Conversational flow
Leads the customer step by step — no long forms, any device, your brand.
WHAT THE AI LAYER DOES
Four jobs, done quietly.
Reads documents
Salary slips, statements and KYC read and pre-filled — less typing, fewer errors.
Real-time offers
Instant pre-qualification and a personalised amount, rate and tenure on the spot — executed via BRE.
Nudges & resume
Resume-where-you-left-off and timely nudges keep customers moving to disbursal.
Beyond origination: collection-risk scoring that prioritises field routes · early-warning signals on servicing accounts before they turn NPA · portfolio insights and anomaly alerts in reporting — the same layer, every product.
A DIFFERENT FUNNEL
A smarter journey changes the economics.
The traditional funnel loses customers to forms, branches and waiting. The AI journey removes all three.
Traditional funnel
With Graviton AI
Turnaround
Days — branch visits & manual steps
Minutes — fully digital, self-serve
Application
Long manual forms, re-submissions
Guided & auto-filled by the AI journey
Cost & reach
High cost, branch-bound
Lower cost, any device anywhere
Regulation-aligned · secure e-KYC · encrypted end to end · consent & audit trailsEXPLAINABLE VIA BRE
THE BUSINESS CASE
Eight levers that compound with the book.
LESS CREDIT-OPS LOAD
Automated underwriting
Rule- and model-based decisions approve, decline or refer automatically.
HIGHER CONVERSION
AI makes the offer
Instant pre-qualified offers with personalised pricing, top-ups and cross-sell.
COLLECTIONS AT SCALE
In-app repayments
UPI, cards & eNACH with pre-due nudges — ops chases only genuine delinquencies.
LOWER SUPPORT LOAD
Self-service documents
SOA, schedules, NOCs and KFS generated and e-signed in-app — no tickets, no calls.
REDUCED CREDIT LOSSES
A cleaner book
Consistent, data-driven approvals; early-warning signals catch stress pre-NPA.
OPERATING LEVERAGE
Lower cost to serve
Data entry, verification, document generation and routine collections — all automated.
BRANCHLESS GROWTH
Reach without branches
Any-device, 24/7 journeys originate in tier-2/3 towns with zero physical infrastructure.
BUILT-IN ADVANTAGE
Compliance & data flywheel
RBI guidelines, consent, KFS and audit trails standardised — and every journey sharpens risk models.
↗ Fixed team, rising volume — margins expand as the book grows.
FAQ
Graviton AI, in practice.
The intelligence layer of the Graviton suite — it guides customers through conversational journeys, reads and auto-fills documents, decides eligibility and risk in real time, nudges drop-offs back, and scores collection risk — inside LOS, LMS and Gravicollect.
Yes — regulation-aligned journeys with secure e-KYC, end-to-end encryption, explicit consent capture and complete audit trails; data stays within India.
Turnaround moves from days to minutes on unsecured journeys, applications complete instead of dropping off, and cost-to-serve falls — any-device journeys originate in tier-2/3 towns with zero physical infrastructure.
Yes — AI recommendations execute through Graviton BRE, so every decision stores its inputs, rule path and version, and remains replayable for auditors and regulators.
Pick a product. We'll stand up a pilot journey.
One loan product, your brand, a working AI journey — from application to sanction — as the demo.
✓Response within one working day
✓Regulation-aligned: e-KYC, consent, audit trails, data in India
✓Every decision explainable through Graviton BRE
Book a demo
Thirty minutes with a product specialist, on data shaped like your book. We respond within one working day.
Request a demoOr email neeraj@kugelblitz.xyz