Contact Point Verification (CPV)

Contact Point Verification (CPV) forms the foundation of borrower and business validation and on-ground authentication. CPV is executed through structured field protocols aligned with institution-defined verification frameworks.

On-Ground Field Investigation (FI)

Physical verification of borrower residence, business location, assets and collateral to validate declared information and assess ground realities.

Scope Includes:

• Residential and business address verification
• Assessment of business existence, infrastructure, manpower and activity
• Collateral and location inspection
• On-site document validation
• Neighbourhood and local market reference checks

Key Deliverables:

• FI report with geo-tagged and time-stamped photographic evidence
• Conclusive verification outcome supported by neighbour and market references
• Internal quality-reviewed submission aligned to institutional formats

Personal Discussion (PD) for Borrower Profile Assessment

Structured in-person interaction conducted with the borrower to assess profile consistency, background, stability and behavioural indicators relevant to credit evaluation.

Scope Includes:

• Borrower interaction and profile validation
• Assessment of continuity, background and stability indicators
• Corroboration of declared information through field observations

Key Deliverables:

• PD report with geo-tagged and time-stamped visit confirmation
• Borrower profile assessment supported by neighbour and market reference inputs
• Quality-reviewed submission

Income and Cash-Flow Assessment (Liquid / Annual Income Program)

Field-based assessment of earning capacity and repayment strength, particularly for self-employed and MSME borrowers, including formal and informal income streams.

Scope Includes:

• Evaluation of business operations and revenue generation
• Assessment of formal and informal income sources, including cash-based earnings
• Review of cash inflows, expenses and surplus
• Observation of stock levels, supplier cycles, customer footfall and operating scale
• Correlation of observed activity with declared income

Key Deliverables:

• Income assessment report with geo-tagged and time-stamped field evidence
• Estimated income and surplus indicators incorporating informal income observations, corroborated through local market and business references
• Quality-validated, audit-ready documentation supporting credit appraisal

Loan Segments Supported:

Our services support a wide range of retail, business and asset-backed lending portfolios, across secured and unsecured products, including but not limited to

• Retail and Consumer Lending – Personal Loans, Consumer Durable Loans, Two-Wheeler Loans
• Business and MSME Lending – Business Loans, MSME Loans, Working Capital Facilities
• Housing and Property-Backed Lending – Home Loans, Loan Against Property (LAP)
• Vehicle and Asset Finance – Auto Loans, Commercial Vehicle Loans, Construction and Farm Equipment Loans
• Agriculture and Allied Lending – Agriculture and rural credit products