01 — THE SALES AGENT · IN THE FIELD
From a photograph to a filled application. In minutes.
The Sales Agent works where the loan starts — on the field officer’s phone, with the customer, in the customer’s language. Demo file, live layout.EVERY FILLED FIELD CARRIES THE DOCUMENT IT CAME FROM
Aadhaar, PAN, voter ID, bank statements, salary slips, ITR, property papers, RC — photographed once at the doorstep, read once. No scanner, no branch visit to key it in.
Every field lands in the Graviton LOS application with its source document attached, so credit sees where a number came from and nothing is re-keyed downstream.
Voice and text. The officer and the customer see the same conversation, and the agent asks for what is missing instead of leaving a blank.हिन्दीગુજરાતીमराठीதமிழ்తెలుగుಕನ್ನಡবাংলাEnglish
The application is complete before the officer leaves. What is still missing is listed on the spot, not discovered a week later by the branch.
02 — THE CREDIT AGENT · ON THE DESK
The whole file, read. The facts, established by arithmetic.
Every document, ledger line and bureau pull on the file, read end to end — then the memo, each claim with the proof behind it. Switch views to see what the credit head gets. Demo file.The Account Aggregator consent expired, leading to manual uploads. The applicant’s statement is an enquiry covering a single day (28-10-2025), reflecting an opening deposit of ₹3,000 via UPI and no ongoing business or payroll credits. A second statement belongs to a third party, leaving the applicant’s operational cash flow unevidenced.
Bank statement images and granular ledger extraction directly confirm the account-opening nature and the lack of transaction history.
Every deviation names the rule, the pass that found it and the approver it needs. A rule whose input is missing is marked blocked, never quietly passed; unconfirmed items are shown, never carried into the memo.
The declared monthly income of ₹15,000 is unsupported: the statement spans a single day with one ₹3,000 UPI credit and no recurring salary, business or verified institutional income.
Income, LTV, FOIR and the gaps between documents are computed from what the file contains. A finding names the two sources and which one wins.
Each line in the memo carries the document, the field and the value it came from, so the reviewer checks the claim, not the agent.
What the run cost is printed on the report — per file, in plain figures — so the desk knows exactly what a review is worth.
THE DESK VIEW
It also keeps the desk honest.
Every file the agent has read sits in one list with its memo and its risk review, complete and offline. Officers are scored on outcome against what their own book predicted — a desk view, not a case view.
Each file below was read and written up beforehand. Opening one loads a complete, self-contained record — the memo, the reasoning and every document behind it.
03 — WHERE THEY SIT
Two agents, one file, one ledger.
Neither agent is a separate tab. The Sales Agent writes the LOS application; the Credit Agent reads it back with the ledger and the bureau; decisions execute through BRE and land in LMS and Gravisights.The Sales Agent fills; the officer confirms. The Credit Agent reads; the credit head signs. Every run says what it did not check.
Each capture is consented; each claim, field and run is logged with its source, replayable for an auditor.
Anything that becomes a decision executes through Graviton BRE, so the rule path and version are stored alongside the memo.
Documents, ledgers and memos are processed and stored in India, cloud or on-premise, on the same platform as the rest of Graviton.
FAQ
Graviton AI, in practice.
Two agents in production today. Ask us which document types and languages your book needs first.
The Sales Agent works in the field with the officer: it captures the customer's documents, parses them and fills the entire loan application in Graviton LOS in minutes, in the customer's language. The Credit Agent works on the desk: it reads the finished file end to end — documents, ledger lines, bureau pulls — establishes the facts by arithmetic, flags deviations against your policy and writes the memo with the proof behind each claim.
Aadhaar, PAN, voter ID, bank statements, salary slips, ITR, property papers and vehicle RCs, photographed on the officer's phone. Every value it fills carries the document and field it came from, so credit can check the source without asking the branch.
Hindi, Gujarati, Marathi, Tamil, Telugu, Kannada, Bengali and English, by voice and text. The officer and the customer see the same conversation, and the agent asks for what is missing rather than leaving a blank. Tell us which languages your branches need first.
No. It establishes the facts, computes what the file supports, names each deviation with the rule and the approver it needs, and writes the memo — and it says plainly what it could not check. The credit head decides, and any decision executes through Graviton BRE with its rule path and version stored.
The cost of every run is printed on the report, per file. Documents, ledgers and memos are processed and stored in India, on the same platform as the rest of Graviton, with consent captured and a complete audit trail — cloud or on-premise.
Pick an agent. We'll run it on your files.
Ten of your own files through the Credit Agent, or one product through the Sales Agent in the field — the memo and the filled applications are the demo.
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