Most NBFCs run AML checks after the bureau pull. That's too late.
Once a bureau score comes back clean, there's a natural tendency to fast-track the file. But CIBIL scores measure repayment history - they have zero visibility into circular fund flows, mule account patterns, or structuring behaviour.
Under RBI's KYC Master Direction and PMLA obligations, NBFCs are required to conduct AML due diligence at origination, not reactively after delinquency.
The five patterns that matter most at this stage, circular transactions, dormant account reactivation, cash structuring below ₹50,000 CTR thresholds, UPI mule signals, and income-expenditure mismatches against GST, are all visible in the bank statement before a rupee is disbursed.
Precisa's AML Analysis module flags all five automatically, across 850+ Indian bank formats, with a documented audit trail that satisfies CIMS reporting requirements.
Run AML before the bureau check. Not after.
