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//UseCases/Underwriting Automation

From Partial Truth.To Full Picture.

From personal loans to SME loans, NTC to self-employed, we help you avoid over-lending to unstable profiles and under-lending to good borrowers.We help you move from "Is this document valid?" to "Should this loan exist?" by automating underwriting with advanced signals.

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Most loan decisions are still made on partial truth

Today's loan underwriting
Today's loan underwriting

Approves loans without seeing true cash flow

Prices risk without understanding income stability

Misses hidden obligations and behavioural red flags

Pushes edge cases into manual review, or worse, STP

The outcome is predictable
The outcome is predictable

Over-lending to unstable profiles

Under-lending to good borrowers

Risk surfacing after disbursal, not before

Automating underwriting based on advanced signals fixes this before the loan is approved.

From "Is this document valid?" to "Should this loan exist?"

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Underwriting Automation evaluates a loan applicant across

Income confidence

Declared vs observed income, variability, source quality

Loan serviceability

Existing EMIs, BNPL exposure, hidden credit behaviour

Cash-flow health

Surplus, burn rate, seasonality, dependency risks

Behavioural risk

Gaming, speculative trading, risky employers, volatile spend

The output
The output

Approve / Refer / Reject

Recommended loan amount

Safe EMI and tenure

Risk flags that explain why

Designed for scalable lending, not to slow down your speed

Plugs into loan journeys without changing flow

Works for personal loans, SME loans, NTC, and self-employed

Keeps STP intact while tightening risk

Feeds clean signals into your LOS / BRE

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