inflated drawing-power claims at source.
Recurring high-ticket invoices with zero bank settlement, often to promoter-linked counter-parties identified via MCA.
Invoices billed to GSTINs that were cancelled or suspended at/after invoice date, or to circular customer-supplier rings.
Compares declared business nature against the actual HSN purchase mix — surfaces shell entities masquerading as legitimate MSMEs.
BTO crossing 85% means the borrower's bank credits no longer support reported GST sales — typically off-books revenue or fund diversion.
FinAGG.AI plugs into your existing core-banking and bureau stack. We don't replace your CIC pull — we layer underwriting-grade behavioural data on top of it, on a daily cadence, and only escalate the borrowers your analysts actually need to look at.
Upload sanctioned MSME list with PAN, GSTIN, sanction amount and disbursal account. Day-1 baseline within 4 hours.
GST (1, 2A, 3B), AA banking, MCA filings, e-invoice rail and IRP-NCLT trackers — all consent-fenced and audit-logged.
One 0-100 score per borrower per run, with side-by-side delta against the previous run, and a pattern-level evidence rail.
Critical and High flags flow into your CIU's queue with FameReport PDF, regulator-ready paper trail and SLA timers.
Every borrower opens to a side-by-side comparison of the current run versus the previous one — across 12 underwriting metrics. The metrics that broke a threshold are highlighted; the rest are quiet. Analysts work the deltas, not the haystack.
| Metric | Last | This | Δ |
|---|---|---|---|
| GST sales (TTM) | ₹9.20 Cr | ₹6.85 Cr | ↓ 25.5% |
| ● Banking-to-Turnover | 142% | 71% | ↓ 71.0pt |
| Debt-to-Turnover | 56% | 52% | ↓ 4.0pt |
| ● Top-5 customer share | 54.0% | 61.2% | ↑ 7.2pt |
| GSTR-1 filing delay | 2 days | 5 days | ↑ 3.0d |
| ● Inward bounce rate | 1.4% | 2.1% | ↑ 0.7pt |
| Avg bank balance | ₹28.00 L | ₹22.00 L | ↓ 21.4% |
India's MSME default cycle is 9-14 months ahead of bureau visibility. By the time DPD shows up on a CIBIL or CRIF report, the diversion has already happened, the inventory has already moved, and the GSTR-1 trail has already gone cold. FAME closes that gap.
Send us a sanitised borrower list — PAN + GSTIN + sanction. We'll return a baseline FameScore, fraud-pattern map and Critical-tier shortlist within 96 hours. No commitment, no integration.