GST and banking data signals for MSME Business Underwriting

Triangulate transactions, assess business health, and evaluate risks by combining banking, GST, and ITR data.

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Trusted by Leaders

Categorisation Engine

Unlock the Full Potential
of Rich Transaction Data

EMI detection

Detect and identify any existing EMIs, loan types, and repayment consistency

Classify business transactions

Separate business credits and debits from personal transactions for accurate assessment

Health Indicators

Analyse margins, seasonality, repeat orders and concentration risks

Data Triangulation

Triangulate transactions across banking, GST and ITR data to reduce fraud

Outcomes

Back every decision with data

Cross-verify declared income with GST and banking data

Real-time proxies for P&L analysis

Lower dependency on physical document verification

Reduce decisioning time from days to minutes

Optimised UX

Collect Banking & GST consent in a single journey

Faster credit assessment with cash-flow and turnover insights

Collect consent for underwriting, limit reviews, and portfolio monitoring

Enable periodic data pulls for credit end use monitoring

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Identify persona

Detailed profile analysis

Categorise profiles into B2B, Merchant, Self-employed, or Non-primary accounts

Advanced persona identification: Wholesaler, Distributor,  Retail Merchant, Self-employed, Professional, etc.

Evaluate compliance Score and financial reporting behaviour of borrower

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Income Estimation

Accurate income estimation

Track month‑on‑month changes in receivables, payables, inventory and bank balances

Detect gaps between billed sales and realised bank credits

Monitor how quickly each working capital cycle converts back to cash

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Cash-flow analytics

Understand business risks

Score top revenue contributors on compliance and potential reversal risks

Calculate concentration risk in overall sales

Track receivables ageing and average payment days

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What you can do

Orchestrate better financial workflows with Ignosis

Underwriting

Credit Risk Ops

Auto-generate credit assessment memos using verified income, cash-flow trends, obligations, and PD insights.

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Monitoring

Monitor use of credit

Track early stress signals in near real time to proactively manage exposure, trigger limit adjustments, or initiate engagement.

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Underwriting

Define credit limit

Use transaction-level income, spending behaviour, and existing obligations to dynamically set credit limits.

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case studies

L&T Finance adopts credit-specific analytics models to improve income estimation and repayment capacity evaluation

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>10

minute Loan Approval TAT

15%

reduction in total NPA

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testimonials

What our clients are saying

"We have been able to bring Ignosis's Account Aggregator (AA) orchestration capabilities to enable a faster, safer, and smoother data sharing experience for borrowers. It has allowed us to make more informed credit decisions and enhance access to credit for our customers."

Mohit Gupta

Chief Product Officer

“Ignosis team is extremely accessible and always on top of what is happening. What I liked most is that they always seek to understand the value they are creating for the client"

Swapnil Patil

Chief Product Officer

“Ignosis's analytics has enhanced our underwriting process through improved income detection accuracy. Their AA orchestration was seamless to integrate.”