A financial health score for
credit-invisible MSMEs
FinRiskLens AI aggregates alternate data — GST returns, ITR, Account Aggregator bank statements, UPI patterns, and EPFO payroll — to compute a 6-dimension health score (0–1000) for New-to-Credit and New-to-Bank enterprises.
One score, six dimensions
Every Financial Health Score (0–1000) is a weighted blend of six sub-scores, each traceable to the exact data it was computed from — with plain-language reasons, not black-box numbers.
Revenue Vitality
25%Real, growing, consistent revenue — GST turnover trends and ITR income stability, cross-checked against each other.
Cash Flow Health
20%Cash cushion and inflow predictability from consented Account Aggregator bank statements — balances, volatility, bounce rates.
Transaction Trustworthiness
15%Quality of the customer base from UPI patterns — counterparty diversity, repeat payers, transaction velocity.
Compliance Quotient
15%Regulatory discipline — GST and ITR filing regularity plus EPFO contribution consistency, a strong proxy for repayment discipline.
Business Stability
15%A durable, ongoing concern — business vintage from Udyam, employee headcount trends from EPFO, and sector risk.
Debt Serviceability
10%Existing obligations vs. capacity — EMI-to-inflow ratio and projected DSCR. No credit history? Scored neutrally, never penalized.
Built for New-to-Credit India
No credit bureau file needed. FinRiskLens AI reads the digital exhaust every registered MSME already produces — with the owner's explicit consent at every step.
Alternate Data, Consent-First
Five verified sources instead of a bureau file: GST returns, ITR filings, Account Aggregator bank statements, UPI transaction patterns, and EPFO payroll — anchored on Udyam-verified identity.
- Udyam-first onboarding — just your registration number
- AA-framework consent for 6–12 months of bank data
Scores in Seconds
Once data is collected, the ML scoring pipeline computes all six dimensions, explanations, and product recommendations in under five seconds.
Explainable & Fair
Every sub-score comes with plain-language reasons — e.g. "3 of last 6 GSTR-3B filings were late". Declining bank-data consent never looks like bad credit: the score adapts, and says so.
One score, the whole lending ecosystem
Your Financial Health Card flows straight into IDBI's Loan Origination System and is published to the ULI/OCEN network — so any participating lender can act on it. Scores map to real products: working capital, CGTMSE-backed loans, and MUDRA schemes.
Know your business's financial health
Enter your Udyam Registration Number, verify by email OTP, and get a Financial Health Card your lender can trust — in minutes, not weeks.