Perfios
AI-powered financial data platform for lending, underwriting, and analytics
About
Perfios is India's leading financial data and analytics platform, powering the lending decisions of over 900 financial institutions across the country. Its AI analyses bank statements, ITRs, and GST data to provide instant credit decisioning, fraud detection, and income verification — capabilities that are critical for the Indian BFSI ecosystem's shift to digital lending. Perfios has processed over 3 billion transactions and is embedded in the underwriting workflows of virtually every major Indian bank and NBFC. Key Features: Bank statement analysis with AI-powered income verification | GST and ITR data extraction and analysis | Bureau data integration for credit assessment | Real-time fraud detection and KYC verification | Account aggregator framework integration | API-first architecture for seamless lending platform integration | Regulatory compliance for RBI requirements Best For: Indian fintech companies, NBFCs, banks, and lending platforms that need AI-powered financial data analysis for credit decisioning and KYC. Pros: The standard for India bank statement analysis | Regulatory compliant for RBI requirements | Trusted by 900+ financial institutions Cons: Enterprise pricing only — not accessible for startups | Integration requires technical team | Focused on India — limited global applicability
Problem It Solves
Credit assessment, bank statement analysis, financial intelligence
Best For
Fintech, BFSI, NBFCs in India