Four jobs your team does by hand. Now verified by AI.
From the first site photo to the last EMI, StageBridge runs one audited spine across origination and servicing. AI does the reading; your officers make every call; the audit log writes itself.
Verify the build before
the tranche moves.
Borrowers capture each construction stage in a guided flow. A vision model reads foundation, plinth and slab against your SOP — and the next tranche only unlocks when progress is proven on-site.
- Stage-aware vision modelReads RCC, brickwork and slab maturity — not just 'a building'. Every photo scored against the declared stage.
- GPS + EXIF at captureCoordinates and timestamps locked at the moment of capture, checked against the sanctioned plot.
- A score the officer can act onOne confidence number per tranche with the evidence behind it — approve, hold or send back in a click.
KYC and income checks
that run themselves.
PAN, Aadhaar, bank statements and bureau pulls fire the moment an application lands. Your team sees one clean ledger of what passed, what's pending and what needs a human.
- Source-of-truth integrationsNSDL, UIDAI, account-aggregator bank data and TransUnion CIBIL — pulled, normalised and timestamped.
- Income from real statementsBank-statement analysis derives true inflows and obligations, not a self-declared salary slip.
- Exceptions surfaced, not buriedA flagged bureau score or a stale document is escalated to an officer, never silently approved.
| Check | Source | Status |
|---|---|---|
PAN Verification 11:20 AM | NSDL | Approved |
Aadhaar Verification 11:18 AM | UIDAI | Approved |
Income Verification — | Bank Statement | In Process |
Bank Statement Analysis 11:25 AM | HDFC Bank | Approved |
CIBIL Score 11:22 AM | TransUnion CIBIL | Approved |
Employment Verification — | HRMS | Pending |
Property Verification — | Field / StageBridge CV | Pending |
Catch staged photos
and spoofed sites.
Every image runs a forensic pass before it reaches an underwriter. Spoofed locations, recycled photos and edited metadata are flagged with the evidence attached — so review time goes only to the cases that need it.
- GPS spoof detectionDevice location reconciled against the sanctioned plot; physically impossible jumps get flagged.
- Perceptual photo hashingCatches duplicate or reused images across applications and across prior tranches of the same loan.
- Scene & EXIF consistencyEdited metadata and discontinuous construction scenes are caught automatically and ranked by severity.
- CriticalGPS spoof detectedAPP-78531Device location 14.2 km from the sanctioned plot at capture.
- CriticalDuplicate photo hashIMG-4471Perceptual hash matches stage 2 of APP-77120.
- ReviewEXIF timestamp mismatchIMG-4468Metadata predates the capture window by 6 days.
- ReviewScene discontinuityIMG-4466Wall texture inconsistent with the prior verified tranche.
See NPA risk forming,
bucket by bucket.
Once disbursed, the same data spine tracks repayment. DPD buckets, early-warning signals and recovery priority roll up to one view — so collections act before a loan slips into NPA.
- Live DPD bucketingCurrent through 90+ DPD updated daily, with gross NPA trending down quarter on quarter.
- Early-warning signalsBounce patterns and partial payments flag accounts before they roll into the next bucket.
- Recovery prioritisationExposure-weighted queues point collectors at the rupees most at risk, first.
- Current₹242.0 Cr
- 1–30 DPD₹34.0 Cr
- 31–60 DPD₹12.8 Cr
- 61–90 DPD₹6.4 Cr
- 90+ DPD (NPA)₹4.1 Cr
See your own draws run through it.
Book a 30-minute walkthrough. We'll run your real construction-stage photos and a live application through verification, fraud forensics and collections — and show you the audit trail on your own data.