Simulated with sample data

Lender (NBFC)

A forged bank statement caught before disbursal

A loan file, checked before the officer sees it

A two-wheeler NBFC (sample)

10:02 am An application arrives from a branch: payslip, six months of bank statements, Form 16, PAN and Aadhaar. Nobody has to open five PDFs before deciding where to start.
10:03 am Every value is read and linked to the page it came from. Net pay on the payslip matches the salary credit in the bank statement. Your officer checks evidence, not paperwork.
10:04 am The statement is read transaction by transaction with the running balance checked. Two running EMIs are found. Obligations are worked out from the statement itself, not guessed.
10:05 am One of the statements was edited after the bank issued it. Inferova flags it instead of passing it. A forged document is caught before money goes out.
11:20 am A verification call in Hindi. The assistant says it is automated and checks identity with the last four digits of the application number before saying anything else. Borrower details are confirmed without staff time, and nothing is shared with the wrong person.
2:10 pm The credit officer sees the evidence and the flag, and asks for a fresh statement directly from the bank. A person decides, with everything in front of them.
4:30 pm The fresh statement checks out. The officer recommends approval and a second approver signs. No single person can approve a loan alone.
4:31 pm Every step is in the audit trail: who looked, what was flagged, who decided. When the auditor asks, the answer is already written down.