Claude
GPT-class
Gemini
Mistralfinance,
rewritten in
real time.
One AI-native platform for India's financial institutions — NBFC lending (LOS, LMS, EIR, ECL), borrowings, IFRS 16 leasing, spend, expense intelligence, fixed assets, the close and IFRS 17 reserving — posting into a single source of truth, built for RBI, SEBI, IRDAI, Ind AS and Companies Act compliance.
17 product lines. One ledger every one of them posts into.
Licence one line or the whole suite. Each is built the same way — deterministic, tested engines for every figure, AI for documents and questions, configuration instead of customisation — so the second product you add already agrees with the first.
Lending & Treasury
4 productsAccounting & Close
5 productsInsurance & Funds
4 productsAudit & Assurance
1 productsAI & Custom Build
3 productsThe numbers each product gets right that the market gets wrong.
Application to annual report, one loan book.
Origination, servicing, EOD, collateral, dealer schemes, provisions, CIC and the GL feed on one engine. The schedule you service is the cash flow the EIR is solved on.
- PASS / REFER / FAIL underwriting with the arithmetic behind every rule
- RBI Key Facts Statement with APR computation sheet
- NACH return codes that drive the next action
- Sharded, idempotent end of day — safe to re-run
Configurable where others are rigid. AI-native where others bolt on a chatbot.
Configure, don't customise.
Credit policy, SICR rules, tax masters, approval matrices, mapping rules and methodology are versioned, effective-dated data your controllers edit under maker-checker. A new loan product or a methodology change is an approval, not a vendor release.
The engine computes. AI explains.
AI reads lease contracts, receipts, invoices and commission agreements; drafts narratives whose numbers are validated; answers questions over reviewed queries. It never computes, posts or approves an amount — which is why an auditor can live with it.
One engine, so the numbers agree.
ECL discounted at the rate interest was recognised at. Lessee and lessor in one sub-ledger. ITC refused on bills it isn't legal to claim. NL returns derived from the ledger. Point products can't match these without being rebuilt as one platform.
The modern finance function runs on last quarter's certainty and next quarter's anxiety. FinIFRS closes the gap.
Trial Balance Automation
Upload, parse, and validate through four financial rules — TB-001 to TB-004. The close begins before a human opens Excel.
GL Mapping Engine
Indian financial keywords auto-map your chart of accounts. Unmapped GL codes surface as exceptions — the only work left.
Variance Intelligence
CY vs PY, Actual vs Budget, driver analysis — with complete audit lineage. Every variance explained. Every figure traceable.
Regulatory Reports
Balance Sheet, P&L, Notes, NL-29, Board Deck — generated from one connected source. One number. Every format. No drift.
Exception Engine
Nine validation checks — unmapped GL, BS imbalance, DR/CR mismatch. Every breach explained, every flag immutable.
Close Health Score
A 0–100 composite of mapping, exceptions, reviews, reconciliation, and timeliness — surfaced before the CFO asks.
Contextual Collaboration
Review comments, audit questions, and adjustment explanations linked directly to individual balance sheet cells.
Immutable Audit Trail
Every mapping override and controller sign-off creates an append-only, cryptographically-hashed record with user identity.
CFO Ready Disclosures
Auto-compile statutory financial statements and board decks. MCA Schedule III, SEBI formats, presentation-ready instantly.
The IFRS 17 pack that refuses to publish when it does not tie.
Forty-one reconciliation identities run on every change — every roll-forward closing, every note tying to every other note and to the GL. One break and the pack says BLOCKED and declines to be signed. All pass, and every published figure drills to its source rows, or to the formula and the Ind AS 117 paragraph behind it.
New: the reserving workflow. Thirteen stages from bordereau to report now compute end to end — EPI and UPR, claims triangles, RBNS, IBNR, chain ladder, Bornhuetter-Ferguson, Cape Cod, Benktander, Mack and bootstrap — with a method advisor, a working paper on screen, and triangle-to-LIC suggestions your actuary accepts or overrides with a rationale. Measurement stays your choice per portfolio, and the India parallel-run pack still ships.
The audit file that will not sign until it is complete.
For the firms that audit our clients. The entity profile decides which SAs, CARO 2020 clauses, IFC and industry procedures apply — and says “cannot decide” instead of guessing. The client's Tally edit log is tested for Rule 11(g) end to end. Sign-off is blocked without evidence, independence declarations and EQCR. Try it on a demo practice, no login needed.
A method, not a module. Four movements from data exhaust to defensible decision.
Watch the Close Engine Work
The Unified Close Management Platform for Indian Enterprise Finance
See the Live Reconciliation Engine in Action
Live Regulatory Metric Monitoring
FinIFRS aggregates your trial balance and computes SEBI/RBI-mandated ratios continuously. Controllers see the live compliance picture — not a stale monthly snapshot.
NAV accuracy within SEBI-mandated tolerance. Auto-reconciled daily against RTA files, custodian statements, and internal sub-ledger.
VerifiedNeck and neck: what a stack of point products can't do.
| Capability | Point-product stack | Spreadsheets + consultants | FinIFRS |
|---|---|---|---|
| Lending, leasing, spend, close and insurance on one ledger | Separate vendors | Workbooks | ✓ One platform |
| EIR and ECL from the same engine | Two systems | Two workbooks | ✓ Provably one rate |
| Lessee and lessor under IFRS 16 | Lessee only | Manual | ✓ Both sides |
| Indian tax logic — GST, ITC, RCM, TDS, MSME 43B(h) | Add-on or partner | Manual | ✓ Deterministic engines |
| RBI, SEBI and IRDAI returns derived from the ledger | Report writer | Re-keyed | ✓ Derived, versioned |
| Product change without a release | Change request | Edit the macro | ✓ Config + maker-checker |
| Every figure drills to its source row | Partial | — | ✓ Lineage everywhere |
| AI that cannot invent a figure | Bolted-on chat | — | ✓ Engine computes, AI explains |
| Hash-chained audit trail | Logs | — | ✓ Tamper-evident |
| Custom workflow built to your requirement | SI project, months | Consultant | ✓ Same platform, weeks |
Answers to key compliance,
database, and setup queries.
Close better.
Decide sooner.
Spend ninety minutes with our finance intelligence team. We'll map your close, identify three points of leverage, and leave you with a working brief — whether you choose FinIFRS or not.