Agentic AI, built for Indian credit

Build an AI-Native
Credit & Risk Organization

AI agents for underwriting, due diligence and credit operations, built for India's lenders and enterprises.

Book a demo  → Watch AICA think
120+
ENTERPRISES LIVE
80,000+
COMPANIES EVALUATED
250+
CHECKS PER REPORT
6.2s
AVG REPORT TIME

Trusted by 120+ enterprises, from banks and NBFCs to funds

Satin
Infotel Finance
Lighthouse Canton
Altius
Physis Capital
Village Global
String Ventures
KreditBee
LC
Drivn
MCA Consulting
GatiPay
Satin
Infotel Finance
Lighthouse Canton
Altius
Physis Capital
Village Global
String Ventures
KreditBee
LC
Drivn
MCA Consulting
GatiPay
Satin
Infotel Finance
Lighthouse Canton
Altius
Physis Capital
Village Global
String Ventures
KreditBee
LC
Drivn
MCA Consulting
GatiPay

Built for your role

One platform. Every credit team.

Underwriting & DD agent

Your analysts stop collecting data and start deciding.

AICA reads GST, bank statements and filings, reconciles them, checks every party behind the business and drafts the CAM against your credit policy.

See the Underwriting & DD agent  →
80%
FASTER TAT
4×
HIGHER THROUGHPUT
42 → 4 hrs
CAM GENERATION
Compliance & Ops agent

Every partner file complete, without anyone chasing.

Documents are filed as they arrive, missing ones are chased automatically, and leads, partners and lenders sit on one lending CRM.

See the Compliance & Ops agent  →
5 hrs → 4 min
PER PARTNER FILE
7 → 1 day
PARTNER ONBOARDING
+208%
PARTNER SOURCING
Vendor & dealer due diligence

Know exactly who you are doing business with.

Legal cases, filings, financials and the directors behind every vendor or dealer, checked across six dimensions, with every finding sourced.

See how due diligence works  →
250+
CHECKS PER REPORT
12
RED FLAGS IN 60 DAYS
0
FRAUD INCIDENTS SINCE
Portfolio due diligence

Diligence a portfolio company in minutes, not weeks.

Run the full check on a company before you commit, then follow every name in the portfolio through daily snapshots and EWS alerts.

Read the credit fund story  →
30d → 8m
DD PER PORTFOLIO COMPANY
~30 days
SAVED PER DEAL
Daily
PORTFOLIO SNAPSHOTS

Raising debt rather than lending it? Debt Agents match a company to the lenders most likely to say yes  →

SEE THE AGENTS WORK

Watch the AI reason in real time.

Reasoned across bureau, GST, banking, MCA and 100+ sources, sourced and auditable, every time.

Watch AICA think

How it works

From scattered documents to a sourced decision.

Every source in, every check run, every number traceable.

  1. 01

    Collect

    Bureau, GST, banking, MCA, NCLT and bank statements pulled in, pre-wired on day zero.

  2. 02

    Reconcile

    Every source cross-checked: GST against banking, financials against filings. Gaps flagged, not guessed.

  3. 03

    Check

    250+ checks across six risk dimensions, each finding linked to the page it came from.

  4. 04

    Decide

    A sourced 360° report and credit memo in seconds, with early-warning alerts that keep running.

“
AICA cut our underwriting TAT from nine days to thirty-six hours. The team now spends time on credit decisions, not on data collection.
HC
Head of Credit MID-MARKET NBFC · BENGALURU

The numbers behind the quote

9 days→36 hrs
UNDERWRITING TAT
42 hrs→4 hrs
CAM GENERATION
+1,420 hrs
SAVED IN 90 DAYS
“
Partner onboarding used to take a week of back-and-forth. AICA gives us a complete due-diligence file in seven seconds, partners go live the same day they apply.
CO
Co-Founder · COO LENDING-TECH FINTECH · MUMBAI

The numbers behind the quote

7 days→1 day
PARTNER ONBOARDING
5 hrs→4 min
DUE-DILIGENCE PER PARTNER
4×
PARTNER ACTIVATION VELOCITY
“
We run due-diligence on two thousand vendors a quarter. AICA replaced eight people doing reconstruction work, and our miss rate dropped to near zero.
VR
Head of Vendor Risk LISTED FMCG ENTERPRISE

The numbers behind the quote

8 FTEs→0
ON RECONSTRUCTION WORK
2,000+
VENDORS SCREENED PER QUARTER
96%
RED-FLAG CATCH RATE
“
Our portfolio monitoring used to be quarterly. With AICA's continuous EWS we get stress signals the same week they emerge, three saves last quarter alone.
ID
Investment Director MID-MARKET CREDIT FUND

The numbers behind the quote

Quarterly→Continuous
PORTFOLIO MONITORING
24 hrs
EWS ALERT WINDOW
3 saves
IN Q1 ALONE

Frequently asked

Everything you need to know.

What AICA is, what it does, how it fits your credit team.

AICA is an AI-native due-diligence platform built for Indian credit. It onboards, underwrites and monitors every third party your business depends on, borrowers, vendors, dealers, portfolio companies, across 250+ automated checks and six dimensions of risk.
Banks and NBFCs underwriting borrowers. Fintechs, LSPs and DSAs running the full lending stack. Enterprises managing vendor and dealer risk. Funds running portfolio due diligence and continuous monitoring.
It collects documents (Magic Upload + WhatsApp agents), runs primary and secondary due diligence (bureau, GST, MCA, NCLT, banking, audited financials, adverse media), generates a 15-page CAM, and runs continuous EWS on every name in your portfolio after the file goes live.
Yes. The architecture is aligned with the RBI Digital Lending Guidelines, the Account Aggregator framework, and the DPDP Act. Compliance evidence, audit trails, source citations, consent records, is regenerable on demand.
AICA sits in front of your LOS, CRM or ERP, behind your customer portal, and on top of your data sources. No rip-and-replace. It connects via API to most major lending and procurement systems out of the box.
AICA runs on a private isolated LLM dedicated to your tenant, your borrowers' files never touch a public model. AES-256 encryption in transit and at rest, ISO 27001 certified, zero-trust access controls, full audit logging.
Indian credit isn't a regional flavour of global lending. AICA reads Indian documents natively (GSTR formats, Form 26AS, ITR, Indian bank statement layouts), speaks Indian credit-officer language (working-capital cycle, DSCR, related-party, promoter exposure), and catches Indian fraud patterns (GST-banking variance, round-tripping, common-director schemes).

Security & privacy

Bank-grade security.

Data stays inside. Private LLM certified to banking standards.

256-bit Encryption

End-to-end AES-256 encryption in transit and at rest.

ISO 27001 Certified

Audited information-security management system.

Read the security overview  →

Try AICA today

Redefine due diligence. On AICA.

120+ enterprises, from banks and NBFCs to funds and corporates, run their third-party due diligence on AICA.

Book a demo  →
  • ISO 27001 certified
  • Private LLM per tenant
  • RBI Digital Lending Guidelines
  • DPDP-aligned
  • A Recur Club product
A Recur Club product India's largest debt platform for startups & SMEs · ₹3,000 Cr+ deployed · 2,000+ companies funded Visit Recur Club ↗ Bharat Ke SuperFounders ↗