FusionKYC brings real-time India Stack verification, offline-first field operations, and AI underwriting to Housing Finance Companies — RBI compliant from day one.
Live API integrations — PAN, Telco, DigiLocker, Aadhaar eKYC, and offline QR all work in one seamless journey
Field RMs in rural villages can complete full KYC offline. Data is AES-256 encrypted locally and synced automatically when connectivity returns.
RBI mandates HFC cannot outsource credit decisions. Every application routes through a compliance officer queue — AI assessment + official approval — before KFS issuance.
Fusionpact AI computes FOIR, LTV, blended income score across GST, bank statement, AA, and RM declaration. Configurable thresholds per HFC tenant.
CERSAI v3.0 XML generated automatically per application. Aadhaar masked (XXXX XXXX + last 4). Per-HFC institution code. Auto-upload on code receipt.
Upload PDF bank statement → Claude AI extracts income, EMI obligations, average balance, and flags irregularities. Auto-fills underwriting fields.
Mantra MFS100 and Morpho MSO 1300 E3 RD Service integration built-in. UIDAI L1 compliant PID block capture via localhost RD Service.
Each HFC gets isolated tenant with own KYC mode, income sources, underwriting thresholds, and compliance team. Onboard in under 30 minutes.
Every feature in FusionKYC was designed with RBI Master Directions, UIDAI mandates, and DPDP Act 2023 as first principles — not retrofitted compliance.
Pay once, use forever. No monthly subscription. No per-application fees.
Join other HFCs already transforming their loan origination with FusionKYC.