AI Credit Decisioning
In Seconds, Not Days
GammaCredit combines bureau data, bank statement analytics, income verification, and FOIR calculation into a single decisioning engine — giving your underwriters a complete picture of every borrower before they ever open a file.
Complete Credit Intelligence Stack
Six modules that work independently or as a unified underwriting pipeline.
Credit Worthiness Engine
AI-powered creditworthiness scoring that goes beyond bureau scores — combining bureau data, bank statements, GST filings, and behavioural patterns.
- Multi-bureau pull (CIBIL, Experian, CRIF, Equifax)
- Thin-file & no-bureau scoring
- Behavioural scoring model
- Custom scorecard per lender policy
Repayment Capacity Analysis
Real-time income assessment and cash flow analysis to determine a borrower's actual ability to repay — not just declared income.
- Salary credit pattern analysis
- Irregular income smoothing
- Seasonal cash flow modelling
- Net monthly surplus calculation
FOIR Calculation
Fixed Obligations to Income Ratio (FOIR) automatically computed from bank statement EMI debits and declared obligations — instantly, with no manual entry.
- Auto-detect EMI debits from statements
- Multi-account FOIR aggregation
- Configurable FOIR threshold per product
- Alert on FOIR breach before sanction
BSBS — Bank Statement Based Scoring
Deep bank statement analysis that extracts 200+ variables from 6–24 months of statements to generate a proprietary BSBS score for underwriting.
- 200+ derived variables
- Salary, credits, debits pattern
- Cheque bounce & overdraft flags
- Merchant & category spend analysis
Bureau Intelligence
Automated multi-bureau pulls with enriched data extraction — DPD history, active loan count, write-offs, settlement flags, and inquiry surge detection.
- CIBIL, Experian, Equifax, CRIF
- DPD & delinquency history
- Loan stacking detection
- Enquiry surge & credit-hungry flag
Risk Flagging & Alerts
100+ risk signals automatically checked and flagged — from fraud indicators to over-leveraged borrowers — before the file reaches underwriting.
- 100+ risk signal library
- Fraud pattern detection
- Over-leveraging alert
- Negative list / debarred entity check
Automated FOIR — Zero Manual Entry
Obligations detected from bank statements, FOIR calculated instantly, threshold checked against your policy.
How FOIR is Calculated
GammaCredit auto-detects EMI debits from 12 months of bank statements, aggregates across accounts, and checks against your configured FOIR limit before underwriting.
Bank Statement Based Scoring
200+ variables extracted from 6–24 months of bank statements to generate a proprietary credit score — ideal for thin-file and self-employed borrowers.
Underwrite Smarter, Faster
Deploy GammaCredit in your LOS today. 92% auto-decision rate, zero manual credit reviews.