The lending OS for India’s next 10,000 lenders.
Originate, manage, co-lend, and securitise on a single stack. Five modules, eight loan products, every RBI return — built ground-up for Indian banks, co-operative banks, and NBFCs.
Buy what you need today. Compose the rest when you’re ready.
Each module ships as a fully-functional product on its own — and snaps into the next when you’re ready. No replatforming. No vendor lock-in masquerading as a suite.
Loan Origination
8 product lines on day one — Personal, Home, Vehicle, MSME, Education, CC/OD, LAP, Gold. KFS auto-generation, scorecards, sanction matrix, cooling-off, KYC orchestration.
Learn moreLoan Management
EMI scheduler, daily interest accrual, NPA classification, IRACP provisioning, gold + CC/OD lifecycle, restructuring, write-off, recovery, grievance, reconciliation.
Learn moreCo-Lending Platform
RBI Co-Lending Model with originator-partner splits, escrow, partner compliance, end-to-end settlement. Built for bank-NBFC co-origination.
Learn morePass-Through Certificates
Pool to certificate to investor. Issuance, valuation, secondary trading, RBI Securitisation Master Direction 2021 reporting — out of the box.
Learn moreCollateralised Loan Obligations
Pool formation, tranching, waterfall, geographic + sector diversity metrics. Investor reporting, performance tracking, structured finance ready.
Learn moreEvery regulatory return your bank has to file. Already built.
Most lending platforms bolt compliance on. CortexData was built around RBI Master Directions — so KFS, IRACP, PSL, DSB, OSS-3, audit chain, and cooling-off arrive as core, not as an integration.
| RBI directive | What CortexData ships | Status |
|---|---|---|
| RBI Digital Lending Guidelines (Sept 2022) | Key Fact Statement (KFS), 7-day cooling-off, fee transparency, grievance escalation | Built-in |
| RBI Master Direction — IRACP (Income Recognition, Asset Classification, Provisioning) | Asset bucketing, provisioning calculator, monthly IRACP return | Built-in |
| RBI Master Circular — Priority Sector Lending | PSL classifier, weaker-sections tagging, Form A quarterly return | Built-in |
| DSB / Form B — Daily Statement of Banking advances | Daily DSB return generator with EN/KN/HI rendering | Built-in |
| OSS-3 — Quarterly Statement of Advances | PSL-granular sector cuts, geography rollup, large-exposure flagging | Built-in |
| RBI Co-Lending Model Master Direction | Originator + partner splits, escrow, settlement reconciliation | Built-in |
| RBI Securitisation Master Direction (Sept 2021) | PTC issuance, MRR/MHP compliance, investor reporting | Built-in |
| RBI Gold Loan Master Direction | LTV monitoring, margin-call workflow, auction governance for unredeemed pledges | Built-in |
| Audit log immutability + 10-year retention | SHA-256 hash chain, S3 Object Lock retention sink, periodic verification | Built-in |
Explainable ML, not a black box.
CortexData ships a 5-model ensemble for fraud detection and a calibrated probability-of-default model for credit scoring — trained on your bank’s own data, not someone else’s. Every decision returns the features that drove it, so your underwriters and auditors see why.
- Fraud ensemble: XGBoost + LightGBM + Random Forest + Gradient Boosting + Isolation Forest
- Credit scoring: WOE scorecard + calibrated GB probability-of-default with isotonic calibration
- 32 hand-engineered features tuned for Indian credit bureaus (CIBIL, CRIF, Experian, Equifax)
- Per-decision feature attribution — defensible to RBI, Banking Ombudsman, and your credit committee
- Model registry, drift detection, retraining pipeline (your ground truth, your control)
One platform. Three languages. Every customer.
KFS, sanction letters, payment receipts, NPA notices, grievance acknowledgements — every customer-facing artefact renders in English, ಕನ್ನಡ, and हिंदी, with the same legal and arithmetic guarantees.
Built for India’s banks. Tested against India’s regulators.
CortexData isn’t a global platform with India retrofits. Every line of code, every regulatory return, every customer artefact is engineered for the Indian banking context — from the IRACP classifier to the Kannada KFS rendering.
Plays well with your CBS. Plays even better without one.
CortexData runs as your full-stack lending OS or as a layer over Finacle, Flexcube, BaNCS, or any other CBS. Deploy on AWS Mumbai (ap-south-1), your private cloud, or on-prem — same code, same compliance posture.
CBS-agnostic
Adapter pattern abstracts your core: Finacle, Flexcube, BaNCS, or a CortexData-native ledger when no CBS exists.
Audit-immutable
SHA-256 hash chain, append-only audit log, S3 Object Lock retention sink, 10-year retention as standard.
Deploy anywhere
AWS Mumbai (ap-south-1), private cloud, or on-prem. Same Kubernetes manifests, same observability stack.
See CortexData run on your bank’s portfolio.
We’ll bring a working environment to your next credit committee. Walk away with a side-by-side of your current process versus CortexData on your numbers.