Perfios Unicorn

Perfios is the leader in real-time credit decisioning and analytics, aggregating and analysing financial data such as bank statements, tax data, and business financials to generate reports for credit assessment, monitoring, fraud, and banking data aggregation.

Delivers 8.2 billion data points to banks and financial institutions every year to facilitate faster decisioning, via 75+ products and platforms and 500+ APIs.

Real-time credit decisioning and analytics client base working with over 200 banks, NBFCs, and Fintech companies globally.

Empowers 1000+ financial institutions with software for origination, onboarding, decisioning, underwriting and monitoring at scale in 18 countries.

Pioneering software platforms designed to optimize origination, onboarding, decisioning, underwriting, and monitoring processes at scale for financial institutions.

The company's core technology platform helps in the aggregation and analysis of financial data such as bank statements, tax data, and business financials.

Perfios operates 75+ products and platforms, and over 500+ APIs, delivering 8.2 billion data points to banks and financial institutions every year.

Perfios acquired 100% of the issued, subscribed, and the paid up share capital of Karza, a banking and business intelligence solutions provider, for INR 554.5 Cr ($73.5 Mn) plus INR 42.4 Cr ($5.6 Mn) towards subscription of equity securities.

Acquired CreditNirvana, an AI-powered debt management platform that helps banks, NBFCs and fintech firms streamline loan collections, managing a collection portfolio exceeding $9 billion across 42 million loan accounts.

Acquired healthcare information exchange IHX to expand into the health insurance claims ecosystem; IHX connects hospitals, payers and diagnostic labs on a digital healthcare data platform.

Income from services increased by 29.3% to Rs 472.2 crore in FY24.

Earnings from software coding and maintenance spiked 100% to Rs 82 crore during FY24.