NBFCs
RBI-aligned KYC, CERSAI verification, bureau pulls, collections intelligence, and DPDP 2023 governance — purpose-built for India's non-banking financial companies.
One platform. Every capability
your team needs.
RBI-Aligned KYC & CERSAI Orchestration
Aadhaar-based eKYC, video KYC, CERSAI property search, RC/DL verification, and GSTIN — all through one API. RBI-compliant audit trails generated automatically for every call.
MSME & Business Verification
MCA21 director lookup, GSTIN status, GST return analysis, and CERSAI charge search — orchestrated for MSME and business loan origination workflows.
Portfolio Early Warning
AI behavioural signals surface stress indicators in your loan book 6–8 weeks before a missed EMI. Enables proactive restructuring and collections prioritisation before NPAs crystallise.
Collections Intelligence
Propensity-to-pay modelling ranks delinquent accounts by recovery likelihood. AI-driven contact strategy optimisation improves collections efficiency by 28%.
Data Governance & RoPA for NBFCs
Build a complete Data Points Registry mapping every data field in your loan pipeline to its DPDP lawful basis. Generate RoPA for RBI or DPA inspection in minutes.
Bureau & Vendor Risk Monitoring
Monitor CIBIL, Equifax, CRIF, and all data processor partners against breach signals. Automated DPO approval flows flag issues before they become your liability.
Better than bureau-only
lending decisions
| Capability | Bureau Only | Tenacio Sense |
|---|---|---|
| Coverage for thin-file / NTC borrowers | ✗ NTC rejection | ✓ Alternate data scoring |
| Contactability before outreach | ✗ Not available | ✓ Multi-channel reachability score |
| Fraud & authenticity scoring | ~ Watchlist only | ✓ Device + behaviour + network |
| Location & housing strata intelligence | ✗ Not available | ✓ India's best location layer |
| Post-BRE-rejection fraud signals | ✗ Not available | ✓ Multi-signal consistency checks |
| Collections contactability & skip tracing | ✗ Not available | ✓ Late-bucket recovery suite |
| Real-time API decisioning | ~ Batch only | ✓ Sub-second response |
Reduce First EMI Default
by up to 60%
Most first-EMI defaults are visible before disbursal — if you know where to look. Sense combines RBI-mandated compliance checks with behavioural and digital signals to flag high-risk borrowers before the first EMI is due.
MNRL & FRI Compliance
Automated checks against the Mobile Number Revocation List and the Financial Fraud Risk Indicator — the RBI-mandated screens that catch recycled numbers and flagged-fraud profiles before you extend credit.
Phone & Email Vintage
How long a number or email has been active is one of the strongest predictors of genuine intent. Sense scores vintage across both to separate long-standing customers from freshly created identities.
WhatsApp Contactability
Verify that a borrower is genuinely reachable on WhatsApp before disbursal — a leading indicator of post-disbursal contactability and early-bucket collections success.
Digital Footprint
A consistent digital footprint across apps, platforms, and services signals a real, stable borrower — while a thin or inconsistent footprint is an early warning sign for first-EMI risk.
Real-time Business Loan
Classification for PSL
Classify business loans for Priority Sector Lending compliance the moment they're originated — not weeks later during an audit.
Real-Time KYB Udhyam Verification
Verify Udhyam Registration instantly at loan origination to classify MSME business loans for Priority Sector Lending — automating PSL reporting and eliminating manual classification backlogs.
Heard from the people
who run these businesses
"We used to manage 9 separate vendor contracts for KYC and bureau pulls. Tenacio collapsed that into one integration in under a week. Our ops cost dropped by 16% in month one."
"Early warning signals from Sense gave us a 7-week heads-up on accounts that eventually defaulted. That intervention window changed our collections game entirely."
"Shield took us from a compliance gap assessment to a fully audit-ready state in 5 weeks. Our DPO presented the RoPA to the board and they were genuinely impressed."