FinAGG builds LendingAgents — the reasoning layer that sits between bureaus, account aggregators, GSTN, bank statements and your underwriting model. A suite of nine specialised agents that read documents, score risk, trace skips, monitor portfolios and answer in plain language.
The FinAGG Innovation Lab is a small group of researchers and credit veterans shipping financial agents into regulated production. Every product below started here as a single, sharp problem.
Agents must work with the actual artefacts of Indian credit — GSTR-1B, bank statements, ITR, RoC filings, KYC photos — not pristine API payloads.
Every output is a structured decision with a citation back to the source line. A risk officer should be able to audit any field in seconds.
Underwriting at scale means sub-second p99. We co-design models and retrieval so decisions arrive while the customer is still on the screen.
FAME Score, CIC, OCR, AA, SKIP — each is a standalone agent with a clean API. Run one, run all, run them inside your own VPC.
SOC 2 Type II, ISO 27001, RBI DPDP-aligned. Data residency in India. Model cards, eval suites and red-team logs available on request.
The interesting thing about a financial agent is that nothing surprising happens. We measure ourselves in incident-free quarters.
Each card opens a focused agent in the LendingAgents suite — hover to see the
live shape of its output, the actual JSON, table, score or trace it returns to your stack.
lendingagents.ai ↗ lendingagents.in ↗
Cash-flow underwriting score for thin-file Indian borrowers. Trained on 11M AA+GST+bank profiles, calibrated against 36-month repayment outcomes.
Multi-bureau CIBIL / Experian / CRIF parsing with deduplication, alias-merge and tradeline-level alerting in one normalised schema.
Ask the underwriting agent. Plain-language reasoning over a borrower's full credit + cash-flow + GST footprint, with citations to source lines.
One consent flow, two channels. Pull AA bank statements and GSTR returns together, reconciled into a single working-capital view.
Vision-LM tuned on 14M Indian credit documents — bank statements, ITR, GST certs, Form-16, PAN, Aadhaar — outputs structured fields, not text dumps.
Continuous risk surveillance on the book — GST defaults, bounce events, new enquiries, cohort decay — pushed into your collections workflow as alerts.
A single agent runs the full origination: KYC, AA pull, GST pull, OCR, fraud, FAME Score, policy check — branched flows your ops team can edit.
Find delinquent borrowers without breaking DPDP. Agents reconcile EPFO, RoC, mobile networks, e-commerce footprints into a current address graph.
A voice agent that conducts the PD call in Hindi / English / Tamil / Marathi, asks the policy-driven follow-ups and writes the case note.
A real session against an anonymised SME applicant. Try a question — answers stream back grounded in the borrower's bureau, AA, GST and OCR'd documents.
We run inside regulated balance sheets, so the boring stuff matters first. SLAs, residency, audits — same as your core banking vendor.
Audited annually by KPMG. All processing in Indian regions (Mumbai, Hyderabad). BYOK supported. Customer-managed VPC deployment available for lenders > ₹5,000cr AUM.
data →
Account Aggregator · GSTN · Bureaus · KYC sources, ingested once.
reasoning →
Specialised agents for OCR, scoring, tracing, copiloting.
surface →
REST · webhooks · in-product copilot · or your own LOS.
Research bets we are running now. Some will become products, some will quietly go into existing agents, some will be wrong. We publish post-mortems either way.
| # | Project | Stage | Owner | ETA | Status |
|---|---|---|---|---|---|
| R-014 | Multilingual PD agent (10 IN languages) | Eval | Speech · Niharika | Q2 '26 | green |
| R-021 | Bharat KYC v2 — Aadhaar masked, offline | Pilot | Vision · Rahul | Q3 '26 | green |
| R-029 | Real-time GSTR-1 anomaly streaming | Build | Data · Sneha | Q2 '26 | yellow |
| R-031 | Settlement-grade SKIP graph | Research | Graph · Devansh | Q4 '26 | yellow |
| R-034 | Agentic dispute resolution (RBI OBO) | Discovery | Policy · Aarti | — | red |
We work with banks, NBFCs and fintechs running > 25,000 originations a month. Production pilots ship in under 6 weeks.