Paarkho
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Credit due diligence for distributors, NBFCs, co-ops & B2B suppliers

Pehle Paarkho,
phir udhaar do.

Bureau, bank, GST, MCA aur shop visit — sab ek hi case file mein. Excel aur photocopy ki jagah ek scored, auditable decision, aapke apne pointers, weights aur seasons par.

Book a demoSee how a case is scored

↓ Download a sample report (PDF)Fictional borrower, illustrative figures

  • Your own bureau & bank contracts
  • Works with or without bureau connectors
  • A person makes every decision
  • Hosted in India
Illustrative sample screen · fictional borrower and figures
DD-2610-0042Shree Krishna Agro Kendra
Approved · checker
Score78.5 / 100
GradeB
Kharif limit₹4.8 L
  • KYC & Bureau19.5 / 22
  • Compliance26 / 31
  • Financial ratios31 / 42
  • Field verification2 / 5
Shop geo-tag is 1.8 km from the declared address — field score reduced
Interview: turnover stated ₹1.2 Cr vs ₹62 L in ITR — officer to probe
Built forAgri-input distributorsFMCG & kirana distributorsNBFCs & MFIsCo-operativesB2B suppliers
Hosted in IndiaIndian cloud regions
Your contracts, your keysProvider keys stay on the server
Maker-checkerA person decides every case
Every change loggedWho, what, when, which model version
Aaj ki problem

Credit files aaj bhi haath se bante hain

Scattered PDFs, one Excel model for every dealer, field visits that nobody can verify, and no clear answer when an auditor asks “why this limit?”

Today: Scattered evidence

CIBIL PDFs, bank statements, GST returns, MCA prints and photos sit in folders and WhatsApp.

With Paarkho: One case file

Every document, bureau pull, GST and bank figure and photo is attached to one case, with its source.

Today: Rigid scorecards

One Excel model for every dealer and every season. Missing data quietly scores zero — or full marks.

With Paarkho: Your own methodology

Your pointers, weights, bands, knock-outs and seasons. Missing data is flagged, not rewarded.

Today: Ghost shops

Field visits are a tick-box. Photos get reused across files; nobody checks where they were taken.

With Paarkho: Geo-tag and photo checks

Phone GPS against the declared address, plus a check for the same shop photo reused across cases.

Today: No audit trail

Who changed the score, why, and on which version of the model? Auditors and RBI inspectors ask.

With Paarkho: A trail you can open

Every override carries a reason, a user and a time, against a locked model version.

How it works

Case kholne se decision tak, paanch kadam

The same flow whether you lend to retailers, dealers or small businesses.

  1. Step 1: Pick your methodology

    Start from an industry template or clone your own. Set weights, bands, knock-outs, grade cut-offs and season multipliers.

  2. Step 2: Open a case

    PAN, GSTIN, address. Upload financials, bank and GST files; figures are extracted for the officer to confirm.

  3. Step 3: Pull data with consent

    Bureau, bank analysis, GST, MCA, PAN, Aadhaar (where permitted) and ITR, through your own provider contracts.

  4. Step 4: Verify on the ground

    A field agent geo-tags the shop from a phone. The borrower interview is recorded only with consent.

  5. Step 5: Decide, maker-checker

    Score, grade, suggested limit and red flags. Reviewers override with reasons. A branded PDF report is produced.

Scoring methodology

Aapke pointers. Aapke weights. Aapka season.

Rules can be score bands, yes/no, dropdowns or formulas such as debt ÷ net worth. Any pointer can be a knock-out. Kharif, rabi, festive or lean seasons move limits and cut-offs. Weights below are shown as a share of 100.

Agri-input dealer credit

A 100-point dealer scorecard: bureau band, bank conduct, field geo-tag and seasonal limits, with knock-outs.

Share of the 100-point score
  • KYC & Bureau22%

    Connectivity – e-mail valid · Connectivity – web / Google presence · Connectivity – mobile OTP verified · Credit bureau band (provider-normalised)

  • Compliance31%

    Entity status active (MCA / GST) · ITR filed – all last 3 AY · GSTR-1 & 3B filed till last month · Balance sheet type

  • Financial ratios42%

    Debt : Equity (3-yr avg) · Current ratio (3-yr avg) · Debtor days (3-yr avg) · Creditor days (3-yr avg)

  • Field verification5%

    Shop geo-tag within tolerance of declared address · Shop photo reused from another case

Rule types

Score bandsYes / noDropdownsFormulas

Seasons

Kharif (Jun–Oct)Rabi (Nov–Mar)Zaid (Mar–Jun)Annual average
Knock-outs in this template
  • Wilful defaulter / suit-filed in bureau
  • PAN not verified
  • Entity struck-off / GST cancelled

MSME credit from GST, bank and bureau

For small proprietors and new-to-credit firms with no financial statements.

Share of the 100-point score
  • Identity & Bureau23%

    Mobile + e-mail OTP verified · GST / business traceability · Credit bureau band · Wilful defaulter / suit filed

  • Compliance33%

    GST registration active · ITR filed – 3 AY · GST filing regular · GST operating quality

  • GST & bank behaviour44%

    GST turnover trend (YoY %) · Revenue concentration – top-3 buyers % · Bank credits vs GST turnover (%) · Bank bounces (6m)

Rule types

Score bandsYes / noDropdownsFormulas

Seasons

Normal
Knock-outs in this template
  • Wilful defaulter / suit-filed in bureau
  • GST cancelled/suspended

Kirana / FMCG distributor credit

Retailer credit with a cash-deposit check, shop geo-tag and photo-reuse knock-out, festive and lean seasons.

Share of the 100-point score
  • Identity & Bureau21%

    Mobile + e-mail OTP verified · GST / business traceability · Credit bureau band · Wilful defaulter / suit filed

  • Compliance30%

    GST registration active · ITR filed – 3 AY · GST filing regular · GST operating quality

  • GST & bank behaviour49%

    GST turnover trend (YoY %) · Revenue concentration – top-3 buyers % · Bank credits vs GST turnover (%) · Bank bounces (6m)

Rule types

Score bandsYes / noDropdownsFormulas

Seasons

Festive (Sep–Nov)NormalLean (Jun–Aug)
Knock-outs in this template
  • Wilful defaulter / suit-filed in bureau
  • GST cancelled/suspended
  • Photo reuse detected

Illustrative starter templates. You edit pointers, weights and thresholds to match your own credit policy.

↓ Download a sample report (PDF)3 pages: score build-up, red flags, override and audit trail

Audit & maker-checker

Auditor ka sawaal? Ek jagah jawab.

Every case keeps the evidence, the model version and each human action together, so “why this limit?” has an answer you can show.

  • Maker and checker are different people. Reviewers can override a score, but must record a reason.
  • Model versions are locked per case. Changing a template later does not rewrite an old decision.
  • Consent is recorded before data is pulled, with its purpose.
DD-2610-0042 · audit trailIllustrative sample
  1. Case opened by makerFictional user · 24 Oct, 10:12 IST
  2. Consent recorded, bureau pulledPurpose: credit assessment · consent C-2041
  3. Field visit: geo-tag 1.8 km offFlag raised, field score reduced
  4. Checker override: limit ₹5.5 L → ₹4.8 LReason recorded: field flag and ITR mismatch
  5. Methodology v3 locked · PDF issuedReport carries model version and reviewer
Data connectors

Jo data aap already lete hain, wahi jodiye

Bring your own contracts and keys. They stay on the server and never reach the browser.

Credit bureaus

  • CIBIL CommercialLive
  • CIBIL ConsumerLive
  • Experian IndiaLive
  • CRIF High MarkLive
  • Equifax IndiaLive

Bank & consent

  • Perfios bank analysisLive
  • FinBoxLive
  • Account AggregatorLive

Tax & registry

  • GST via GSP / ASPLive
  • ITR filing statusLive
  • MCA21 master dataLive

Identity & KYC

  • PAN verificationLive
  • Aadhaar e-KYC / DigiLockerLive
  • Video KYC (V-CIP)Live

“Sample data” means the connector runs on built-in sample responses; a live pull needs your own provider contract and credentials. Access to bureaus, Account Aggregator, Aadhaar e-KYC and V-CIP depends on your regulatory status; non-regulated businesses typically use borrower-shared reports, DigiLocker or a regulated partner. Provider names are trademarks of their owners; listing them does not imply a partnership or endorsement.

Field checks

Dukaan par kya hai, ye phone se verify kijiye

Two optional layers that help the credit officer check what the documents say against what is on the ground.

Declared addressShop geo-tag1.8 km

Shop geo-tagging

The field agent captures the shop from a phone. The officer sees how far it is from the declared address.

  • Phone GPS, accuracy and a server IST timestamp
  • Distance from the declared address on an OpenStreetMap view, flagged beyond 500 m
  • Photo fingerprinting flags likely reuse of the same shop photo across borrowers
  • EXIF location cross-check
Illustrative sample screen · fictional locations
“Turnover is about ₹1.2 Cr a year”ITR on file: ₹62 L · for officer to probe

Video interview beta

Advisory only. It never scores a case and never auto-declines one.

  • Consistency of stated turnover and vintage against documents
  • Record in the browser or upload, with explicit consent first
  • Transcript made in-house, with no third-party video service
  • Optional, off by default: hesitation prompts for the officer. Not reliable across languages and accents, and never used in the score
Illustrative sample screen · fictional borrower
Security & compliance

RBI aur DPDP ki expectations ko dhyan mein rakhkar banaya

The platform is designed around the practices these frameworks expect: consent, purpose limitation, human decision and an audit trail. Your compliance remains your responsibility.

What the platform does

  • Consent-based, purpose-limited data pullsConsent is recorded before a bureau, bank or GST pull. No access to phone contacts or media.
  • A human decision on every caseScores and flags assist the officer; they do not approve or decline on their own.
  • Audit trail for each actionOverrides, consents and model versions are logged with user and time.
  • Hosted in IndiaBengaluru or Mumbai regions. Each lender’s data is logically isolated from others.
  • Encrypted storage for documents and videoRetention follows your own policy; erasure on withdrawal subject to legal retention. No biometric template is created from video.

What stays with you

  • Your credit policyYou set the pointers, weights and thresholds.
  • The final decisionApprove, refer or decline remains a human call.
  • Your provider contractsBureau and data-provider agreements are yours.
  • Your regulatory obligationsMany distributors and suppliers are not RBI-regulated; NBFCs and co-operatives may be. Check with your compliance adviser.

This section describes product design and is not legal advice. No third-party certification or audit report is claimed on this page. A security and architecture note can be shared during a demo.

Pricing

Simple, indicative pricing

Indicative prices, excluding GST. Bureau and bank-analysis charges are billed at actuals.

Starter

₹4,999/ month · up to 50 cases · + GST
  • All starter templates
  • Field geo-tag
  • PDF reports
  • Maker-checker and audit trail
  • 2 users
Book a demo
Suggested for credit teams

Growth

₹14,999/ month · up to 300 cases · + GST
  • Multiple methodologies and seasons
  • Video interview layer (beta)
  • Custom pointers and weights
  • 10 users
Book a demo

Enterprise

Talk to usCustom volume and terms
  • Higher case volumes
  • Your cloud or on-premise option
  • SSO and API
  • Dedicated support
Talk to us

Final pricing is confirmed in your proposal.

FAQ

Aksar poochhe jaane wale sawaal

Do you replace our credit policy?

No. You configure your policy as a methodology; the system applies it consistently and records every override.

Can we move our existing Excel scorecard?

Your scorecard is re-created as a methodology (pointers, bands, weights, knock-outs). We walk through this on your own scorecard during the demo.

Which bureaus and bank-analysis tools can be connected?

CIBIL (commercial and consumer), Experian, CRIF High Mark, Equifax, Perfios, FinBox, Account Aggregator, GST via GSP, MCA, PAN, Aadhaar e-KYC (where permitted), Video KYC and ITR status. You use your own contracts. Each connector runs on sample data until it is connected to your contract and tested.

What if we do not have bureau access yet?

Each customer chooses how data comes in: Connected, Manual or Mixed. In Manual mode no connector is ever called and no pull consent is asked. Your team collects the credit reports, bank statements, GST and ITR from the party, uploads them and keys the figures; every keyed value shows its source document and who keyed it, and the checker approves as usual.

Can different products or seasons use different rules?

Yes. Clone a template per industry, product or season. Kharif/rabi, zaid, festive or lean-season multipliers adjust limits and cut-offs.

Is the video analysis a lie detector?

No. It produces advisory indicators, mainly consistency with documents, for the officer to probe. Optional hesitation prompts are off by default because they are not reliable across languages and accents. Nothing from video is used in the score, and it never auto-rejects.

How is borrower consent handled?

Consent is captured in plain language before data is pulled and is stored with its purpose. Withdrawal is honoured, subject to legal retention.

Who can see borrower data?

Access is role-based within your organisation, and each lender’s data is isolated from other lenders.

Where is data stored, and for how long?

In India. Documents and video are encrypted and retained per your own retention policy.

How long does set-up take?

Mostly it depends on how quickly your scorecard is agreed. We scope this with you in the demo rather than promise a number here.

Apne scorecard par demo dekhein

A walkthrough with your own credit policy in front of us, not a generic slide deck.

  1. You send a request and we reply to fix a time.
  2. A walkthrough of how your scorecard, seasons and knock-outs would be set up.
  3. Sandbox access on sample data, so your team can try a case end to end.

Book a demo

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