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The Reconciliation OS for Indian NBFCs

ReconcileSmarter.Close Faster.

Most NBFCs run reconciliation on Excel, three analysts, seven days, every single month. CredAssist ends that with one upload, built as an internal decision-support tool for your ops and credit teams.

Book a Demo See the problem →
7
Days saved / month
0
Rows in half a second
3
Matching stages, one pass
credassist, reconciliation run, processing live
UTR ReferenceAmountStatusBorrower
0 / 200 processed
Matched
0
Mismatch
0
Missing
0
Duplicate
0
The Problem

Every NBFC does this
in Excel. Every month.

Loan officers spend the last week of every month cross-referencing bank statements against LP data and internal ledgers, manually. Three people, seven days, twelve times a year.

CredAssist automates the entire pipeline. Upload your files, map your columns once, run. Your analysts get their week back.

NACH MandatesDPD LogicNPA ClassificationUTR NormalizationCo-lending Splits
2–3
Analysts tied up monthly
Running VLOOKUP chains and manually matching UTRs across three different sheets
7
Days per reconciliation cycle
That's 84 analyst-days per year on work that shouldn't exist
TIME TO RECONCILE 1000 UTRs
Excel (manual)
7 days
CredAssist
< 30s
The Platform

Three products,
one lending-ops platform

Three products on one platform, sharing the same uploads, mappings and portfolio. Live today, and hardening in production pilots with a partner NBFC.

01
PRODUCT 01
Live
UTR Reconciliation
The flagship. Match thousands of UTRs against bank statements, LP data and your ledger in one pass, prefix-agnostic, tolerance-aware, no template.
  • Strips IMPS / NEFT / RTGS / UPI prefixes automatically
  • Configurable amount tolerance & partial UTR match
  • Matched / mismatch / missing / duplicate flags
02
PRODUCT 02
Live
Bank Statement Analyzer
Drop a borrower's statement, PDF, Excel or CSV, and get income, FOIR, balances, bounce history and risk flags on one screen, without an enterprise analytics contract.
  • Income estimation, FOIR & balance profile
  • Bounce, reversal & risk-flag detection
  • Business / multi-party account detector built in
03
PRODUCT 03
Live
Portfolio + Early Warnings
Derive a living view of your book from any reconciliation run, then watch every borrower carry a risk colour before accounts drift toward NPA.
  • AUM, DPD buckets & collection view
  • Green / yellow / orange / red borrower scoring
  • Bureau grade engine in private testing
How It Works

Three steps to a
clean reconciliation

01
Upload your files
Bank statement, LP data, internal ledger, drop them all at once. Excel and CSV both work. No template required.
02
Map your columns
Auto-detects UTR, amount, and date from 20+ known aliases. Confirm or adjust. Saved after first run, never repeat it.
03
Get your report
Every UTR flagged: matched, mismatched, missing, duplicate. Export to Excel. Done in under 30 seconds.
MATCHING ENGINE, CORE IP
→Strip IMPS / NEFT / RTGS / UPI / FT / CMS / IFT prefixes
→Normalize amounts with ±configurable tolerance (₹0–₹10)
→Cross-match across all uploaded sources in one pass
→Partial UTR on last 12 digits catches prefix variations
→Dates normalize DD/MM/YYYY, DD-Mon-YYYY, ISO auto
→Extract loan numbers from narration text when sheets carry none
→Suppress mismatches explained by GST / admin / convenience fees
✓  25,000 rows written in 0.5 seconds on our stress test
UTR NORMALIZATION, LIVE EXAMPLE
IMPS240614103241→240614103241
NEFT0240614103241→240614103241
UPI240614103241→240614103241
All three resolve to the same core → MATCHED ✓
Features

Everything your ops team needs

The wheel walks through each module on its own — hover to pause and dig in

5
Modules
Pricing

1/10th the cost of enterprise software

3-day trial included with every plan  ·  + 18% GST applicable

Standard
Pricing on call
Reconciliation engine only. Ideal for getting started with automation.
  • UTR reconciliation engine
  • Configurable amount tolerance
  • Column mapping (saved)
  • Excel export
  • 3 user seats
Book a Demo
MOST POPULAR
Premium
Pricing on call
Reconciliation plus the Bank Statement Analyser. Most teams start here.
  • Everything in Standard
  • Bank Statement Analyser
  • Income, FOIR & risk flags
  • Bounce & reversal detection
  • 10 user seats
Book a Demo
Max
Pricing on call
Full suite with portfolio analytics and early warning signals before accounts go NPA.
  • Everything in Premium
  • Portfolio analytics
  • Early warning signals
  • Priority support
  • Unlimited users
Book a Demo

All plans start with a 3-day trial. No card required. Book a call and we'll reconcile a real file from your portfolio.

Get Started

See it run on
your data.

30-minute live demo. We reconcile a real file from your portfolio so you see exactly what CredAssist does before committing to anything.

No card required · Response within 24 hours

BUILT FOR RBI-REGULATED NBFCSNACH / IMPS / NEFT / RTGSINDIAN NBFC FOCUSED
FAQ
Do we need to change our existing Excel process?
No. You upload the same files you already have. CredAssist reads your columns, not the other way around.
FAQ
How long does onboarding take?
First run takes ~15 minutes, upload, map columns once, run. Mapping saves permanently after that.
FAQ
What file formats are supported?
Excel (.xlsx, .xls) and CSV. Any bank statement or LP export format. No template required.
FAQ
Where does our data live?
In your own isolated tenant. No NBFC can ever see another's uploads, runs or borrowers, and your original files stay downloadable to you at any time.