Why AICA
Built for the way Indian credit actually works.
Indian credit runs on its own bureaus, filings, regulators and fraud patterns. AICA was built for them from day one, not adapted from a global tool.
- RBI Digital Lending Guidelines
- Compliant
- Account Aggregator
- Native · Setu · Finvu
- Bureaus: CIBIL, Experian, Equifax
- 3 of 3
- GSTN: GSTR-1, 3B, 9, annual
- All forms
- MCA21: DIN, directors
- Live fetch
- NCLT
- All benches
- EPFO workforce data
- Verified
- Indian bank statements
- 40+ formats
In practice
Why a global tool can’t do this.
01
Reads Indian documents natively.
60+ document types, out of the box.
- GSTR, Form 26AS, ITR, SA-700 and Form DIR-3.
- Indian bank statements in 40+ formats.
02
Speaks the language of Indian credit.
The vocabulary your credit officers already use.
- Working capital, debt-to-EBITDA, DSCR.
- Promoter exposure and related-party checks.
03
Catches Indian fraud patterns.
Built into the early-warning layer.
- Variance between GST and banking.
- Round-tripping signals, common-director schemes and shell-company patterns.
By design
Compliant and private before the first file.
RBI-compliant by default
Compliant with the RBI Digital Lending Guidelines from day one. Compliance is architecture, not a retrofit.
Indian sources, native
Bureau, GSTN, NCLT, MCA21, EPFO and bank statements, all wired in and consent-based.
Private, isolated LLM
Borrower files never touch public models. Your data stays inside.
ISO 27001 certified
Audited information-security management, AES-256 encryption and zero-trust access.
The story behind AICA
A Recur Club product.
Built by the Recur Club team, who have run an AI-native debt platform since 2021. Backed by InfoEdge Ventures.
See what built for India looks like in production.
Book a demo and the AICA team will run it on a third party of your choice.
Book a demo →