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03 · COPILOT · v 4.2 · GA

The credit officer's copilot.

A grounded language model that has read every page of the borrower's file — bureau, AA, GST, OCR'd documents — and answers your questions with citations back to the source line.

● GA model · fame-gpt-4.2
LanguagesEN · HI · TA · MR · TE
GroundingRAG over CIC + AA + GST + OCR
Citationsrequired · line-level
Latency · first-token340 ms
Eval suite1,412 underwriter Qs
Refusal rate3.1% (out-of-policy)
WHAT IT DOES
§ 01

A conversation that produces a memo.

FAME GPT isn't a generic chat. It is scoped to one borrower, one case, one policy — and every claim it makes is tied to a citation a credit committee can verify.

Vikrant Traders Pvt Ltd · case CR-3122 grounded · 14k tokens
RM
RM Anjali
Draft me the credit memo. Cap it at 200 words.
FA
FAME GPT
Recommendation — APPROVE ₹38L · 24m · ROI 14.4%.
Vikrant Traders is a 14-year-old GSTIN with ₹18cr T/O FY25, GSTR-3B filed on time in 23 of 24 months [gst#3b-22]. FAME Score 742 / B+; CIBIL 786, Experian 771, CRIF 779. DSCR averages 1.82× across 11 reconciled bank accounts [aa#agg]. One stress event: Apr–Jun '25 DSCR dropped to 0.74 after a ₹2.1L vendor settlement, recovered within six weeks [bs#4]. Three bureau enquiries in 60d, one undisclosed ₹12L BL from Q-Bank [cic#tl-09] — flagged for the committee but not disqualifying.

Covenants: auto-escalate on GSTR-3B filing > 7d late. Action: proceed to sanction, refer if Q-Bank BL exceeds ₹15L.
cited · 6 sources · 0 unsupported claims
WHY IT'S DIFFERENT
§ 02

A copilot, not a chatbot.

// 01

Citations are mandatory.

No claim makes it into a reply without a line-level source. Hallucinated facts are blocked at decode time, not after.

// 02

Scoped to a case.

Every chat is bound to a borrower file. The model can't generalise outside the case unless you ask it to.

// 03

Policy-aware.

Loads your underwriting matrix as system context. Refuses recommendations that fall outside your guardrails.

// 04

Multilingual.

Borrower-side flows in 10 Indian languages; auditor-side flows in English with full transliteration.

// 05

Audited end-to-end.

Prompts, retrievals and responses are logged immutably for 7 years. Exportable to your GRC system.

// 06

Memo-grade output.

Export any conversation as a structured credit memo — markdown, PDF or directly into your LOS as a case note.

Stop reading. Start asking.

Live for HDFC, Axis and 7 NBFC partners. Roll it out to your committee in two weeks.