Credit Intelligence Unified in Minutes
Stop chasing data across 7 different portals. CarmaOne Credits Insights brings GST, bank statements, bureau reports, MCA filings, legal history, financials, and web intelligence into one comprehensive credit report in under 10 minutes.
Watch Credits Insights in Action
See how 7+ data sources become one intelligent credit report
7+ Data Sources. One Intelligent Report.
Every credit report pulls from multiple authoritative sources, cross-verifies data automatically, and highlights discrepancies before you even ask.
GST Portal
Sales trends, buyer-seller relationships, filing compliance, tax payment history
Credit Bureau
CIBIL, Experian, Equifax - credit history, existing exposures, repayment patterns
Bank Statements
Actual cash flows, deposit patterns, bounce rates, vendor concentration
MCA Filings
Company registration, director details, charge creation, compliance status
Legal History
Court cases, disputes, defaults, arbitration records, legal notices
Financials
P&L statements, balance sheets, ratio analysis, growth trends
Web Intelligence
News mentions, reviews, market updates, social signals
Why Credits Insights is India's Best Credit Analysis Platform
Purpose-built for Indian businesses with GST integration, bureau aggregation, and industry-specific benchmarking that generic tools can't match.
7+ Data Sources Unified
GST, Credit Bureau, Bank Statements, MCA, Legal History, Financials, and Web Search - all in one intelligent report.
Cross-Verification Engine
Triangulates GST transactions with bank deposits, validates bureau exposures, and confirms revenue authenticity.
Industry Benchmarking
20,000+ HSN codes mapped across 200+ industries for margin, working capital, and seasonal trend comparisons.
Fraud Detection
Detects circular trading, related party transactions, GST-bank mismatches, and document inconsistencies.
AI Credit Score
Proprietary scoring model consolidating all data into an objective, consistent borrower ranking.
10-Minute Reports
What once took days of manual effort now completes in under 10 minutes with richer insights.
From Days of Manual Work to Minutes of Intelligence
Replace fragmented data gathering with unified credit intelligence
- ×Login to 7+ different portals separately
- ×3-5 days to compile one credit report
- ×Manual data entry and reconciliation
- ×No cross-verification across sources
- ×Inconsistent analysis across underwriters
- ×Fraud signals missed due to siloed data
- One platform, all data sources unified
- Comprehensive report in under 10 minutes
- Automated data fetching and parsing
- Cross-verification engine validates everything
- Standardized AI scoring for consistency
- Fraud detection with automatic red flags
Trusted by Leading Lenders Across India
NBFCs, Banks, Fintechs, and Corporates rely on Credits Insights
How to Choose the Best Credit Analysis Software in India
Complete checklist to evaluate credit analysis platforms for your lending business.
Data Source Coverage
- GST Portal integration (official API access)
- All major credit bureaus (CIBIL, Experian, Equifax)
- Bank statement parsing with AI/OCR
- MCA, legal, and web data sources
Cross-Verification Capabilities
- GST-Bank revenue matching
- Bureau exposure validation
- Related party detection
- Document authenticity checks
Industry Intelligence
- HSN code-based benchmarking
- Sector-specific risk indicators
- Seasonal pattern recognition
- Peer comparison analytics
AI & Scoring
- Proprietary credit scoring model
- Transparent score explanation
- Customizable risk parameters
- Continuous model improvement
Integration & Speed
- REST API for LOS integration
- Report generation under 10 minutes
- Webhook notifications
- Bulk processing capability
Compliance & Security
- RBI guidelines compliance
- Consent management for bureau pulls
- Data encryption and privacy
- Complete audit trail
✓ Credits Insights meets all 6 criteria - making it India's most comprehensive credit analysis platform
Credit Analysis Challenges We Solve
Purpose-built to address the specific pain points Indian lenders face with credit assessment
❌ Days wasted gathering data from multiple portals
✓ All 7+ data sources fetched and unified automatically in minutes
❌ No way to verify if GST sales match bank deposits
✓ Cross-verification engine triangulates every data point
❌ Can't benchmark against industry peers
✓ 20,000+ HSN codes mapped for sector-specific comparison
❌ Related parties and circular trading go undetected
✓ AI detects hidden entity connections and suspicious patterns
❌ Different underwriters reach different conclusions
✓ Standardized AI scoring ensures consistent decisions
❌ Bureau data sits in isolation from financial data
✓ Bureau exposures validated against actual financials and GST
❌ Manual data entry leads to errors and delays
✓ Automated parsing with zero manual intervention
❌ No visibility into promoter discipline and history
✓ Director analysis across MCA, bureau, and legal databases
Credit Analysis for Every Lending Vertical
Customized credit intelligence for your specific lending use case
NBFCs
- ✓MSME term loan underwriting
- ✓Working capital assessment
- ✓Secured lending credit checks
- ✓Portfolio monitoring & EWS
- ✓Renewal & limit enhancement
Banks
- ✓SME banking credit assessment
- ✓Trade finance due diligence
- ✓Supply chain finance checks
- ✓Current account opening KYC
- ✓Credit card limit decisions
Fintechs
- ✓Digital lending credit checks
- ✓Invoice financing assessment
- ✓Buy now pay later scoring
- ✓Merchant cash advance
- ✓Revenue-based financing
Corporates
- ✓Vendor credit assessment
- ✓Dealer financing checks
- ✓Channel partner evaluation
- ✓Customer credit limits
- ✓Trade credit decisions
Private Credit
- ✓Deal due diligence
- ✓Portfolio company monitoring
- ✓Covenant compliance tracking
- ✓Exit readiness assessment
- ✓Secondary transaction analysis
Insurance
- ✓Credit insurance underwriting
- ✓Trade credit risk assessment
- ✓Policyholder evaluation
- ✓Claims fraud detection
- ✓Renewal risk scoring
Need credit analysis tailored to your specific lending product?
Get Started with Credits Insights in 3 Simple Steps
From demo to first credit report in just days. No complex integrations required to start.
Book a Demo
Schedule a 30-minute consultation where we'll understand your credit assessment needs, show you a sample report for your industry, and answer all your questions.
⏱️ 30 minutesPilot Setup
Our team configures Credits Insights for your specific use case, sets up your account with proper data source access, and trains your team on the platform.
⏱️ 2-3 daysGo Live
Start generating credit reports immediately. Scale from 10 to 10,000+ reports per month with API integration into your existing LOS as you grow.
⏱️ ImmediateReady to Transform Your Credit Assessment?
Join leading NBFCs, banks, and fintechs already using Credits Insights
What is Credit Analysis Software?
Credit analysis software is an AI-powered platform that automates the process of assessing the creditworthiness of businesses, particularly MSMEs, SMEs, and startups in India. Unlike manual credit assessment that requires analysts to log into multiple portals, gather data separately, and reconcile information across spreadsheets, modern credit analysis software unifies all data sources into one intelligent system.
CarmaOne's Credits Insights represents the next generation of credit analysis technology for India. By integrating 7+ authoritative data sources including GST Portal, Credit Bureaus (CIBIL, Experian, Equifax), Bank Statements, MCA filings, Legal databases, Financial statements, and Web intelligence, the platform creates a comprehensive view of any business entity's creditworthiness.
Key Components of Modern Credit Analysis
- Data Aggregation: Automatically fetch and parse data from GST, bureaus, banks, and other sources
- Cross-Verification: Compare data across sources to validate authenticity and detect discrepancies
- Industry Benchmarking: Compare borrower metrics against sector peers using HSN code mapping
- Fraud Detection: Identify circular trading, related parties, and document inconsistencies
- AI Scoring: Generate objective credit scores using machine learning models trained on Indian data
- Report Generation: Produce comprehensive, audit-ready credit reports in minutes
Who Needs Credit Analysis Software?
Any organization that extends credit to businesses can benefit from automated credit analysis: NBFCs providing MSME loans and working capital, banks with SME banking divisions, fintechs offering digital lending products, corporates assessing vendor and dealer credit, private credit funds conducting due diligence, and insurance companies underwriting credit insurance. The common thread is the need to make faster, more accurate credit decisions at scale.
With the growth of digital lending in India and increasing regulatory focus on responsible lending practices, having a robust credit analysis platform is no longer optional - it's essential for competitive advantage and risk management. Credits Insights by CarmaOne provides the comprehensive, India-specific solution that modern lenders need.
Integrate with CarmaOne's Complete Lending Suite
Credits Insights seamlessly integrates with CarmaOne's other solutions: Use it with our Loan Origination System (LOS) for end-to-end lending automation, connect with our Supply Chain Finance LMS for invoice financing decisions, or integrate with our Deal Management System for private credit fund operations.
Frequently Asked Questions
Everything you need to know about CarmaOne Credits Insights
Ready to Transform Your Credit Assessment?
Join leading lenders using Credits Insights. Book a demo and see your first comprehensive credit report in action.