ClariaTech

Get live on Account Aggregator. Get underwriting-ready insights, not raw JSON.

ClariaTech handles the AA integration, certification and data handling for your NBFC, then turns each applicant's bank data into a one-page cash-flow report your credit team can read.

Book a 20-minute call How it works
Sample

Cash-flow report

Sri Lakshmi Traders

Apr–Sep 2026 · 2 of 2 accounts received

AA-verified
Avg monthly credits
₹8.4 L
Avg daily balance
₹1.12 L
EMI obligations
₹62,000/mo
Bounces
1 NACH, Jul

Flags for review

  • 2 cash deposits within 3 days of an EMI date
  • No transfers to betting or gambling merchants
  • No circular transfers detected
Illustrative sample. Names and figures are made up.
  • Built forNBFCs with ₹25–1,000 crore books
  • LendingMSME · vehicle · gold · consumer
  • Your team needsA browser. No developers.
  • DataStored in India, deleted on schedule

01Why ClariaTech

Moving to AA shouldn't be a tech project for a lender

Today With ClariaTech
Hours reading PDF statements for each file A report minutes after the applicant consents
Edited PDFs that are hard to spot Data comes straight from the bank through AA
ReBIT APIs, encryption and certification to build yourself We do the integration and certification work
Raw transaction JSON nobody on the team can read Monthly flows, EMIs, bounces and red flags
GST returns checked by hand GST turnover against bank credits coming soon

02How it works

We do the integration and paperwork. Your team sends links and reads reports.

Getting you live

  1. ConnectWe set up your FIU connection with an Account Aggregator.
  2. CertifyWe run the certification test kit and UAT with you.
  3. AgreeWe support your AA agreement and Central Registry onboarding.
  4. ApproveYou get the vendor due-diligence pack your board needs.

Every applicant after that

  1. SendYour analyst sends a consent link by SMS from the portal.
  2. ConsentThe applicant approves in their AA app in a few taps.
  3. FetchData is fetched, decrypted and checked automatically.
  4. ReadA one-page report is ready for your credit team.

Applicant's bank not on AA yet? Upload their PDF statement and get the same report, marked as PDF-sourced. One workflow for every applicant.

03What your credit team gets

Facts an underwriter uses. The decision stays yours.

We never approve, decline or score. Your credit policy and your team decide.

InsightWhat it showsSource
Inflow and outflowCredits, debits and net flow, per month and per accountBank
BalancesDaily average, month-end balance, low-balance daysBank
IncomeSalary or business receipts, regularity, top payersBank
ObligationsEMIs, loan repayments and recurring debitsBank
BouncesCheque, ECS and NACH returns with chargesBank
Red flagsCircular transfers, cash deposits near EMI dates, betting merchantsBank
GST turnoverDeclared turnover against bank credits, filing regularityGST soon

04Compliance

Ready for your compliance team's questions

Data stays in India
All data and backups are stored in Indian data centres.
Encrypted, then deleted
Bank data is encrypted per applicant and deleted when the consent's retention period ends.
Consent first
Data is only fetched under an active, applicant-approved consent, for the purpose you declared.
DPDP Act
You stay the data fiduciary. We process data only on your instructions and delete it on request.
RBI IT outsourcing
A due-diligence pack covering security controls, audit rights, sub-processors and exit plan.
Audit trail and access
Role-based access for your team and a tamper-evident log of every action. Independent security testing before go-live.

05Design partners

We're working closely with a small number of NBFCs

Design partners get the full service free for six months while we shape the product around their credit team.

Apply to be a design partner

You get

  • AA integration and certification support, free
  • Cash-flow reports for every applicant for 6 months
  • A direct line to the people building it

We ask for

  • Regular feedback from your credit team
  • A reference once you're happy with it

06FAQ

Questions lenders ask us

Do we need a developer or IT team?

No. Your team uses the ClariaTech web portal to send consent links and read reports. If you have an LOS or an IT vendor, they can use our API instead.

Is ClariaTech an Account Aggregator?

No. Account Aggregators are licensed by RBI. ClariaTech is a technology service provider that connects your NBFC, as a Financial Information User, to an Account Aggregator and analyses the data for you.

Do you make credit decisions or give scores?

No. We give your underwriters the facts. Your credit policy and your team make the decision.

Who pays the Account Aggregator's fees?

AA fetch charges are billed by the AA to you directly. Our fees cover integration, the portal and the reports.

How long does it take to go live?

The technical work is quick. Most of the time goes into certification, the AA agreement and your internal vendor approval. We start all three in parallel and share a plan in the first call.

What if an applicant's bank isn't on AA?

Upload their PDF bank statement in the portal. You get the same report, marked as PDF-sourced so your team knows to check it.

07Contact

Talk to us

Book a 20-minute call, or leave your details and we'll get back within one working day.

Book a call

Or email hello@clariatech.com