The NPA Crisis WasA Judgment Crisis.
India's scheduled commercial banks lost ₹10 lakh crore to NPAs over a decade. Not because data was unavailable. Because evaluation infrastructure did not exist. Zurvek is that infrastructure.
Forensic Pre-Sanction Audit
Cross-references every numerical claim in borrower submissions. Revenue discrepancies, date stamp anomalies, and working capital gaps — flagged with severity and page citations.
MSME Document Evaluation
Purpose-built for unstructured documents. Pitch decks, projected financials, partial records — audit-grade evaluation regardless of document completeness.
Geopolitical War Room
Six-vector risk mapping for infrastructure and manufacturing credit: commodities, cyber, FX, human capital, logistics chokepoints, and sanctions exposure.
Alignment WithRBI Supervisory Framework
Internal Rating Based Approach: Zurvek's composite scoring methodology — Vₛ = (wₘSₘ + wfSf + wₜSₜ) × (1 − Pf) × (1 − Gr) — produces reproducible, auditable scores from defined inputs.
Early Warning Signals: The Verdict Integrity Loop generates outcome data that can feed into Early Warning Signal frameworks.
Audit Trail: Every evaluation is cryptographically timestamped and immutable — meeting documentation requirements for internal audit, statutory audit, and RBI inspection.
CRILC Reporting: Evaluation records are structured so they can be referenced alongside Central Repository of Information on Large Credits reporting. Formatted regulatory exports are being enabled progressively for early access institutions and are not generally available yet.
Sovereign InfrastructureDeployment Roadmap
Today: Cloud-based with enterprise data processing agreements.
In rollout: Restricted-infrastructure deployment options are being enabled progressively for early access institutions. Not generally available yet — scope is discussed under a pilot engagement.
Pilot Program
- • 90-day evaluation access for a defined credit team
- • 50 evaluations with the bank's own borrower documents
- • Outcome tracking setup for Verdict Integrity Loop initiation
- • Integration assessment for existing LOS and credit workflow
- • Post-pilot evaluation report with accuracy metrics
Contact: support@zurvek.com — Subject: PSU Bank Pilot Inquiry
"We are not building software for banks. We are building the operating system for institutional judgment."
VentureSense Technologies LLP · LLPIN: ACR-5230 · DPIIT Startup India Recognized · Noida, Uttar Pradesh, India