🩺 MSME Arogya Card

AI-driven Financial Health Card for credit-invisible MSMEs — alternate data, unified assessment, ULI/OCEN-ready
IDBI Innovate 2026 · Track 03
Credit-invisible is not credit-unworthy. This platform aggregates GST, Account Aggregator bank statements, UPI collections, EPFO records, and Udyam data to score New-to-Credit MSMEs using a deterministic 5-pillar engine — with transparent weight redistribution when bureau data is unavailable.
Total Assessments
–
across all sectors
Green Band
–
750+ composite
Amber Band
–
600–749
Red Band
–
below 600
Building
–
NTC, high potential
NTC Entities
–
bureau-unavailable
+ New MSME Assessment
Code
Entity / GSTIN
Sector
Score
Band
Conf.
Mode
Fraud Risk
Design principle: Deterministic rule engine decides all scores, bands, product recommendations, and limits. The LLM (Anthropic Claude) generates plain-English explanations only — it never approves, rejects, or alters scores. Every reason code (57 bank-style codes across 11 categories) is auditable. Assessment mode (Full / NTC Alternate / Thin / Insufficient) is decided by the pre-scoring Adequacy Gate. Integration-ready for GSTN, DigiLocker, Karza, Account Aggregator (Sahamati / Perfios / Setu), NPCI UPI, EPFO, and CIBIL Commercial in the sandbox phase.