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 to support Central Repository of Information on Large Credits reporting requirements.
Sovereign InfrastructureDeployment Roadmap
Phase 1 (Current): Cloud-based with enterprise data processing agreements.
Phase 2 (Post-Series A): Private cloud deployment on government-approved infrastructure.
Phase 3: Air-gapped on-premise sovereign SLM deployment for classified institutional environments.
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