Perfios Lending & Underwriting Suite

Perfios is a financial data and decisioning company founded in 2008 by V.R. Govindarajan and Debashish Chakraborty, operating as Perfios Software Solutions Private Limited in India. It serves 1,000+ banks, NBFCs, fintechs and insurers that need to verify income, analyse financial documents and decide on loans faster.

The lending suite includes the Bank Statement Analyser and analysers for tax returns, GST, payslips and financial statements, the InteGreat loan origination platform, iAdore and Perfios Credit Assist for AI underwriting, Perfios Lens and CAM for credit appraisal, an embedded lending hub and the Garner collections product. More than 500 APIs connect to open banking data exchanges and lender systems. Customers include ICICI, HDFC, Axis, Standard Chartered, RHB, Security Bank in the Philippines and Techcombank in Vietnam.

• Bank Statement Analyser: Extracts and categorises transactions to assess income and repayment capacity.
• Document analysers: Reads tax returns, GST filings, payslips and financial statements.
• InteGreat LOS: Runs onboarding, verification, origination and loan processing end to end.
• AI underwriting: iAdore and Credit Assist support credit appraisal with generative AI.
• Open banking connectors: FIU and FIP modules exchange consented data with financial institutions.
• Collections: Garner and CreditNirvana support recovery with agentic AI.

A Vietnamese bank can analyse SME bank statements and financial reports automatically to speed up working capital loan appraisal. A consumer finance company can verify salaried applicants' income from statements and payslips. A lender can run its digital loan origination and AI-assisted credit memos on one platform.

Lenders automate document-heavy steps such as bank statement and financial statement analysis, cutting manual underwriting effort. A customer case published in November 2025 reports Beehive Fintech reaching 48% faster loan decisions with Perfios. One vendor covers data aggregation, verification, origination, underwriting and collections, reducing integration work across the loan lifecycle.

Lenders across South and Southeast Asia are moving from manual document review to automated, consent-based data analysis, driven by open banking frameworks and rising SME and retail credit demand. Vietnamese banks and finance companies are also digitising origination and underwriting to serve customers with limited formal credit history.

Founded in 2008; raised a total of 435.1 million USD, including a 229 million USD Series D in 2023, with investors such as Warburg Pincus, Kedaara, Bessemer Venture Partners and Ontario Teachers' Pension Plan. Acquired Karza Technologies and Fintech Labs. 1,300+ employees and country sites in 18+ geographies including Vietnam. Holds ISO 27001, ISO 27017, ISO 27701, ISO 42001 and CSA STAR Level 2.