Credit Intelligence
Business credit risk for India
Decide who to lend to with the data lenders actually use
Infyner Credit Intelligence builds business risk profiles from MCA filings, GST compliance behaviour, EPFO and ESIC remittance, MSME payment delays, IBBI insolvency proceedings, supreme-court and high-court litigation hits, and director quality. Built for lenders, vendor-onboarding teams and procurement officers who need to know who is reliable before they wire the money.
Why this exists
The credit committee asks for one report. Underwriters spend a week building it.
Every Indian lender already pulls a banking-bureau report. That covers the borrowing side - existing facilities, outstanding balances, repayment behaviour. What it does not cover is everything else: whether the company files AOC-4 on time, whether GST is filed, whether any director is disqualified, whether there is litigation in the high court, whether MSME suppliers have raised payment-delay cases, whether the directors hold board seats at companies under strike-off. That information lives in seven different government portals. Underwriters either ignore it (and discover the issue after disbursal) or spend a week stitching it together by hand.
Credit Intelligence collapses that week into 30 seconds. The report follows the structure the credit committee expects - executive summary, risk score, drilldown, recommendation - and every fact carries a source. Underwriting time saved on Pvt Ltd files is not a small saving when you process 800 files a month.
In plain words
What Infyner Credit Intelligence actually does
Infyner Credit Intelligence is a hosted credit-risk product for Indian unlisted businesses. It reads every public-record signal that suggests reliability or trouble - filings hygiene, GST behaviour, MSME payment delays, EPFO consistency, IBBI proceedings, MCA strike-off proceedings, director disqualifications, court litigation - and packages them into a single bureau-style report with a 1-100 composite score.
The score is transparent. Eight inputs, fixed weights, drilldown shown next to the headline. Underwriters can argue with the score, override it, build their own rules on top. Many lenders use it as a credit-policy hurdle plus an underwriter aid. Vendor-onboarding teams use the same report to decide net-90 vs advance-payment terms. Procurement runs the entire supplier panel through it once a year as part of the renewal cycle.
On the operational side, the product is delivered through a console for analysts and an API for engineering teams. Bulk runs of up to 5,000 CINs are supported. Reports refresh on every call so the data is always current. Storage is India-region, encrypted, with seven-year audit logs.
Every signal that should change a lending decision
What the report contains, beyond the headline score
The score is a number. The decision is everything around it. Each section below is a section of the bureau-style report a credit officer reads before approving the file.
Compliance hygiene
Last AOC-4, MGT-7, ADT-1 and DIR-3 KYC dates. ROC delays. Strike-off proceedings. Section 164(2) disqualifications among current and historical directors. Companies that do not file consistently get downgraded automatically.
GST behaviour
GSTR-1 and GSTR-3B regularity over 24 months. Cancellations. Suspensions. ITC-availed-vs-2B mismatches reported on the company's own filings. A clear pattern says more about reliability than a single year's PnL.
Litigation footprint
Active cases in supreme court, high courts, NCLT and DRT. Distinguishes between revenue cases (where the company is a defendant against tax demands) and commercial cases (which are usually the early signs of distress).
MSME payment behaviour
Cases registered against the entity on MSME Samadhaan. The entity's own filings under MSME-1. Duration of outstanding payables to micro and small suppliers - a strong predictor of working-capital strain.
Director quality
Cross-holdings with companies under strike-off, in liquidation or under NCLT proceedings. Director networks help reveal otherwise-hidden risks - one director on the board of three companies that all defaulted in the last 18 months is a red flag the score reflects.
Financial trajectory
Three-year revenue, EBITDA and net-worth trend. Debt-equity drift. Capex pattern. Segment of working capital tied up in receivables. Each comes with the source filing and the comparison against the company's own peer set.
How it works
From CIN to risk profile in two clicks
Submit the CIN
Either via the console (paste a CIN) or via API (one POST). Bulk runs accept up to 5,000 CINs per job.
Read the report
Headline score plus eight-input drilldown. Compliance hygiene, GST behaviour, litigation, MSME, director quality, financial trajectory, peer benchmark and the executive narrative.
Share or pipe to your decision system
Download the PDF for the underwriting file, or pull the JSON via API into your loan-origination system. Every value carries a source attribution.
Who it is for
Whom we built this for
First five reports free. Per-report from INR 199.
Single report (PDF + JSON) from INR 199. Bulk packs of 100 from INR 14,999 (effective INR 149 per report). Subscription tier with unlimited monthly reports for a fixed CIN list - quoted on volume.
Trust and security
How the score is built
Eight inputs, transparent weights
Each of the eight inputs has a fixed weight and a known contribution range. The drilldown shows the value, the weight and the contribution. No black-box ML inferences.
Bureau-style PDF, India context
The report follows the structure underwriters know - executive summary, risk score, financial summary, behavioural section, compliance section, litigation, peer comparison, recommendation.
Refresh on demand
The report is regenerated on every call against the live data engine. No stale reports - if the company filed AOC-4 yesterday, today's report reflects it.
Auditor-friendly
Every fact in the report has a source URL or a filing reference. When the credit committee asks why the score is what it is, the answer is in the report.
FAQ
Common questions from underwriters
Banking bureaus (CIBIL Commercial, CRIF Sanshodan) cover the borrowing side - existing loans, outstanding amounts, repayment behaviour. Credit Intelligence covers the corporate side - filings, GST behaviour, governance signals, litigation, director quality. The two are complementary; most lenders use both.
No. The score is a single number distilled from eight inputs. Every input is shown with its weight. The score is meant to support the underwriter, not replace them. Many lenders use it as a credit-policy hurdle (e.g. "score must be above 60 for working-capital loans up to INR 50 lakh") with the underwriter still doing the file.
We pull docket entries from the supreme-court and high-court e-courts feeds, plus NCLT and DRT databases. Cases are classified by court, age, current status, and whether the company is plaintiff or defendant. Routine tax appeals (defendant in revenue case) are weighted differently from operational suits (defendant in commercial case).
Yes - and unlisted is the main use case. Listed companies have their own bureau coverage and exchange disclosures. The unlisted Pvt Ltd universe is where lenders most need the third-party signal, and that is where Credit Intelligence shines.
Yes. The bulk endpoint accepts 5,000 CINs per job, runs in parallel, and returns one PDF and one JSON per CIN plus a master CSV with the headline fields. Useful for annual portfolio review, supplier panel re-rating, and pre-audit risk dashboards.
MCA financials are the latest filed (typically FY ending 12-18 months ago for Pvt Ltd; quarterly for listed). GST behaviour is real time via the GSTN authorised channel. Litigation and IBBI proceedings are weekly. Director cross-holdings are nightly.
Yes. Scores come with a confidence band reflecting the recency and completeness of the inputs. Companies with a missing AOC-4 for the last reportable year get a wider band. The band shows up next to the score so reviewers can calibrate.
Yes. The risk-score endpoint and the full-report endpoint both speak JSON. Most loan-origination systems plug it in as a step before underwriting. Token auth, idempotency, sandbox - same as the rest of the API.
Yes. Each report includes the company's position vs its sector + revenue band peer set on revenue, EBITDA, RoCE, debt-equity and growth. Useful for the underwriter's narrative and for the file note to the credit committee.
You can - the report is your property once generated. Some lenders share it with the borrower as part of the disclosure pack. Others keep it internal. Either is fine.
More from Infyner
Pairs well with the rest of Infyner
Verify covers the entity-existence and KYC layer. Credit Intelligence is the next layer - is this entity reliable enough to lend to?
The risk-score and full-report endpoints are part of the same API. Plug them into your LOS.
Sector dashboards help you set policy thresholds - what risk score should approve a working-capital loan in this sector?
Glossary
Terms used on this page
- MSME Samadhaan
- Government-of-India portal for MSME suppliers to register payment-delay disputes with larger buyers. A buyer's record on Samadhaan is a useful early signal of working-capital strain.
- IBBI
- Insolvency and Bankruptcy Board of India - publishes records of corporate insolvency proceedings under the IBC. NCLT-admitted cases are a serious red flag.
- NCLT
- National Company Law Tribunal - the forum where most corporate disputes (oppression and mismanagement, IBC, scheme of arrangement, mergers) play out.
- DRT
- Debt Recovery Tribunal - where banks and financial institutions file recovery suits against defaulting borrowers.
- Strike-off
- MCA proceeding to remove a non-functional company's name from the register. A pending strike-off proceeding is a strong negative signal.
Last reviewed: 2026-05-08.