MSME Financial Health · relationship-manager console
Reading the financial pulse of businesses the balance sheet never sees.
GST · UPI · Account Aggregator · EPFO — fused into a six-dimension Health Card, an explainable score, and a finished underwriting memo.
validated on 5,000 synthetic MSMEsheld-out AUROC 0.871KS 0.57627 features · 6 dimensions
On the desk
8 files
Average score
644
Average PD (12m)
13.48%
Recommended exposure
₹196 Cr
Decisions
3 approve · 3 refer
■ A+ × 1■ A × 1■ B × 1■ C × 3■ D × 1■ E × 1
The book, mapped — score vs PD, sized by exposure
click a bubble to open the fileOn the radar this morning
6 signals · rule-based EWSRathod Auto Components — Below EWS threshold — 442 today, 12 of last 12 months under the lineactGanpati Constructions — Below EWS threshold — 543 today, 12 of last 12 months under the lineactRathod Auto Components — 2 EMI/NACH bounce(s) on the wirewatchGanpati Constructions — 3 EMI/NACH bounce(s) on the wirewatchMeenakshi Textiles — Top payer at 56% of revenuenoteBlue Tiffin Kitchens — Top payer at 62% of revenuenote
This morning’s book — click a file to open its Health Card
press 1–8 to open a file · c to compareChandra Kirana Stores
Retail Trade · Indore · 6 yrs · T1
762± 40
PD 12m
1.4%
Approve1 flag
Meenakshi Textiles
Textiles · Surat · 11 yrs · T3
711± 15
PD 12m
2.0%
Approve1 flag
Rathod Auto Components
Manufacturing · Pune · 14 yrs · T3
442± 15
PD 12m
62.9%
Decline2 flags
Blue Tiffin Kitchens
Food Services · Bengaluru · 2 yrs · T2
632± 25
PD 12m
6.5%
Refer1 flag
Shree Balaji Pharma Distributors
Pharma Trade · Nagpur · 18 yrs · T3
805± 15
PD 12m
0.0%
Approveclean
Kaveri Agri Tools
Agri Inputs · Coimbatore · 9 yrs · T2
621± 25
PD 12m
6.5%
Referclean
Noor Fashion House
Apparel Retail · Lucknow · 4 yrs · T1
632± 40
PD 12m
6.5%
Refer1 flag
Ganpati Constructions
Construction · Ahmedabad · 12 yrs · T2
543± 25
PD 12m
21.9%
Starter product2 flags