Revolutionize SME Lending with AI-Powered Credit Intelligence
Artha by MAAS Info is a cloud-native, AI-enabled platform that helps banks, NBFCs, and fintechs streamline loan origination, automate credit scoring, and manage risk — fast, secure, and at scale.
What Is Artha?
Artha is a modular, AI-powered credit lifecycle platform built for SME lenders. From onboarding to analytics, Artha enables you to launch, manage, and scale lending operations digitally — with 15x more borrower intelligence and 10x faster decisioning.
The Lending Challenge
Why Traditional SME Lending Fails:
Credit assessment is manual, inconsistent, and time-consuming
Borrower intelligence is sparse, leading to high NPA risk
Lack of digitization in credit scoring and lifecycle tracking
Limited analytics for PD, early warnings, or ROI management
Key Features
Loan Origination Portal
Multi-channel onboarding via web, mobile & API with built-in KYC, document upload, and user-friendly flows.
AI-Based Credit Risk Engine
150+ scoring parameters with borrower, guarantor, product, and collateral logic — customizable by segment.
Real-Time Analytics & Portfolio Monitoring
Track PD, EWS, Basel/IFRS compliance, ROI metrics, and portfolio health with interactive dashboards.
Embedded Scoring Modules
Ideal for BNPL, micro-lending, and embedded finance — API-ready and mobile SDK supported.
Cross-Platform Access
Responsive web portal and Android/iOS support for both lender and borrower dashboards.
Why Choose Artha by MAAS Info?
- 15x more data per borrower
- 10x faster onboarding & credit decisions
- Segmented scoring with AI & Alt-data inputs
- GDPR-ready with AES-256 encryption
- Hosted on AWS, Azure, or on-premise
- Built for banks, NBFCs, and credit-led fintechs
Competitive Differentiator
|
Feature
|
Banks/NBFCs
|
Retail Fintechs
|
SME P2P Fintechs
|
Artha Credit
|
SME Focus
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|
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|---|---|---|---|---|
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Modular Scoring
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|
|
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|
|
Customization
|
|
|
|
|
|
Alt Data Usage
|
|
|
|
|
|
PD & EWS Tools
|
|
|
|
|
|
Portfolio ROI Models
|
|
|
|
|
How It Works
Ready to transform your SME lending operation?
Let’s make credit smarter, faster, and fully digital.
Revolutionize SME Lending with AI-Powered Credit Intelligence
Artha by MAAS Info is a cloud-native, AI-enabled platform that helps banks, NBFCs, and fintechs streamline loan origination, automate credit scoring, and manage risk — fast, secure, and at scale.
What Is Artha?
Artha is a modular, AI-powered credit lifecycle platform built for SME lenders. From onboarding to analytics, Artha enables you to launch, manage, and scale lending operations digitally — with 15x more borrower intelligence and 10x faster decisioning.
The Lending Challenge
Why Traditional SME Lending Fails:
Credit assessment is manual, inconsistent, and time-consuming
Borrower intelligence is sparse, leading to high NPA risk
Lack of digitization in credit scoring and lifecycle tracking
Limited analytics for PD, early warnings, or ROI management
Key Features
Loan Origination Portal
Multi-channel onboarding via web, mobile & API with built-in KYC, document upload, and user-friendly flows.
AI-Based Credit Risk Engine
150+ scoring parameters with borrower, guarantor, product, and collateral logic — customizable by segment.
Real-Time Analytics & Portfolio Monitoring
Track PD, EWS, Basel/IFRS compliance, ROI metrics, and portfolio health with interactive dashboards.
Embedded Scoring Modules
Ideal for BNPL, micro-lending, and embedded finance — API-ready and mobile SDK supported.
Cross-Platform Access
Responsive web portal and Android/iOS support for both lender and borrower dashboards.
Why Choose Artha by MAAS Info?
- 15x more data per borrower
- 10x faster onboarding & credit decisions
- Segmented scoring with AI & Alt-data inputs
- GDPR-ready with AES-256 encryption
- Hosted on AWS, Azure, or on-premise
- Built for banks, NBFCs, and credit-led fintechs
Competitive Differentiator
|
Feature
|
Banks/NBFCs
|
Retail Fintechs
|
SME P2P Fintechs
|
Artha Credit
|
SME Focus
|
|
|
|
|
|---|---|---|---|---|
|
Modular Scoring
|
|
|
|
|
|
Customization
|
|
|
|
|
|
Alt Data Usage
|
|
|
|
|
|
PD & EWS Tools
|
|
|
|
|
|
Portfolio ROI Models
|
|
|
|
|
How It Works
Ready to transform your SME lending operation?
Let’s make credit smarter, faster, and fully digital.