Financial Records & staements tell the truth. GreyCells reads every word
GreyCells is the Al underwriting brain - reading bank statements, salary slips, and financial documents with 98.5% extraction accuracy. It detects UPI salary fraud, circular transactions, and document tampering in milliseconds, and delivers precise loan eligibility with a full audit trail.
What it does and why it matters to your institution
Identifies legitimate salary credits via NEFT/RTGS with employer validation. Analyses consistency, frequency, and growth across 6–12 months, distinguishes real income from manufactured signals.
Detects fake salary credits routed through UPI — the single most common manipulation in digital lending today. Flagged before disbursement, every time.
Identifies round-tripping and circular money flow patterns that precede fraudulent loan applications. Pattern matching across multiple accounts where linked.
Detects PDF manipulation, statement editing, and forged documents — integrity checks that run in parallel with financial analysis, not sequentially.
FOIR-based eligibility calculation — automated, precise, and audit-ready. Accounts for all obligations including existing EMIs, subscriptions, and recurring outflows.
Consolidates data from multiple bank accounts for a complete financial picture. No more partial views from applicants who strategically share only their cleanest account.
15+ modules. 50+ data points. Every signal that matters.
Income Stability Scoring
Analyses salary consistency, frequency, and growth trends over 6–12 months. Flags volatile income patterns that indicate freelance dependency or income inflation.
Expense Categorisation
Automatically categorises outflows — rent, utilities, EMIs, lifestyle — using ML classification. Builds a complete obligation picture before eligibility calculation.
Cash Flow Analysis
Tracks monthly inflows and outflows to determine financial health. Identifies months of negative cash flow, overdraft frequency, and savings rate trends.
Credit Behaviour Scoring
Ensures all analysis meets applicable lending guidelines. Every output is audit-ready and explainable to internal credit committees and external regulators.
Risk Scoring
Generates a comprehensive ML-based risk score from financial behaviour, fraud signals, and obligation analysis — with full explainability for credit committees.
Regulatory Compliance Checks
Ensures all analysis meets applicable lending guidelines. Every output is audit-ready and explainable to internal credit committees and external regulators.
One agent. One system. Every agent connected.
NOVA
ORCHESTRATION
GREYCELLS
UNDERWRITING
VISTA
VOICE AI
AURA
COLLECTIONS
LUMA
MARKETING
MIND
MEMORY
Stop approving fraud.
Start lending with precision
FyscalTech implements NOVA as the resilience foundation of your Lendix stack - mapping your existing vendor contracts and integrations before a single line of config changes.