FinBox

FinBox is an AI-native digital lending platform redefining how credit is built and delivered in the modern economy, providing a modular, API-first operating system for digital lending.

Lets banks, NBFCs, fintechs, and platform businesses launch, embed, and scale lending products with unparalleled speed and precision.

Full-stack infrastructure spanning onboarding, underwriting, risk intelligence, and embedded finance rails.

Clients include HDFC Bank, Kotak Mahindra Bank, Poonawalla Fincorp, Aditya Birla Capital, Muthoot Fincorp, and Tata Capital.

Client base counts ZestMoney, Khatabook, TrueBalance, Home Credit India, IIFL, large conglomerates, telcos, banks and NBFCs among its clients.

Operates a credit risk management platform with proprietary data connectors enabling financial institutions to lend to self-employed merchants and new-to-credit customers.

The platform processes 1 mn loan applications every month, most of which are from new-to-credit customers.

Sentinel is described as an AI-driven decisioning engine within FinBox's product suite.

DeviceConnect evaluates creditworthiness using only device data, consolidating insights into high-performing models trained on millions of borrower data points.

Analyse bank statement data with an AI-driven platform to boost underwriting and improve conversions.

More than 130 large clients use its solutions, including HDFC Bank, Kotak Mahindra Bank and Poonawalla Fincorp.

FinBox was part of PayPal's 2017 fintech cohort.