// NBFCs/Other Retail Loans

Lending to Retail.

We Connect Every
Signal.

From kirana shop verification to income seasonality detection to network-risk alerts, we help retail lenders sanction faster, detect fraud earlier, and approve smarter. Because in retail lending, trust isn't built on documents, it's built on intelligence.

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Group Lending Fails When Household Risks Stay Hidden

Paperwork Blindspots

Basic KYC, bureau scores, and CPV checks miss real business activity, spending behaviour, seasonality, and hidden fraud signals.

Misclassified Borrowers

Wrong MCCs or weak statement checks distort LTV, repayment capacity, and early-stress assessment.

Manual Dependencies

Field visits, manual PDs, and document-led verification delay decisions and push good borrowers to faster competitors.

Undetected Stress & Fraud

PDF tampering, disguised inflows, overleveraged households, and network-level risks slip through early checks leads to diversion risk and stressed portfolio quality.

IDfy Reimagines Other Retail Loans

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Automated parsing with tamper detection
Categorizes inflows/outflows (cash, UPI, POS, salary, EMI load)
Detects disguised income, leakage, diversion, seasonality
Computes surplus and EMI-to-income ratios

Why IDfy for Retail Lending

MSME (Kirana)

85% faster onboarding by removing CPV
Correct MCC → higher approval accuracy
Seasonality & surplus factored into underwriting → lower NPAs
Complete business profile from Day 1

Retail Unsecured

70% reduction in TAT → same-day approvals
Fraud cut at source via multi-signal screening
Early stress detection reduces NPAs
Higher approval rates for thin-file borrowers via alternate data

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

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Director

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

Sameer Jadhav

Vice President

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

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

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

Devrat Singh

Senior Product Manager, Blackbuck

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

Kirti Patil

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Director

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

Sameer Jadhav

Vice President

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

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

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

Devrat Singh

Senior Product Manager, Blackbuck

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

Kirti Patil

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Director

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

Sameer Jadhav

Vice President

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

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

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

Devrat Singh

Senior Product Manager, Blackbuck