Introducing GIX Verify: one standard for every loan file
Automated screening, sampling and CMA for banks, NBFCs and co-operative lenders, organised by loan product.
Read · 3 minLoan-file screening for Indian lenders
Every loan file, screened in minutes. Fraud flagged before sanction.
Upload a file once. GIX Verify reads every document, verifies it at the source, runs up to 112 fraud and policy checks for that loan product, and gives your team a clear Green, Amber or Red report, with the reason behind every flag.
Verified at source156 checksData stays in IndiaCMA in minutes
ScreeningDemo file · GV-10244Live
File uploadedLoan against property · 22 documents
Read and verifiedPAN, Aadhaar, GST and land records at source
105 checks run4 flags · 1 cross-file match
Report ready · RedHold file · send for field visit
Data stays in India
Fraud-ring check
7 loan productsRetail and MSME
33 document typesEach with its own checks
156 checksDocument, policy, cross-file
Green · Amber · RedA clear call on every file
Hosted in IndiaData never leaves the country
How it works
From upload to screening report in four steps
No more photocopies passed from desk to desk. Every file follows the same path, every check is recorded, and your team only touches what needs a human.
1
Upload the file
A sales executive uploads the file, or the applicant uploads through a secure link. Scans, PDFs and phone photos are all accepted.
Branch, DSA or applicant2
Read and verify
Each document is recognised, read and matched to the product checklist. Identity, business, property and vehicle details are verified at source.
Verified at source3
Triggers fire
Document, policy and cross-file checks run together. Each flag carries a severity, the evidence behind it and the action to take.
Up to 112 checks per file4
Report and sample
Your team gets a Green, Amber or Red screening report, a list of files that need a field visit, and a CMA report where needed.
Green · Amber · RedProduct → documents → checks
Pick a loan product. See exactly what gets checked.
Each product has its own document checklist. Each document has its own checks. The product adds its policy checks, and six cross-file fraud checks run on every file.
Home Loan
Purchase or construction of a house; salaried or self-employed
112checks run on a typical file
24documents
11must-have
103document checks
9policy and cross-file
KYC
PAN cardIncome Tax (PAN verification API)Must have7 checks
AadhaarUIDAI via DigiLocker / offline e-KYCMust have5 checks
Voter IDElection Commission (electoral search)if extra ID needed4 checks
PassportPassport SevaNRI applicants3 checks
Address
Electricity billDiscom / BBPS bill fetch, QR codeMust have5 checks
Rent agreementState registration (IGR) searchif rented4 checks
Business
GST certificate & returnsGSTN (with consent via GSP / AA)self-employed5 checks
Udyam registrationUdyam portalself-employed3 checks
Income · salaried
Salary slips (3 months)Bank credits, EPFO (consent)salaried8 checks
Form 16TRACES, AIS (consent)salaried4 checks
Employment proof (ID, offer letter)EPFO, employer email domainsalaried2 checks
Income · self-employed
ITR (2–3 years)Income Tax e-filing, 26AS / AISself-employed5 checks
Audited financials (balance sheet, P&L)ICAI UDINself-employed4 checks
Banking
Bank statements (6–12 months)Account Aggregator (preferred) / PDFMust have11 checks
Existing loans
Statement of existing loans (SOA)Credit bureau, bank statementif existing loans3 checks
Loan closure letterCredit bureauif loans closed2 checks
Property
Sale agreement & Index-IIState IGR e-searchMust have4 checks
7/12 extract / property cardMahabhulekh / land recordsplot / land4 checks
Title documents chainCERSAIMust have2 checks
Valuation report (vendor)Empanelled valuer listMust have2 checks
Application
Application form & signaturesInternalMust have5 checks
PhotographsInternal face matchMust have2 checks
Bureau & policy
Credit bureau reportCIBIL / CRIF / Experian / EquifaxMust have5 checks
Field verification
Field verification report (CPV)Empanelled field vendor (upload / API)Must have4 checks
The detailed check library is shared with lenders during onboarding.
Only on GIX Verify
The checks a fraud control unit wishes it had time for
Manual screening looks at one file at a time and trusts the photocopy. GIX Verify checks the source and looks across your whole book.
GIX first
Checks organised by product
Pick the loan product and the platform knows which documents it needs, which are conditional, and which checks run on each one. A home loan file and a business loan file are never screened the same way.
KYCIncomeBankingPropertyVehicleBusinessBureauCMA
GIX first
Fraud rings across files
The same mobile number, address, bank account or document appearing on unrelated applicants is spotted across your whole book, not just inside one file.
GIX first
Tampering detection
Edited PDFs, changed fonts, broken balance arithmetic and pasted signatures are flagged on bank statements, salary slips and property papers.
GIX first
Sampling that targets risk
Instead of fixed percentages, files are sent for field verification because of what was found, with the reason for every visit.
GIX first
Every flag explained
Each flag shows what was checked, what was found, why it matters and what to do: hold as Red, send for sampling, ask the applicant, or review.
Inside a screening report
See exactly why a file is Red
Every flag shows what was checked, what was found and what to do next. Your credit and fraud teams stop hunting through paper and start deciding.
Balance does not add up after 28 AugBank statement · possible editing · Critical
Owner on 7/12 extract differs from applicantLand records at source · Critical
Mobile number seen on an unrelated fileCross-file check · High
PAN active, name and date of birth matchVerified at source
GST registration active, returns filed on timeVerified at source
Bank statement · demo fileRed · 5 flags
DATE NARRATION DEBIT CREDIT BALANCE01-08-26 OPENING BALANCE 2,42,06003-08-26 NEFT SALARY AUG 85,400 3,27,46018-08-26 CASH DEPOSIT 2,00,000 5,27,46019-08-26 CASH DEPOSIT 2,00,000 7,27,46022-08-26 UPI/RENT 21,000 7,06,46028-08-26 IMPS/TRF 10,000 7,48,56001-09-26 NACH/HOME LOAN EMI 32,100 7,16,46003-09-26 NEFT SALARY SEP 85,400 8,01,860Built for every kind of lender
Banks, NBFCs and co-operative lenders, one standard
Screen every file from every branch, to one standard
Public sector, private and small finance banks can run every retail and MSME file through the same checks, whichever branch or channel sourced it, and see the result before sanction.
- One standard across branches. Every branch uploads to the same checklist for each product, so a file from a rural branch is screened exactly like one from a metro hub.
- Verified at source. PAN, Aadhaar (through DigiLocker), GST, Udyam, property records and vehicle records are checked with the issuing system, not just read off a photocopy.
- FCU team works the flags, not the pile. Clean files move on. Your fraud control unit spends its time only on the files and documents that actually raised a flag.
- Sampling with a reason. The platform tells you which files need a field visit and why, so field budgets go where the risk is.
Screening queue · all branchesToday
GV-10241 · Home loan
Pune branch · 112 checks
GreenPune branch · 112 checks
GV-10244 · LAP
Nashik branch · 5 flags
RedNashik branch · 5 flags
GV-10247 · MSME CC
Thane branch · 2 flags
AmberThane branch · 2 flags
Open report
CMA for MSME loans
CMA Forms I to VI, ready in minutes
Upload the balance sheets, profit and loss and projections. GIX Verify builds the CMA data, works out the permissible bank finance and the key ratios, and flags numbers that do not tie up. Try the second method of lending below.
- Forms I to VI: particulars, operating statement, balance sheet analysis, current assets and liabilities, fund flow, MPBF
- Current ratio, TOL/TNW, DSCR and turnover ratios, year by year
- Mismatches between the financials, GST returns and bank credits flagged
Permissible bank finance (MPBF)
₹2,55,00,000
Total current assets₹4,80,00,000
Less borrower margin (25% of current assets)− ₹1,20,00,000
Less other current liabilities− ₹1,05,00,000
Current ratio after finance1.33
Illustration of the second method of lending only. Your lender's own policy and assessment decide the final limit.
Time calculator
How much screening time could your team get back?
Move the sliders to match your book. The result is the desk time freed each month when your team reviews a screened report instead of checking every document by hand.
Desk time freed each month
3,900 hours
Screening time today4,500 hours
Review time with GIX Verify600 hours
Equal to full-time staff (160 hours a month)24.4
Illustration only, based on the numbers you enter. Field visits avoided through targeted sampling are not included.
Built for India
Designed around Indian documents, sources and rules
From a 7/12 extract in Maharashtra to a GST return in Tamil Nadu, the checks follow how Indian loan files actually look, and the rules Indian lenders work under.
0loan products, retail and MSME
0document types read and checked
0checks in the library, and growing
0clear outcomes: Green, Amber and Red
✓ RBI KYC Directions✓ RBI Digital Lending Directions✓ DPDP Act 2023✓ Account Aggregator consent✓ CERSAI search✓ State land records
Security
Applicant data treated the way a bank would
The rules are enforced by the platform itself, so they hold even if someone tries to go around the screens.
Data stays in India
Applicant data and documents are stored and processed in data centres in India.
Two-factor sign-in
Every lender user signs in with a password and an authenticator code.
Maker and checker
Closing or waiving a flag needs a second person with the right role, never the person who raised the file.
Each lender sees only its own data
Separation between lenders is enforced by the database on every request, not just by the screens.
Tamper-evident audit trail
Every check, comment, override and download is recorded, and each record is sealed to the one before it.
Consent and privacy built in
Applicant consent is recorded before data is fetched, used only for the stated purpose and deleted on schedule.
Insights
All insights Guides and news
Screening, sampling and field verification: how lenders check a loan file
What a fraud control unit actually does, why most of it is still manual, and where automation helps most.
Read · 6 minEight red flags in a bank statement
The patterns fraud teams look for in bank statements, from broken arithmetic to circular transfers.
Read · 5 minFAQ
Questions, answered plainly
What is GIX Verify?
GIX Verify is a loan-file screening platform for lenders. It reads every document in a loan file, verifies key details at the source, runs fraud and policy checks for the loan product, and produces a Green, Amber or Red screening report. It also decides which files need a field visit and prepares CMA reports for MSME loans.
Does GIX Verify approve or reject loans?
No. GIX Verify does not lend and does not take credit decisions. It gives your team a screened file, with every flag explained. The decision always stays with the lender, under its own credit policy.
Which loan products are covered?
Home loans, loans against property, MSME working capital (cash credit and overdraft), MSME term loans, auto loans, personal loans and unsecured business loans. Each has its own document checklist and set of checks.
How is it priced?
Pricing is per file screened, with volume slabs for larger lenders. There is no heavy upfront licence. Exact pricing is shared during the discussion with your team.
Request a demo
See GIX Verify on your own loan files
Tell us about your lending and we will screen a few sample files with you, set to your products and your policy.
- A walkthrough on masked sample files
- Your products, thresholds and sampling rules set up
- A pilot plan for one product or one region