Sub-3-second credit decisions: how NBFCs are cutting loan TAT with integrated underwriting

The average loan approval cycle at a mid-sized NBFC in India runs 3 to 7 working days. Most of that time is not assessment — it is data collection. Pulling bureau reports, verifying Aadhaar and PAN, checking GST and ITR data, running bank statement analysis — each from a separate system, manually stitched together by a credit analyst. Finezza integrates CIBIL, CRIF, Experian, Equifax, Aadhaar eKYC, GST, ITR, and bank statement analysis in a single underwriting screen. Credit teams get a 360-degree borrower view without switching systems. Bureau pulls happen automatically on application submission. The result: sub-3-second credit decisions for standard profiles. Your credit team's time goes to judgment, not data collection.