Executive Blueprint for Parth & Priyal Meeting

Commercial Underwriting Data & System Action Matrix

This comprehensive matrix maps every raw borrower document, statutory portal, banking trail, and external registry to its exact automated extraction method, verification action, deterministic calculation, and CAM generation output.

Total Signals

30 Data Points Mapped

Your Blueprint

15 Core Items Identified

BaseEngine Extensions

+15

15 Extended Signals

Automation Ratio

85%

15% Human Oversight

1. Ingestion & Extraction8 items

Borrower docs, OCR, MCA, GST, PAN extractions

2. External Enrichment7 items

Bureau (CIBIL), e-Courts, Charges, CERSAI, EPFO

3. Math & Triangulation6 items

3-Way P&L↔GST↔Bank reconciliation & CMA ratios

4. Risk & CAM Generation9 items

Red flag engine, MPBF sizing, HITL override & CAM

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Showing 30 of 30 underwriting signals

Core User ItemExtended System Addition

#	Data Point	Source (Primary / Verif)	System Action	Purpose & Underwriting Value (Meeting Note)
01	Company Name Entity & KYC	Borrower Docs (COI, MoA, PAN) ↔ MCA21 Master Data / NSDL Database	Extract	Extracted from Certificate of Incorporation and matched against MCA to ensure 0% typo rate and correct entity identity.
02	CIN (Corporate Identity Number) Entity & KYC	Borrower Docs / Ingestion Form ↔ MCA21 V3 Portal API	Extract + verify	Validates active status, incorporation date, registered state RoC jurisdiction, and paid-up capital instantly.
03	GSTIN (GST Identification Number) Entity & KYC	Borrower Ingestion / Invoices ↔ GSTN Portal API / Taxpayer Search	Extract + verify	Checks if GST is Active, taxpayer type (Regular vs Composition), principal place of business, and all active branch GSTINs.
04	Directors & Key Management Personnel Entity & KYC	MCA21 Portal / DIN Master Registry ↔ Borrower KYC (PAN & Aadhaar) / Board Resolution	Fetch + compare	Detects cross-directorships in distressed/defaulting companies and flags Sec 164 disqualifications automatically.
05	Promoter KYC & Personal PAN Verification Entity & KYC	Borrower KYC (PAN & Aadhaar) ↔ NSDL PAN Database / UIDAI Offline XML	Extract + verify	Crucial for personal guarantees in unsecured business loans to verify identity authenticity and avoid synthetic identities.
06	Shareholding Pattern & Ultimate Beneficial Owners (UBO) Entity & KYC	Borrower MGT-7 / Annual Return ↔ MCA AOC-4 Filings / CapTable Doc	Fetch + compare	Identifies who actually owns and controls the company. Flags any sudden promoter stake dilution or heavily pledged promoter shares.
07	MSME / Udyam Registration & PSL Tagging Entity & KYC	Borrower Udyam Certificate ↔ National Udyam Registration Portal API	Extract + verify	Enables Priority Sector Lending (PSL) classification for the financing institution, reducing cost of capital.
08	Financial Statements (P&L, Balance Sheet, Notes) Financial Statements	Borrower Audited Financial PDFs / CA Signed ↔ MCA AOC-4 Filings / Tax Audit Report	Extract	High-accuracy OCR extracts line-by-line figures and normalizes them into a multi-year standard CMA spreading sheet in seconds.
09	Income Tax Returns (ITR-6/5) & Computation Statutory & Tax	Borrower ITR Docs ↔ Income Tax e-Filing Portal / 26AS	Extract / verify	Cross-verifies whether profit declared to tax authorities matches the Audited P&L submitted to the lender.
10	Tax Audit Report (Form 3CD Clauses) Statutory & Tax	Borrower CA Signed Form 3CD ↔ Audited Financials Notes to Accounts	Extract + verify	High-signal audit disclosures that manual analysts often skim over: reveals unpaid statutory dues and cash loan repayments.
11	GST Returns (GSTR-1, GSTR-3B & GSTR-9) Statutory & Tax	Borrower / GSTN Portal Direct Pull ↔ GSP / GSTN e-Way Bill Data	Extract / verify	Provides monthly real-time turnover pulse instead of waiting 18 months for delayed annual audited financials.
12	ITC Reconciliation (GSTR-2B vs GSTR-3B Mismatch) Statutory & Tax	GSTN Portal API ↔ Borrower GSTR-3B Filings	Cross-check	Catches circular bogus invoicing and un-reflected tax credits. High variance indicates high GST clawback/penalty risk.
13	EPFO / Payroll Contribution Records Statutory & Tax	EPFO Unified Portal API / Shram Suvidha ↔ P&L Employee Benefit Expenses	Fetch/check	Best proxy for real operating health: sudden drop in EPFO headcount signals unannounced layoffs or operational distress.
14	Bank Account Statements (All Current / CC Accounts) Banking & Cashflow	Borrower PDF e-Statements / Account Aggregator (AA) ↔ NetBanking Portal Ingestion / GSTR-3B Tax Debits	Analyse	Forensic parsing calculates Average Monthly Balance (AMB), monthly clean business credits, cash deposit velocity, and overdraft usage.
15	Cheque & Electronic Return / Bounce Analysis Banking & Cashflow	Bank Statement Transaction Memo Codes ↔ Bank Summary Schedules	Analyse	Distinguishes between technical bounces (signature) and financial bounces (insufficient funds). Non-negotiable credit gatekeeper.
16	Working Capital Limit Utilization & Swing Analysis Banking & Cashflow	Bank Statement Balance History ↔ Sanction Letters & Stock Statements	Analyse	Identifies liquidity stress: if CC limit is continuously 95%+ utilized with no intra-month swings, the company has zero liquidity buffer.
17	Existing Loans & Borrowing Profile Debt & Bureau	Commercial Credit Bureau (CIBIL / CRIF / Experian) ↔ Borrower Schedule of Borrowings / MCA Index of Charges	Cross-check	Reconciles stated debt vs actual active bureau loans to catch undisclosed lenders or shadow loans.
18	Promoter Consumer CIBIL Score & Personal Track Debt & Bureau	Credit Bureau (CIBIL Consumer API) ↔ Promoter PAN KYC	Fetch/check	Promoter personal repayment discipline directly correlates with company repayment behavior in SME/bridge lending.
19	MCA Index of Charges (CHG-1 & CHG-4 Filings) Debt & Bureau	MCA21 Index of Charges Registry ↔ Bank Sanction Letters / Balance Sheet Secured Loans	Fetch + compare	Shows which banks have first charge on current assets or movable fixed assets. Ensures borrower has unencumbered assets for Correm.
20	CERSAI Central Security Registry Debt & Bureau	CERSAI Portal API ↔ Title Deeds / MCA Charges	Fetch/check	Prevents fraudulent double-hypothecation or parallel pledge of the same asset to multiple NBFCs/fintechs.
21	Litigation & Court Proceedings Legal & Compliance	External Judicial DBs (e-Courts, NCLT, High Courts) ↔ Probe42 / LegitQuest / Company Filings	Fetch/check	Instant check whether borrower is facing pending NCLT insolvency proceedings or material civil recovery suits.
22	Section 138 (Cheque Bounce) Criminal Cases Legal & Compliance	District Courts e-Courts Database ↔ Judicial Portal Search	Fetch/check	Active Sec 138 criminal cases against promoters represent high credit risk and potential imminent arrest/account freezing.
23	RBI Wilful Defaulter & Sanctions Watchlists Legal & Compliance	Regulatory Watchlists / RBI Circulars ↔ TransUnion CIBIL Watchlist DB	Fetch/check	Zero-tolerance filter: hard regulatory stop required before credit committee sanction.
24	Financial Ratios & Benchmark Comparison Math & Ratios	Internal Normalized CMA Master Model ↔ Audited Financial Line Items	Calculate	Zero LLM hallucination on arithmetic. Pure deterministic TypeScript/Python calculation with mathematical proofs.
25	Working Capital Cycle & Cash Conversion (NWC) Math & Ratios	Normalized Balance Sheet & P&L ↔ GST Monthly Returns	Calculate	Calculates whether working capital cycle is expanding (liquidity trap) or healthy, determining bridge loan necessity.
26	3-Way Revenue & Turnover Reconciliation Math & Ratios	Audited P&L + GSTR-3B/1 + Bank Statement Credits ↔ ITR Declared Sales	Calculate	Core fraud-detection engine: ensures borrower isn't maintaining separate sets of books for Tax, Bank, and Financials.
27	Risk Flags & Multi-Pillar Scoring Risk & CAM Gen	All Upstream Extraction, Enrichment & Triangulation Data ↔ Industry Benchmark Weights	Rules + AI	Deterministic rules flag objective risks; LLM synthesizes readable credit narratives with clear evidence backlinks.
28	Maximum Permissible Bank Finance (MPBF / Limit Sizing) Risk & CAM Gen	Normalized Financials & Working Capital Projections ↔ Historical Bank Account Turnovers	Calculate	Provides scientific justification for sanctioned loan amount rather than arbitrary underwriter guesswork.
29	Final Recommendation, Pricing & Covenants Risk & CAM Gen	All Assessed Dossier Evidence + Credit Policy Rules ↔ Lead Credit Underwriter Sign-off	Human-approved	Human-in-the-loop guarantee: AI suggests structuring, but human credit committee has full override control and audit trail.
30	Credit Appraisal Memorandum (CAM) Risk & CAM Gen	All Pipeline Stage Outputs ↔ Credit Committee Archival Vault	Generate	Produces high-grade, formatted CAM document in seconds, reducing turnaround time from 3–5 days to under 30 minutes.

Strategic Pitch Highlights

Why BaseEngine's Underwriting Architecture Fits Correm

Engine Independence (No Vendor Lock-in)

Our adapter architecture decouples Correm from any single API vendor. You can plug in Karza, Perfios, Probe42, or in-house scrapers without touching the core underwriting rules.

Deterministic Math & Zero LLM Hallucination

All financial ratios, CMA spreading, and 3-way reconciliations are executed with 100% deterministic code. LLMs are strictly used for document OCR parsing and synthesizing readable risk narratives.

Unsecured Bridge-Loan Focus

Specifically tuned for short-term business lending: detects cash velocity, GST-to-bank discrepancies, bounce frequencies, and cross-directorship liabilities in minutes.

Human-in-the-Loop Auditability