WHY AICA
Built for the way Indian credit actually works.
Only AI platform built natively for India's regulatory reality. RBI-compliant. Data stays inside your perimeter.
THE MOAT
Why a global tool can't do this.
Indian credit is structurally different. Different bureaus, regulators, filings, fraud patterns. AICA is built natively for it.
RBI Digital Lending compliant from day one. No retrofit. Compliance is architecture, not a checkbox.
Bureau, GSTN, NCLT, MCA21, EPFO & major bank statements. All wired, consent-based, continuously updated.
Data stays inside. Private LLM for financial data. Borrower files never touch public models.
Bank-grade security. AES-256 encryption. Zero-trust controls. Audited ISMS.
WHAT THIS LOOKS LIKE IN PRACTICE
Indian credit, end to end.
Recognizes Indian financial documents. Runs Indian regulatory checks. Generates RBI-ready audit packs.
- Reads Indian documents natively
GSTR, Form 26AS, ITR, SA-700, Form DIR-3, Indian bank statements. 60+ document types.
- Speaks Indian credit-officer language
Working-capital, Debt-to-EBITDA, DSCR, promoter exposure, related-party. Indian credit vocabulary built-in.
- Catches Indian fraud patterns
GST-banking variance. Round-tripping signals. Common-director schemes. Shell-company patterns. Built into the EWS layer.
SECURITY & PRIVACY
Privacy first and second.
Data stays inside. Private LLM certified to banking standards.
Zero-trust access. Segmentation, least privilege, RBAC.
E2E encrypted, hardware-backed keys. No plaintext PII.
Audited ISMS. Annual recert. Documented IR & change controls.
Private LLM. No data egress. Audit logs on demand.
Banks, NBFCs, enterprises, behind their own firewalls.
Timestamped & sourced. RBI audit packs on demand.
THE STORY BEHIND AICA
Built by Recur Club.
Built by the team behind India's largest AI-native debt platform since 2021.
Backed by InfoEdge Ventures.
SEE IT IN ACTION
India's lending stack, rebuilt as AI.
Book a demo. We'll show you exactly what "built for India" looks like in production.
A Recur Club product