AI & machine learning · loan origination for Indian HFCs

Approve loans in hours,not weeks — at a fraction of the cost.

StageBridge automates KYC, credit and on-site construction checks with AI and machine learning — run from one console, with no engineers and no manual work. Approvals that took a week close in a day, run by software instead of field and engineering teams. Every final call is still made by a human, and logged for audit.

NHB-aligned auditDPDP 2023Row-level data isolationHuman-approved disbursement
Verified residential property
Identity verified
PAN · Aadhaar · CIBIL
bureau 781 · clean
On-site
Mumbai · 19.07°N
GPS + EXIF matched
Approved & disbursed
₹4,50,000
3.2h end-to-end
Built forHousing Finance CosAffordable HousingNBFC-HFCsCo-operative BanksDeveloper Finance
0%
Faster approvals
AI does the underwriting reading
0%
Lower cost per loan
no field or engineering ops
0h
Avg approval time
vs 7–10 days manual
0%
Automated workflow
human approves the final call

Target outcomes — modelled against a typical manual workflow; not yet customer-verified.

How it works

The week-long approval,
automated into a day.

Machine learning reads every KYC document, bank statement and construction-stage photo, scores the risk, and hands your officer a decision-ready file — no engineers, no manual updates, all from one console. They approve once; the audit log writes itself.

01
Verification

KYC — PAN, Aadhaar, CIBIL, bank — plus GPS-stamped construction-stage photos read by a vision model.

02
Assessment

Credit score, bureau pull and alternative-data signals folded into one underwriter-ready view.

03
Sanction

Policy checks run automatically; your credit officer approves with the full trail in front of them.

04
Disbursement

Tranche released against verified progress — penny-drop, e-sign, and an immutable audit row.

Operator console

One queue. One key per decision.

Every pending application stacks by SLA risk. Photos, KYC, AI verdict and fraud flags are visible without a click. Approve, request info, or reject with the same keystroke every officer already knows.

  • AI vision verdict
    A vision model reads each stage; low confidence routes to a human. Two-vendor ensemble — coming soon.
  • GPS that can't be spoofed
    Device coordinates checked against the property at capture time.
  • Append-only audit chain
    Hash-linked rows; one-click CSV export for NHB review.
Verification queue
sample · 8 pending
APP-78541
Ramesh Kumar
₹18,50,000
Home Loan
98%
APP-78537
Arjun Mehta
₹18,75,000
Home Loan
71%
APP-78531
Karthik Iyer
₹41,00,000
Home Loan
44%
APP-78533
Rohit Jain
₹30,00,000
Home Loan
88%
Built for compliance

AI assists. Humans decide. Auditors approve.

We never auto-approve a disbursement. Every action lands in an append-only audit table that survives an NHB review without exports.

Guided stage capture
Borrower follows each HFC's SOP. Can't skip a stage or reuse an old photo.
GPS + EXIF cross-check
Two independent signals confirm the photo was taken on-site, now.
RLS data isolation
Each lender's rows are isolated by row-level security in a shared database. Postgres enforces, not the app.
RERA cross-check — coming soon
Filings will be auto-compared with declared progress; mismatches flagged to the officer.
Pricing

Per-verification, not per-seat.

Pay only for verifications that move money. The console is free for your operators — we earn when you disburse.

Pilot
₹0
for 50 verifications
  • Two operators
  • AI verdict + manual decision
  • CSV audit export
Production
recommended
₹399
per verification
  • Unlimited operators
  • AI vision verdict
  • Webhooks + integrations
  • RERA cross-check (soon)
Enterprise
Talk
custom rails
  • On-prem option
  • SOC2 / ISO mapping
  • RERA providers (roadmap)
  • Priority response

See it on your own draws.

Book a 30-minute walkthrough. We'll run your real construction-stage photos through the flow and show you the AI verdict, the audit trail, and the time saved — on your data.