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// NBFCs/Microfinance

Financing Communities.

We Map Every Household.

From hidden cross-loan exposure to manual field collusion to unverified business use, we help MFIs uncover the household-level risks that basic KYC can't reveal. Because in microfinance, what's unmapped at the household level becomes the PAR you manage tomorrow.

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Group lending fails when household risks stay hidden

Household Blindspots

Household Blindspots

Basic KYC and manual visits fail to reveal household composition, cross-loan exposure, and genuine borrower intent.

Unseen Overleveraging

Unseen Overleveraging

Multiple loans across group members or shared households remain undetected without voter-based mapping.

Collusion in Field Checks

Collusion in Field Checks

Manual verification allows officers to bypass checks for known borrowers, masking eligibility issues.

Weak Utilization Tracking

Weak Utilization Tracking

No proof of business use post-disbursal leads to diversion risk and stressed portfolio quality.

IDfy turns SME lending into a risk-proof advantage

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  • Identify related individuals across addresses, shared IDs, and known high-risk relationships.
  • Run AML & PEP checks at both borrower and group levels.
  • Spot stressed households, shared vendors/customers, or high-risk links.

Why IDfy for microfinance

Household-level risk detected upfront to prevent hidden overleveraging

Reduced collusion via digital, geo-verified field visits

Verified loan utilization leading to stronger portfolio quality

Lower PAR & higher repayment rates through continuous validation

Trust at scale

Numbers don't lie. Neither do we.

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Increase in Sales Conversion
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Reduction in Onboarding TAT
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Increase in GWP Per Customer
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Accuracy on Liveness Detection

Voice of the customers & awards

IDfy has significantly improved our fraud prevention capabilities with accurate verification.

Kirti Patil

Kirti Patil

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Abhinav Puneeth

Director

The platform enables seamless identity checks that scale efficiently across teams.

Sameer Jadhav

Sameer Jadhav

Vice President

With the adoption of IDfy's Background Verification Services, we were able to improve our processes significantly.

Amarendra Nath Mishra

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

It has been an absolute pleasure working with IDfy over the past 4-5 years.

Devrat Singh

Devrat Singh

Senior Product Manager, Blackbuck

IDfy has significantly improved our fraud prevention capabilities with accurate verification.

Kirti Patil

Kirti Patil

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Abhinav Puneeth

Director

The platform enables seamless identity checks that scale efficiently across teams.

Sameer Jadhav

Sameer Jadhav

Vice President

With the adoption of IDfy's Background Verification Services, we were able to improve our processes significantly.

Amarendra Nath Mishra

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

It has been an absolute pleasure working with IDfy over the past 4-5 years.

Devrat Singh

Devrat Singh

Senior Product Manager, Blackbuck

IDfy has significantly improved our fraud prevention capabilities with accurate verification.

Kirti Patil

Kirti Patil

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Abhinav Puneeth

Director

The platform enables seamless identity checks that scale efficiently across teams.

Sameer Jadhav

Sameer Jadhav

Vice President

With the adoption of IDfy's Background Verification Services, we were able to improve our processes significantly.

Amarendra Nath Mishra

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

It has been an absolute pleasure working with IDfy over the past 4-5 years.

Devrat Singh

Devrat Singh

Senior Product Manager, Blackbuck