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Samriddhi Grameen Foundation for Social Impact
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Analytics & Scoring 75K+ Profiles Assessed Bank-Grade AES-256

Enterprise Diagnostic Engine

Credit-Readiness Scoring for Nano-Enterprises

Data-driven assessment engine that scores cash flows, market viability, and risk profiles of unbanked women micro-entrepreneurs.

Pilot or Integrate Platform All Innovations
Enterprise Diagnostic Engine
Deployment Status
Active in Field
Production v3.2
75,000+
Profiles Assessed
₹180+ Cr
Credit Mobilized
98.7%
Repayment Track Record
18+
Lending Partners

The Grassroots Challenge We Address

Traditional banking credit evaluations mandate collateral assets and documented tax histories—filtering out millions of creditworthy rural women running bustling micro-enterprises without formal accounting.

Functional Architecture

Core Platform Capabilities

Alternative Credit Scoring (ACS)

Synthesizes 120+ non-traditional behavioral, psychometric, and cash-velocity indicators into an objective creditworthiness score.

Digital Ledger & Khata Tracker

Intuitive digital cashbook enabling nano-merchants to record daily sales, receivables, and supplier payables with zero paperwork.

Bank Direct API Ingestion

Secure API integration piping pre-screened credit portfolios directly into institutional loan origination systems (LOS).

Enterprise Health Diagnostic

Visual balance-sheet diagnostic cards providing business owners with prescriptive steps to optimize working capital.

Democratizing Credit Access through Alternative Data

The Enterprise Diagnostic Engine solves the structural information asymmetry that prevents formal financial institutions from lending to informal nano-enterprises. By capturing high-frequency operational signals, the algorithm builds a verified economic passport for micro-entrepreneurs.

Psychometric & Behavioral Signals

Evaluates grit, repayment willingness, supplier references, and community reputation to augment quantitative cash flow scores.

De-Risked Co-Lending Corridors

Partner banks and NBFCs leverage the diagnostic score to disburse collateral-free working capital micro-loans with industry-leading sub-1.3% NPAs.

Field Impact Case Study

Unlocking Formal Working Capital for Grocery Sakhis

"I had no property papers to show the branch manager. The Grameen diagnostic score verified my daily turnover, and I secured my ₹50,000 business loan within 48 hours to expand my store."
Kavita Devi, Micro-Enterprise Owner
Patna, Bihar
Technical & Regulatory Compliance
Aadhaar AEPS / BBPS NPCI Certified
ISO 27001 Data Security Guidelines
End-to-End Hardware Keystore Encryption
Offline-First Resilience (Zero Data Loss)
Platform Specifications
  • Domain Vertical Analytics & Scoring
  • Target Beneficiaries Women Nano-Entrepreneurs, Micro-Kirana Store Owners, and Partner NBFCs/Banks
  • Active Deployment Geographies Bihar, Uttar Pradesh, Rajasthan, Jharkhand, Assam
  • Architecture & Tech Stack
    Scikit-Learn Risk Models Account Aggregator Framework RESTful Banking APIs AES-256 Vault Architecture
  • System Availability SLA 99.98% High Availability
Institutional Deployment
Want to Pilot This Platform?

We partner with state rural livelihood missions (SRLMs), public sector banks, NBFCs, and development agencies to deploy this solution at scale.

Contact Partnerships Team
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