AI-Powered Financial Analysis for NBFCs and Digital Lenders — The Fastest Way To
Underwrite Borrowers
3,000+ NBFCs and digital lenders use Finpass to analyse bank statements, GST, ITR, SMS, and more — with 99.5% accuracy in under 2 seconds.
Trusted by 3,000+ financial institutions
Built for Speed, Accuracy
& Scale
Everything an NBFC needs to automate underwriting — packaged into one intelligent platform.
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Avg response
Sub-2-Second Processing
Every bank statement, SMS batch, and ITR file is analysed in under 2 seconds — no queues, no delays, no manual touchpoints.
99.5%
Accuracy
99.5% AI Accuracy
Models trained on tens of millions of Indian financial documents deliver best-in-class extraction and classification accuracy.
8+
Data signals
One Unified Platform
BSA · SMS · Account Aggregator · GST · ITR · Invoice — every financial signal in a single API. No multi-vendor sprawl.
5
Certifications
Enterprise-Grade Security
ISO 27001, SOC 2 Type II, DPDP-ready. AES-256 at rest and TLS 1.3 in transit. Zero raw data retained after processing.
97%
Detection rate
Smart Fraud Detection
97% of risk patterns — salary manipulation, round-tripping, phantom credits — caught before the underwriter sees the file.
3–5d
Integration
REST API in Days
Sandbox access in minutes. Postman collections, language SDKs, and a dedicated integration engineer mean go-live in 3–5 days.
From Upload to Decision in Under 2 Seconds
See how NBFCs and banks use our AI-powered solutions to streamline underwriting and reduce risk.
Why Choose Finpass
One platform. Every financial signal. Zero manual work.
10x
Faster
Lightning Fast Processing
Process thousands of applications in minutes with optimised AI algorithms.
99.9%
Uptime
Bank-Level Security
256-bit encryption and full RBI compliance ensure your borrowers' data stays protected.
99.5%
Accuracy
AI-Powered Insights
Advanced ML models trained on millions of Indian documents deliver actionable credit signals.
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Response
Real-Time Decisions
Cloud-native infrastructure with async callbacks for bulk — instant for single-file analysis.
35%
Fewer Defaults
Smart Risk Assessment
Predict default probability with historical patterns and multi-bureau data fusion.
360°
View
Advanced Analytics
Full-funnel dashboards with drill-down into every loan application at every stage.
India's Most Comprehensive Financial Intelligence Platform
Finpass is the AI-native data intelligence platform purpose-built for NBFCs, digital lenders, and credit-risk teams across India. Our bank statement analysis API processes documents from 200+ banks in under 2 seconds — extracting income, EMI obligations, cash flow patterns, and fraud signals with 99.5% accuracy.
Unlike point solutions, Finpass unifies bank statement analysis, SMS transaction parsing, RBI Account Aggregator data, GST verification, ITR analysis, and invoice processing into a single credit view. This means your underwriting team gets a complete borrower picture — not fragmented data from five different vendors.
Our NBFC underwriting automation layer, Underwriting IQ, converts raw financial data into instant approve/reject recommendations — reducing loan processing from days to minutes. Over 3,000 financial institutions, from large NBFCs to fintech startups, rely on Finpass to power smarter, faster, and more compliant credit decisions.
Built with RBI compliance at its core, Finpass supports the full AA framework — consent-based, tokenized, and interoperable with all licensed Account Aggregators including Setu, Finvu, and CAMS. Enterprise deployments support private cloud on AWS, Azure, or GCP with full data residency control.
Security & Compliance
Enterprise-grade protection, built in
Trusted by 3,000+ financial institutions
ISO 27001
Encrypted & access-controlled
256-bit SSL
Bank-grade API encryption
ISO 30107
Liveness fraud prevention
DPDP Ready
India data protection compliant
SOC 2
Independently audited security
Ready to Automate Your Underwriting?
Join 3,000+ NBFCs already making smarter credit decisions with Finpass. Book a personalised demo — we'll show you results relevant to your portfolio.
We've Got the Answers You're Looking For
Find answers to common questions about our AI-powered financial analysis platform. Can't find what you're looking for? Our team is here to help.
Still Have Questions?
Our team of financial technology experts is ready to help you understand how our platform can transform your NBFC operations. Schedule a personalized demo today.