Know Your MSME's
Financial Health Score
Verify your enterprise with Udyam and generate an AI-powered Financial Health Score using GST, Income Tax, Bank Statements, Account Aggregator data, and other trusted financial information to support faster and smarter lending decisions.
One Score. Complete MSME Financial Assessment.
Our AI-powered Financial Health Score (0–1000) combines trusted government, financial, and business data to deliver a transparent, explainable assessment for faster MSME credit decisions.
Business Identity & Verification
15%Verify enterprise identity using Udyam, PAN, GSTIN and business registration details to establish a trusted business profile.
Revenue & Tax Compliance
25%Evaluate GST returns, turnover trends, Input Tax Credit and Income Tax data to measure revenue consistency and compliance.
Banking & Cash Flow Health
25%Assess Account Aggregator bank statements, cash flow patterns, balances and transaction behaviour to evaluate repayment capacity.
Business Stability
15%Analyze enterprise age, industry, business location and operational history to determine long-term business sustainability.
Digital & Risk Intelligence
10%Evaluate IP reputation, geolocation, device intelligence and fraud indicators to strengthen identity and risk assessment.
AI Credit Readiness
10%Generate an explainable Financial Health Score using AI-driven analysis of verified business, financial and compliance data.
Built for New-to-Credit India
No credit bureau file needed. FinRiskLens AI reads the digital exhaust every registered MSME already produces — with the owner's explicit consent at every step.
Alternate Data, Consent-First
Five verified sources instead of a bureau file: GST returns, ITR filings, Account Aggregator bank statements, UPI transaction patterns, and EPFO payroll — anchored on Udyam-verified identity.
- Udyam-first onboarding — just your registration number
- AA-framework consent for 6–12 months of bank data
Scores in Seconds
Once data is collected, the ML scoring pipeline computes all six dimensions, explanations, and product recommendations in under five seconds.
Explainable & Fair
Every sub-score comes with plain-language reasons — e.g. "3 of last 6 GSTR-3B filings were late". Declining bank-data consent never looks like bad credit: the score adapts, and says so.
One score, the whole lending ecosystem
Your Financial Health Card flows straight into IDBI's Loan Origination System and is published to the ULI/OCEN network — so any participating lender can act on it. Scores map to real products: working capital, CGTMSE-backed loans, and MUDRA schemes.
Know your business's financial health
Enter your Udyam Registration Number, verify by email OTP, and get a Financial Health Card your lender can trust — in minutes, not weeks.