Adhikar Finance — Credit Intelligence

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Welcome

TOTAL PRE-SCREENINGS

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THIS MONTH

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PIPELINE AMOUNT

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CONVERTED TO APPLICATION

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PIPELINE OVERVIEW

Pre-screenings

ID	APPLICANT	PAN	LOAN TYPE	AMOUNT	STAGE	SCORE	BSA	CREATED	ASSIGNED

NO PRE-SCREENINGS FOUND

New Pre-screening

Fill borrower details to create a new pre-screening record

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COMPOSITE SCORE

ASSIGNED TO

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Bank Statement Analyser

Standalone BSA — no enquiry needed. Upload a PDF and get instant credit analysis.

BORROWER DETAILS (OPTIONAL)

BORROWER NAME

LOAN TYPE

ENTITY TYPE

PROPOSED EMI (₹)

ANTHROPIC API KEY FOR AI MEMO

✓ AI memo is configured server-side. Leave blank to use server key, or enter your own to override.

BANK STATEMENT PDF

ⓘ Supported banks: HDFC · Axis Bank · Union Bank · Canara · SBI · ICICI · Kotak · IndusInd · Yes Bank. Analysis takes 15–45 seconds depending on statement length.

PAST BSA ANALYSES

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Credit Bureau Reports

Pull CIBIL and other bureau reports for any borrower

ⓘ Live CIBIL API credentials are being onboarded. Reports below are mock data for demonstration. Equifax, Experian and CRIF credentials expected in 7–10 days.

NEW BUREAU PULL

APPLICANT NAME *

PAN NUMBER *

DATE OF BIRTH *

MOBILE

LOAN TYPE

SELECT BUREAUS

TransUnion CIBIL SELECTED ✓

Score 300–900 · Most widely used

Equifax India CREDS PENDING

Score 300–900 · Good for retail

Experian India CREDS PENDING

Score 300–900 · New-to-credit

CRIF High Mark CREDS PENDING

Score 300–900 · Best for MSME

⚠ Pulling credit reports without borrower consent violates the CIC Act 2005. Ensure written consent is on record before proceeding.

Configuration

Platform settings and administration

PIPELINE STAGES

Define the stages a pre-screening moves through, from intake to disbursal or rejection.

LOAN TYPES

Define the loan products offered. These appear in the pre-screening form and the new application modal.

SCORE WEIGHTS BY LOAN TYPE

Weights should sum to 100% per loan type. The composite score is a weighted average of BSA, CIBIL (normalised), business vintage, and manual override scores.

AGREEMENT TEMPLATES Upload Template

Upload a Word (.docx) file. Use {{placeholder}} tags anywhere in the document — they will be filled automatically from pre-screening data when you generate an agreement.

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AVAILABLE PLACEHOLDERS

Click any tag to copy it. Paste inside {{ }} in your Word document exactly as shown.

SYSTEM

CUSTOM PLACEHOLDERS

Define extra placeholders not in the pre-screening form — e.g. witness_name, branch_address. You will be prompted to fill these each time you generate an agreement.

USERS

Platform users and their assigned roles.

ROLES & PERMISSIONS

Define what each role can see and do. ★ = system role (cannot be deleted).

Applications

APP ID	APPLICANT	LOAN TYPE	AMOUNT	PAN	STATUS	CREATED

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CIC Report

Generate TUDF files for CIC submission

AUTO GENERATE FROM LMS

Pulls all live loan records, computes DPD from EMI schedule, and generates TUDF files for all 4 CICs in one click.

REPORT TYPE

REPORT DATE

RECORDS PREVIEW

FILES GENERATED

CIC CREDENTIALS

Saved credentials are auto-filled into the file header. Passwords are stored server-side in field_config.json.

CIBIL (TransUnion)

MEMBER ID

SHORT NAME

PASSWORD

CYCLE ID

EQUIFAX

MEMBER ID

SHORT NAME

PASSWORD

CYCLE ID

EXPERIAN

MEMBER ID

SHORT NAME

PASSWORD

CYCLE ID

CRIF HIGH MARK

MEMBER ID

SHORT NAME

PASSWORD

CYCLE ID

FILE HEADER

MEMBER ID ⓘ

SHORT NAME ⓘ

PASSWORD ⓘ

CYCLE ID (2 chars) ⓘ

REPORTING DATE ⓘ

AUTH METHOD ⓘ

BORROWER NAME & DEMOGRAPHICS

FIRST NAME * ⓘ

MIDDLE NAME ⓘ

LAST NAME ⓘ

NAME FIELD 4 ⓘ

NAME FIELD 5 ⓘ

DATE OF BIRTH ⓘ

GENDER ⓘ

IDENTITY & CONTACT

PAN ⓘ

AADHAAR ⓘ

VOTER ID ⓘ

PASSPORT ⓘ

MOBILE * ⓘ

ALTERNATE PHONE ⓘ

EMAIL ⓘ

ADDRESS

ADDRESS LINE 1 * ⓘ

ADDRESS LINE 2 ⓘ

ADDRESS LINE 3 ⓘ

CITY * ⓘ

PIN CODE ⓘ

STATE ⓘ

ADDRESS CATEGORY ⓘ

ACCOUNT / TRADE LINE

MEMBER CODE ⓘ

MEMBER SHORT NAME ⓘ

ACCOUNT NUMBER * ⓘ

ACCOUNT TYPE * ⓘ

OWNERSHIP ⓘ

DATE OPENED * ⓘ

DATE LAST PAYMENT ⓘ

DATE CLOSED ⓘ

DATE REPORTED ⓘ

SANCTIONED AMOUNT ₹ ⓘ

CURRENT BALANCE ₹ ⓘ

AMOUNT OVERDUE ₹ ⓘ

DPD (Days Past Due) ⓘ

ASSET CLASSIFICATION ⓘ

CREDIT FACILITY STATUS ⓘ

SUIT FILED / WILFUL ⓘ

RATE OF INTEREST % ⓘ

TENURE (months) ⓘ

EMI AMOUNT ₹ ⓘ

PAYMENT FREQUENCY ⓘ

OCCUPATION CODE ⓘ

WRITTEN OFF (TOTAL) ₹ ⓘ

WRITTEN OFF (PRINCIPAL) ₹ ⓘ

SETTLEMENT AMOUNT ₹ ⓘ

PAYMENT HISTORY

Include monthly payment history in submission

MM/YYYY ⓘ	DPD Code ⓘ	Overdue ₹ ⓘ	Balance ₹ ⓘ	Payment ₹ ⓘ

ⓘ DPD codes: STD=Standard, 000-900=days past due, SMA=Special Mention, SUB=Substandard, DBT=Doubtful, LSS=Loss, XXX=No data

REVIEW & GENERATE

VALIDATE & GENERATE

Click Validate before generating.

FILES READY

ONLINE MAINTENANCE (OLM) — DATA CORRECTION GUIDE v1.0 · Mar 2026

OLM templates are structured to capture corrections in a standardized and controlled manner, aligned to the UCRF for each bureau. Each row represents a single, clearly defined correction request. Covers all 3 data repositories: Consumer · Commercial · MFI.

META FIELDS — COMMON TO ALL OLM SUBMISSIONS

Field	Length	Type	Values / Notes
Member Code	10	Mandatory	Valid 10-char Member Code assigned by any CIC
OLM Type	2	Optional	01 = Complaint-related · 02 = Non-complaint-related
Date of Complaint	8	Conditional	Only when OLM Type = 01. Format: DDMMYYYY
Complaint Raised Through	2	Conditional	01 = CIC · 02 = CI (Credit Institution)
CIC Name	2	Conditional	01=CRIF · 02=Equifax · 03=Experian · 04=TU CIBIL · 05=All
Complaint Ticket Number	30	Conditional	Ticket number raised at CI or CIC end (when OLM Type = 01)
CIR Number	15	Conditional	Unique report number on which complaint is raised

1. UCRF VALIDATION ALIGNMENT

Not all validations in this OLM guide align with the UCRF guide. Refer to the specific validations stated in this guide for OLM submissions.

2. PREVENT OVERWRITE OF CORRECTED DATA

If erroneous data continues in regular submission files after OLM correction, it will overwrite the corrected data. Provide corrected data in all subsequent submissions.

3. MANDATORY FIELD REQUIREMENTS

Red fields = Mandatory. Blue fields = Conditionally mandatory. At least one address must remain on file at all times.

4. DATE-RELATED VALIDATIONS

All dates must follow UCRF format and logical sequencing (e.g. Account opening date must precede Account closed date). Format: DDMMYYYY.

5. COMPLAINT TICKET & CIR NUMBER

Provide correct complaint ticket number and CIR number associated with the concerned CIC. Helps track complaints and issue corrected CIRs.

6. MULTIPLE BORROWERS ON ONE TRADELINE

Data corrections apply to all borrowers linked to the account. Revised CIR is sent exclusively to the original complainant. IO/BO cases: use WebPull with prescribed enquiry purpose (no footprint).

7. FILE NAMING CONVENTION

Consumer: Consumer_OLM_<text>.xlsx

Commercial: Commercial_OLM_<text>.xlsx

MFI: MFI_OLM_<text>.xlsx

Free text up to 20 chars

8. USE STANDARD OLM TEMPLATE (.xlsx)

Do not alter template content. No new columns, no renamed/rearranged/deleted sheets or columns. Multiple correction requests can span multiple sheets in one file.

9. UCRF-COMPLIANT FIELD VALUES

Use only UCRF-defined catalog/code values (e.g. "01" not "Personal Loan"). Expanded text or free-form values will cause outright rejection. New Date Reported only accepted for closed accounts.

10. META FIELDS — ALL SUBMISSIONS

Meta fields classify, track, and process OLM requests. Populate accurately — incorrect/incomplete meta fields may affect downstream processing and dispute resolution timelines.

11. SUPPRESSION — OVERVIEW

Used to remove/exclude data from credit reporting without deleting the account. Types: Account, Enquiry, Segment/Field-wise (Address, ID, Telephone, Email, Relationship, Credit Facility, Guarantor, Security, Cheque).

12. OLD / CURRENT DETAILS (ORANGE COLUMNS)

Orange columns capture existing values for record identification. Mandatory requirement for PII corrections. Must populate both: Orange (existing) + UCRF (updated). Missing either = rejection.

13. EXCEPTIONAL SCENARIOS — OUTSIDE OLM SCOPE

Not handled via OLM: Changes to Date Reported, removal of account history for specific periods, enquiry ownership/attribution changes. These are evaluated separately by the concerned CIC.

14. ENQUIRY NUMBER TERMINOLOGY ACROSS CICs

Experian → ERN (Enquiry Reference Number)

TransUnion CIBIL → ECN (Enquiry Control Number)

Equifax → Report Order Number

CRIF High Mark → CHM Reference Number

SECTION 1 — CONSUMER REPOSITORY OLM TEMPLATE

Covers: Tradeline Update · PII Update · Account & Enquiry Suppression/Unsuppression · PII Suppression · Enquiry Update · Merger & Account Change

TRADELINE UPDATE SHEET

For correction of existing tradeline (account segment) data. Cannot add new accounts. Each row = one tradeline update request.

MANDATORY IDENTIFICATION FIELDS

Member Code
Account Number
Consumer Name
Date Reported (DDMMYYYY)

FOR CLOSURE / ZERO BALANCE

Current Balance = 0
Amount Overdue = 0
DPD = 0
Written-off/Settlement amounts as per UCRF

PII UPDATE SHEET

For corrections to Name, DOB/Gender, Identification, Telephone, Email, Address. Not for tradeline/account updates.

NAME / DOB / GENDER

Old values in orange columns → updated values in Name Field 1–5, DOB, Gender. DOB: DDMMYYYY, not future-dated.

IDENTIFICATION

Old ID Type & Number mandatory. Updates only in UCRF fields. New identifiers cannot be added via OLM.

ADDRESS

Old Address & Category mandatory. Updated details across Address Line 1–5, State Code, PIN Code, Residence Code, Category as per UCRF.

ACCOUNT & ENQUIRY SUPPRESSION / UNSUPPRESSION

ACCOUNT SUPPRESSION — ALL BORROWERS

Fields: Member Code · Account Number · Account Suppression Reason (mandatory)

ACCOUNT SUPPRESSION — SPECIFIC BORROWER

Option A: Account Number + Consumer Name + Account Type + Ownership Indicator
Option B: Using Enquiry Number (must belong to same CIC)

ENQUIRY SUPPRESSION

ID Method 1: Enquiry Number
ID Method 2: Enquiry Date + Amount + Purpose + Time (if available) + Borrower Name + (ID Type & Number OR Phone)
Suppression Reason mandatory (max 200 chars)

KEY RULES

• Suppression along with tradeline updates for same account: both are processed
• If member reports data after suppression, data keeps updating in CIC DB
• If multiple enquiries match, latest is suppressed

PII SUPPRESSION SHEET

Suppress specific PII attributes. Each row = one attribute suppression. Multiple suppressions = separate rows.

ID SUPPRESSION

Old ID Type + Old ID Number + Member Code + Account Number + Consumer Name

TELEPHONE

Old Telephone Number + Old Telephone Type + Member Code + Account Number + Consumer Name

Old Email (must match DB) + Member Code + Account Number + Consumer Name

ADDRESS

Old Address + Old Address Category + Member Code + Account Number + Consumer Name

ENQUIRY UPDATE SHEET

Update Enquiry Purpose and/or Enquiry Amount only. Each row = one enquiry update. Enquiry Number must match the bureau database. Updated values must comply with Consumer Bureau UCRF catalogue values.

MERGER & ACCOUNT CHANGE SHEET

For account mergers within same CI or portfolio/account transfer between different CIs.

MANDATORY FIELDS (ALL 4 REQUIRED)

Old Member Code
Old Account Number
New Member Code
New Account Number

SCENARIOS

Same CI merger: Old = New Member Code
Portfolio transfer: Old ≠ New Member Code
Optional: Account Type / Ownership Indicator if changing

SECTION 2 — COMMERCIAL REPOSITORY OLM TEMPLATE

Covers: Tradeline Update · PII Update · Other Updates · PII Suppression · Suppression/Unsuppression · Merger & Account Change

TRADELINE UPDATE SHEET

Correction of credit facility/tradeline data under Commercial Bureau UCRF. Cannot add new tradelines. All updates must adhere to Commercial UCRF validations.

MANDATORY FIELDS

Member Code
Account Number
Borrower Name
Reporting / Cycle Date (DDMMYYYY)

CLOSURE / STATUS RULES

Closure: Balance=0, Overdue=0, DPD=0
Written-off: Written-off Amount fields required
Settled: Settlement Amount required
Restructured: All conditional fields required

PII UPDATE SHEET

Correction of PII and related segment details. Cannot insert new records. Mandatory control fields: Member Code · Borrower Name · Account Number.

BORROWER DETAILS

Old values in orange columns → updated in UCRF columns. Borrower Name + Account Number = control fields.

ADDRESS

Old Address + Borrower Office Location Type mandatory. Updated address in UCRF address columns.

RELATIONSHIP

Old Related Type + Business Entity Name / Full Name mandatory. Type determines which name is applicable.

GUARANTOR

Old Guarantor Type + Entity Name / Full Name mandatory. Cannot insert new guarantor records.

OTHER UPDATES SHEET

For non-tradeline attributes: Relationship · Guarantor · Security · Dishonour of Cheque · Enquiry details. Cannot insert new records.

SECURITY CORRECTION

Existing Security Type + Value of Security + Account Number mandatory.

CHEQUE DISHONOUR

Existing Cheque Number + Account Number mandatory.

ENQUIRY UPDATE

Only Enquiry Purpose and/or Amount can be updated. Enquiry Number must belong to same CIC.

PII SUPPRESSION SHEET

Suppress existing PII values. Control fields: Member Code · Borrower Name · Account Number. Segments: Borrower · Address · Relationship · Guarantor. State & Pin Code can only be suppressed for Foreign Addresses.

SUPPRESSION / UNSUPPRESSION SHEETS (SEGMENT & ENQUIRY)

Segments: Account · Relationship · Guarantor · Address · Security · Cheque Dishonour · Enquiry

ACCOUNT SUPPRESSION — SPECIFIC BORROWER

Option A: Account Number + Credit Type
Option B: Enquiry Number (must belong to same CIC/bureau)

KEY RULES

Suppression/Unsuppression: existing records only
All identification fields must be accurate
Missing reason or incomplete ID = rejection

MERGER & ACCOUNT CHANGE SHEET

For portfolio buyouts and account transfers under Commercial Bureau. Does NOT modify tradeline attributes — only maps old → new structure.

ALL 4 FIELDS MANDATORY

Old Member Code · Old Account Number · New Member Code · New Account Number

SCENARIOS

Portfolio Transfer / Account Sale: Old ≠ New Member Code
Account Merger within same CI: Old = New Member Code

SECTION 3 — MFI REPOSITORY OLM TEMPLATE

Covers: Tradeline Update · PII Update · PII Suppression · Other Updates · Account & Enquiry Suppression/Unsuppression · Merger & Account Change

TRADELINE UPDATE SHEET

Supports both Group-level and Member/Account-level corrections. Each row must clearly identify the correction level and populate mandatory identifiers.

COMMON MANDATORY FIELDS

Member Code
Group Name or Member Name
Date Reported (DDMMYYYY)

GROUP-LEVEL

Group Loan Account Number mandatory. Member-level fields alone insufficient.

MEMBER/ACCOUNT-LEVEL

Unique Account Reference Number + Account Number both mandatory.

Closure: Outstanding Balance = 0, Amount Overdue = 0, DPD = 0. Catalogue codes only — no descriptive text.

PII UPDATE SHEET

For Group-level and Member-level PII, relationship, ID, and telephone details. Orange columns (Old/Current Details) mandatory for each correction.

GROUP SEGMENT

Group Identifier (Old) + Group Name (Old) mandatory to identify the group.

MEMBER SEGMENT

Member Identifier (Old) + Member Name (Old) mandatory.

ACCOUNT SEGMENT

Group Identifier (Old + Updated) mandatory. Used for Group Identifier updates in Account Segment.

PII SUPPRESSION SHEET

Suppress Group-level and Member-level PII, relationship, ID, address, telephone, email. Control field: Member Code (mandatory for all).

GROUP SEGMENT SUPPRESSION

Group Identifier (Old) + Group Name (Old)

MEMBER SEGMENT SUPPRESSION

Member Identifier (Old) + Member Name (Old). Group Identifier in Member Segment can only be suppressed when Loan Category = T03.

OTHER UPDATES SHEET

Group segment corrections · Member segment corrections · Enquiry Purpose/Amount updates. Enquiry Purpose must be from the official MFI UCRF enquiry purpose catalog values.

Mandatory: Member Code + Group Identifier + Group Name (for Group) — or — Member Code + Member Identifier + Member Name (for Member).

ACCOUNT & ENQUIRY SUPPRESSION / UNSUPPRESSION

GROUP LEVEL

Group Identifier + Group Name must uniquely match an existing record.

MEMBER LEVEL

Member Identifier + Member Name. Enquiry purpose from valid MFI UCRF catalog.

ENQUIRY SUPPRESSION

Identifiers must match existing record. Member Code mismatch = rejection.

MERGER & ACCOUNT CHANGE SHEET

For portfolio transfers, account number changes, account reference updates. Preserves continuity of credit history.

MANDATORY FIELDS

Old Member Code · Old Account Number · New Member Code · New Account Number

USAGE GUIDANCE

Same CI: Old = New Member Code
Portfolio transfer: Old ≠ New Member Code
Cannot ingest new accounts. Old identifiers must match existing bureau data.

Loan Management

PAYMENT COLLECTION CALENDAR

Loan Accounts

LOAN NO.	APPLICANT	PRINCIPAL	OUTSTANDING	EMI	NEXT DUE	STATUS	OVERDUE

NO LOAN ACCOUNTS FOUND

Supply Chain Finance

Invoice-based financing · Per-invoice disbursement & collection

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Accounting

Income & Expense Ledger

ADD ENTRY

DATE

TYPE