AI-Native Due Diligence For
Banks & NBFCsFintechs & DSAsIndian EnterprisesCredit Funds

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).