Credit Chakra transforms post-disbursement MSME lending through autonomous AI agents (ChakraIQ) and India's Digital Public Infrastructure (DPI).

Our Mission:

To drive the transition from simple loan disbursement to borrower success—empowering lenders to act earlier, engage smarter, and prevent delinquency before it begins.

The Problem We Solve:

Traditional MSME portfolio monitoring is reactive, manual, and expensive. Lenders detect potential defaults months too late, leading to massive, preventable Non-Performing Assets (NPAs) annually.

Our Solution:

We use a Multi-Agent AI architecture that monitors 15+ real-time data sources to deliver 24/7 proactive risk intelligence:

Continuous Monitoring: 24/7 intelligence vs. manual quarterly reviews.

DPI Integration: Real-time data streams from Account Aggregator, GST, TReDS, and UPI.

Agent Collaboration: Autonomous Cash Flow, Compliance, Market, and Fraud detection agents working together.

Early Warning: Provides 3-6 month advance default prediction.

Proven ROI: Delivers 8-10x returns through actively prevented NPAs.

Technology & Focus:

Our stack leverages LangGraph and CrewAI for multi-agent orchestration, deep DPI integration, and real-time streaming analytics. We prioritize Explainable AI for full transparency and regulatory compliance.

Target Partners:

We collaborate with Private Banks, NBFCs, and Fintech lenders who are focused on the MSME segment and committed to modernizing their portfolio risk operations.

Credit Chakra

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Credit Chakra

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