Shruhani Technologies builds real-time risk intelligence for Indian banks, NBFCs, and lenders. We read the digital and behavioural signals around every applicant and transaction, so your team approves genuine customers faster and stops fraud before money moves.
Documents are real. Intent often isn't. Today's checks confirm who someone claims to be. They rarely answer why an account is really being opened.
The Aadhaar is genuine, the PAN is genuine, the person is genuine. The fraud sits in what the account is used for, and document checks have no way to see it.
New-to-credit borrowers, gig workers, and young professionals carry little or no bureau history. A backward-looking score cannot separate a good thin-file applicant from a fabricated one.
Organised rings reuse a small set of devices across hundreds of applications, cycle SIMs, and lean on residential proxies that look like ordinary home broadband.
With carrier-grade NAT across Indian ISPs, thousands of users share a single public IP. Risk has to be read from the device and the behaviour, not the address.
Shruhani sits on top of your existing fraud, KYC, and underwriting stack and adds the signal layer those systems structurally miss. No rip-and-replace.
Score every applicant in real time from device, digital footprint, location, and image signals, before disbursal. Green-channel genuine customers, flag the rest.
Alternate-data signals for new-to-credit and thin-file segments where bureau coverage is limited, so you can widen approvals without widening default.
Surface coordinated rings and mule accounts that clear document checks, using persistent device signals and network-level connections between accounts.
Continuous post-onboarding monitoring and case workflows built for Indian regulatory reporting, with audit trails your team can stand behind.
Collect device, phone, email, location, behaviour, and image signals through a simple API or a lightweight SDK. Most modules need no app-side change.
Models tuned to Indian patterns turn raw signals into risk scores and explainable flags, calibrated to your portfolio rather than industry averages.
Scores feed straight into your onboarding, fraud, and underwriting systems. Approve, review, or decline, with the evidence behind every call.
Onboarding, mule detection, and EDD workflows for regulated banks.
Thin-file underwriting and application-fraud control for digital lending.
Real-time risk scoring for high-volume onboarding and transactions.
Trust scoring, fake-profile detection, and promo-abuse prevention.
Shruhani is built around the requirements Indian financial institutions answer to, with deployment options that fit your data-residency needs.
Deployment: cloud, on-premise, or hybrid. Encryption in transit and at rest.
Tell us about your onboarding and fraud challenges, and we'll walk you through how Shruhani fits your stack.