DocFlow · Credit intelligence
Underwrite credit from the documents, with the source always one click away.
DocFlow reads financials, bank statements, GST and ITR filings from scanned documents with our own DocIntel engine (the on-premise model recognised in the AI Grand Challenge), scores banking behaviour, and links every answer back to the page it came from.
Banking Analysis
Components
- Regularity8.4/10
- Turnover9.2/10
- Cash Deposits6.5/10
- Bounces7.8/10
- Concentration5.1/10
Composite of multiple banking signals.
Repayment Simulator
Live- EMI
- ₹16.49 L
- Total obligation
- ₹5.94 Cr
- Base DSCR
- 2.17xComfortable
- Stress -30%
- 1.52xManageable
The problem
Credit teams at banks and NBFCs spend hours keying numbers from PDFs and trusting them. One transposed figure changes a decision, and nothing is traceable back to source.
How it works
From input to a result you can stand behind.
- 01
Upload the documents
Drop in financials, bank statements, GST and ITR filings for the deal.
- 02
Extract & spread
DocIntel reads the figures and spreads them into a clean, editable financial view, with a confidence on every value.
- 03
Score & stress-test
Score banking behaviour and stress-test repayment against real scenarios.
- 04
Ask, with sources
Ask questions about the deal, and every answer links to the page it came from.
What's inside
Built for the work it does every day.
DocIntel extraction engine
Every document is read by DocIntel, the same on-premise model recognised in the national AI Grand Challenge, not an off-the-shelf OCR.
Banking Behaviour Score
A 0-1000 score composed from multiple banking signals, with confidence.
DSCR & repayment simulator
Model EMIs, obligations, and stress scenarios with live coverage ratios.
Source-linked Query Assistant
Every answer carries a clickable citation back to the exact page and line.
CA statutory-clause workspace
Surface statutory findings across an engagement in one deduplicated view.
Auditable spread & appraisal
A financial spread and appraisal note a reviewer can trust and trace.
A closer look
See it in motion.
| Line item | FY2023 | FY2024 | YoY% |
|---|---|---|---|
| Income | |||
| Revenue | ₹75.20 | +16.4% | |
| Other Income | ₹2.10 | +16.7% | |
| Profitability | |||
| EBITDA | ₹15.60 | +22.4% | |
| Net Profit | ₹9.72 | +29.6% | |
Figures in ₹ Cr.
Extracted by DocIntelScoped to Borrower D-2241 · figures pulled live, with source links.
At a glance
- Inputs
- Financials, bank statements, GST, ITR
- Engine
- DocIntel, on-premise
- Grounding
- Every value source-linked
- Status
- In pilot
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