SME Credit Memo Generator · Architecture
How it works
Applications received
34
todayMemos generated
18
7 pending reviewAvg processing time
4.2h
application to memoApproval rate
68%
last 30 daysAvg loan amount
₹68.0L
across all typesAgent pipeline6 modules · 5 LLM decision points
📥Application IntakeReceives loan application, validates mandatory fields, checks eligibility criteria
🔍GST & Bureau PullFetches 24-month GST returns from GSTN and credit reports from CIBIL/CRIF
🏦Bank Statement AnalysisClassifies transactions, detects patterns, flags irregularitiesLLM
🧠LLM Financial ParsingOCR + structured extraction of financial ratios, cross-validation with GST dataLLM
⚖️Risk Rating EngineAnalyses risk flags, computes ratios, maps to CR1–CR10 scaleLLM
📝Memo GenerationGenerates structured credit memo with evidence citations and regulatory complianceLLM
Assessment dimensions5 dimensions · weighted scoring
Revenue & Trade
25%GST-reported turnover trends, trade receivables/payables, sector-adjusted growth rate
Monthly GST filings (GSTR-1/3B)YoY revenue growth %Receivables turnover ratioKey buyer/supplier concentration
Banking Behaviour
25%Account aggregator data — inflows, balance maintenance, cheque bounces, EMI regularity
Avg monthly bank balanceInward cheque bounce %EMI regularity scoreCash credit utilisation pattern
Credit History
20%Bureau score (CIBIL/CRIF), existing exposure, DPD history across lenders
CIBIL/CRIF scoreTotal existing exposureMax DPD in last 12 monthsNumber of active accounts
Financial Statements
15%P&L, balance sheet and cash-flow ratios extracted and validated by LLM
DSCR (Debt Service Coverage)Current ratioPAT margin %Debt-to-equity ratio
Business Profile
15%Vintage, industry risk, promoter experience, MCA compliance, trade references
Business vintage (years)Promoter experienceMCA filing complianceIndustry risk classification
Rating distribution188 applications
CR1
12
CR2
28
CR3
42
CR4
35
CR5
24
CR6
18
CR7
14
CR8
8
CR9
5
CR10
2
Application queue10 applications
| Business Name | GSTIN | Loan Amount | Type | Internal Rating | CIBIL Score | Status | Last Action |
|---|---|---|---|---|---|---|---|
Bharat Auto Components Pvt Ltd Rajesh Tandon · Auto Ancillary | 27AABCB1234A1Z5 | ₹75.0L | Term Loan | CR3 | 762 | Memo Drafted | Credit memo draft generated 42 min ago |
Sai Pharma Distributors Meena Kulkarni · Pharma Distribution | 29AADCS5678B2Z3 | ₹30.0L | CC | CR2 | 791 | Approved | Approved by credit head 1d ago |
GreenLeaf Exports LLP Arvind Deshmukh · Agri Export | 24AABFG9012C3Z1 | ₹1.50 Cr | WCDL | CR4 | 734 | Under Review | Sent to credit committee 3h ago |
Deccan Textiles Fatima Begum · Textiles | 36AADCD3456D4Z9 | ₹50.0L | OD | CR3 | 748 | Analyzing | Bank statement analysis in progress 1h ago |
TechFab Solutions Nikhil Joshi · IT Services | 27AABCT7890E5Z7 | ₹20.0L | Term Loan | CR5 | 698 | Bureau Done | Bureau report received — 2 flags 2h ago |
Lakshmi Rice Mills Suresh Reddy · Food Processing | 37AABLR2345F6Z4 | ₹1.00 Cr | CC | CR2 | 785 | Approved | Disbursement initiated 2d ago |
Metro Buildcon Harpreet Singh · Construction | 06AABMB6789G7Z2 | ₹2.50 Cr | Term Loan | CR6 | 642 | Rejected | Rejected — high leverage, DSCR < 1.0 1d ago |
Priya Electronics Anand Sharma · Consumer Electronics | 09AABPE1234H8Z0 | ₹15.0L | OD | CR4 | 721 | GST Pulled | GST returns pulled — 24 months 30 min ago |
Coastal Seafoods Pvt Ltd Joseph Fernandes · Seafood Export | 32AABCS5678I9Z8 | ₹80.0L | WCDL | CR3 | 756 | Memo Drafted | Memo awaiting reviewer assignment 5h ago |
Dharma Logistics Pankaj Agarwal · Logistics | 19AABDL9012J0Z6 | ₹40.0L | Term Loan | CR7 | 668 | Received | Application received — pending intake 15 min ago |
Score profile · Bharat Auto Components Pvt LtdCR3
Revenue & Trade
82
Banking Behaviour
78
Credit History
76
Financial Statements
71
Business Profile
85
LLM decision points5 AI-driven steps
Financial Data ExtractionParses uploaded documents (P&L, balance sheet, ITR, bank statements) into structured JSON with validation checks
InPDF/image uploads, OCR output
OutStructured financial line items with confidence scores
Ratio ComputationComputes 12+ financial ratios (DSCR, current ratio, DE, PAT margin, interest coverage) and flags anomalies
InExtracted financials, GST data, bank statements
OutRatio table with trend analysis and sector benchmarks
Risk Flag IdentificationIdentifies red flags: revenue-GST mismatch, circular transactions, sudden balance spikes, related-party exposure
InAll extracted data, bureau report, bank categorisation
OutRisk flag list with severity (high/medium/low) and evidence
Internal Rating (CR1–CR10)Maps weighted dimension scores to the bank’s internal rating scale with confidence band
In5 dimension scores, risk flags, sector risk matrix
OutCR rating + confidence interval + override triggers
Credit Memo DraftingGenerates bank-format credit memo: borrower profile, financials, risk assessment, terms, conditions, and recommendation
InAll scores, flags, ratios, borrower data
OutDraft credit memo (Word-format) with evidence citations
Compliance guardrailsAll enforced · RBI + CGTMSE
✓
RBI MSME Lending GuidelinesTurnover-based classification enforced; PSL tagging validated before sanction
✓
CGTMSE (₹10L collateral-free)Loans up to ₹10L auto-flagged for CGTMSE cover; collateral not required
✓
Fair Practices CodeRejection reasons mandatory in memo; borrower notification within 15 days
✓
Account Aggregator ConsentFI data fetched only with valid AA consent artifact; revocation honoured in real-time
✓
Turnover-based ClassificationMicro/Small/Medium classification per MSME Development Act; auto-computed from GST data
Connectors required9 integrations
GSTN PortalPulls 24-month GSTR-1, GSTR-3B returns and filing compliance status
REST API + ASPInbound
Credit Bureau (CIBIL/CRIF)Commercial + consumer bureau reports, score, existing exposure, DPD history
REST APIRequest/Response
Account AggregatorBank statements, deposit data, insurance via ReBIT-standard FI fetch
AA Framework v2Consent-based
MCA PortalCompany master data, director details, charge sheet, annual filings
REST + ScrapingInbound
DigiLockerVerified PAN, Aadhaar, GST certificate, incorporation certificate
REST API (NAD)Consent-based
Core Banking SystemExisting account relationships, FD/collateral data, internal ratings
REST / JDBCBidirectional
LOS (Loan Origination)Application lifecycle, workflow triggers, document management, disbursement
REST APIBidirectional
DMSUploaded financials, KYC documents, signed sanction letters, storage and retrieval
REST + S3Bidirectional
LLM APIClaude API — document parsing, ratio computation, risk analysis, memo generation
HTTPSRequest/Response
End-to-end agent workflowFull orchestration pipeline
End-to-end SME loan underwriting from application intake through multi-source data ingestion (GST, Bureau, Account Aggregator, MCA), 5-dimension weighted scoring, risk flag identification, internal rating (CR1–CR10), and credit memo generation.
Workflow execution sequence
Node types & classificationsStartLLM Decision PointDecision GateEscalationOutcomeHuman-in-the-LoopProvision / Protocol