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92
Bangalore, India Series D

Unified Data Intelligence for Credit Underwriting

Perfios • Led by V.R. Govindarajan

🔒 Confidential
COI SCORE 92 VERIFIED

🔬 The Innovation Core

The Pain Point

Financial institutions struggle to process unstructured data from disparate sources, leading to slow and inaccurate credit decisions for retail and SME lending.

The Solution

An AI-powered data aggregation and analysis platform that digitizes and analyzes bank statements, tax filings, and business data to generate real-time credit insights.

⚡ Verified Impact

● Validated
Reduction from days to minutesDecision Speed
25-30% increase in early-stage detectionFraud Detection
>95% accuracy in statement parsingData Accuracy
CERTIFICATION

Gold Standard

TRL 9/9

📊 Market Traction

Revenue History ($M)

Market Share

🧠 Analyst Verdict: Operationally Proven

"Perfios dominates the Indian BFSI data aggregation market and is successfully expanding into the wider APAC region with a profitable SaaS model. Its integration with national data frameworks like India's Account Aggregator provides a significant competitive moat. The primary risk lies in geographical concentration and the need to replicate this success in more fragmented Western markets."

✅ Pros

  • Processes over 2 billion transactions annually with high accuracy.
  • Profitable business model with over 1,000 institutional clients.
  • Deep integration with regional open banking and government data rails.

⚠️ Risks

  • Highly concentrated in the Indian market with limited Western footprint.
  • Heavy reliance on continued regulatory support for data sharing frameworks.
  • Exposure to receivable risks in certain emerging market segments.

🛠️ Use Cases

💡
SME Lending

Real-time automated credit assessment for small businesses.

💡
Digital Onboarding

Instant verification of financial health during account opening.

💡
Wealth Management

Aggregated portfolio views for high-net-worth individuals.

Market Maturity

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Know What's Deployable.

Marketing brochures look the same for TRL-3 (Concept) and TRL-9 (Proven) tech. Our radar cuts through the noise, showing you exactly if this innovation has crossed the "Pilot-to-Production" chasm.

9

Commercial Grade

Fully audited operational history. Ready for scale.

6

Prototype / Pilot

Functional in relevant environments. High risk, high reward.

Current Maturity Status

TRL Score 9.0 / 9.0
  • check_circle Technology validated in lab (TRL 4)
  • check_circle System prototype demonstration (TRL 7)
  • check_circle Actual system proven in operations (TRL 9)
Transparency

Forensic Evidence Chain

We don't just "approve" listings. We build a permanent, immutable audit trail for every verified claim. See exactly what was checked, when, and by whom.

View Sample Audit Report →

Technical Diligence

> Architecture Review: PASS
> Security Audit: ISO 27001
> Scalability Test: 10k TPS

Customer Verification

> Client Interview: #8821
> Deployment Status: LIVE
> ROI Confirmed: 18% Savings

Certification Issued

STATUS: VERIFIED verified

Enterprise Action Center

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🚀
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💡
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⭐
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🛡️
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