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Fraud checks that move at disbursal speed.

NBFCs lose to fraud in the gap between application and disbursal. TrueShield verifies income, identity and employment in the same flow the applicant is already in - so the loan book grows without the write-offs.

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Free trial credits included · Full API documentation

Sample reportSAMPLE VERDICT
Statement6 months · uploaded PDF
TamperingNone detected
Salary creditsConsistent · matches stated
Existing EMIs2 detected
Bureau pullSame call
✓ Cleared for sanctionAPI docs →
The problem

Where lending fraud actually happens

By the time a fraudulent loan defaults, the fraud is months old. The place to catch it is the five minutes between application and sanction.

Tampered statementsA clean-looking PDF with an edited salary credit is still the cheapest way to inflate income. Manual review catches the sloppy ones and misses the good ones.
Income that doesn't existStated income and actual bank inflows disagree more often than credit teams would like. Without statement-level checks, the stated number wins.
Borrowed identitiesA real PAN attached to someone else's application passes a format check. It fails a cross-check against employment and bureau records.
What we check

What we check for NBFCs

Five checks, one API surface - the same verdicts your credit policy already asks for, delivered before sanction instead of after default.

Statement tamper & bounce analysisEvery uploaded statement is screened for edits, cloned templates and broken running balances, and bounce patterns are flagged before they become collection problems - powered by the Bank Statement Analyzer.
Salary credits vs stated incomeRecurring salary credits are identified and compared against the income on the application - quiet inflation shows up as a mismatch, not a surprise.
PAN + UAN + employer cross-checkThe applicant's PAN links to their UAN and to the employers who actually filed PF, so identity and employment corroborate each other - see EPF UAN History.
Existing EMI & FOIR detectionOutgoing EMIs are detected in the statement and rolled into a fixed-obligation view, so over-leveraged applicants surface before sanction.
Bureau pull in the same callAn Experian credit report can be ordered in the same flow, giving underwriting the statement, identity and bureau picture in a single response.
How it works

How it fits your disbursal flow

Collect once

The applicant uploads statements and shares PAN in your existing flow - nothing new to build for them.

Verify everything

Tamper checks, income analysis, identity cross-checks and the bureau pull run in parallel through one API surface.

Sanction with evidence

Your credit team gets one structured verdict - pass, fail or refer, each with reasons - inside the LOS they already use.

Works well with

The APIs behind the NBFC flow

Every call is encrypted in transit and at rest, DPDP-aligned, and logged with a full audit trail - and the data stays in India.

Advanced Bank Statement AnalyzerStatement, identity and bureau checks in one credit file.Explore →
Experian: Credit BureauCreditworthiness in the same API flow.Explore →
PAN to UANFrom identity to the whole employment trail.Explore →
FAQ

Before you roll this out for lending

Can this run inside our existing LOS?

Yes. Every check is a REST API call that returns JSON, so it slots into your loan origination system between application and sanction - most teams call it from the same service that already orders the bureau report.

What happens when a statement fails the tamper check?

You get a fail verdict with the specific reason - the altered field, the inconsistent font or the broken running balance - so your credit team can reject with evidence or ask for the original.

Do you support co-operative and small finance banks?

Yes. The analyzer reads statements from 65+ Indian banks, including co-operative and small finance banks, in PDF or Account Aggregator formats.

Which checks can run in a single call?

Statement analysis, salary-credit checks, EMI and FOIR detection, PAN and UAN cross-checks and an Experian bureau pull can be combined in one flow - the applicant answers once and you decide once.

Put a fraud gate in front of your loan book.

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