Platform Suite

Your unified launchpad for 34 fully functional apps — AI Credit, Trade Finance, Payments, Banking, Investments, Insurance, Operations & Analytics — all in one platform.

Multi-model AI hub with o3 Pro, Claude Opus 5, Gemini Ultra. Deep reasoning, computer-use, video KYC, perpetual memory — the full 2026 AI stack.

AI-powered LOS with automated document collection, credit appraisal, CIBIL integration, and digital sanction letter generation.

Full lifecycle loan management — EMI schedules, repayment tracking, NPA monitoring, foreclosure, and prepayment processing.

Up to ₹50Cr MSME loans with CGTMSE guarantee, GST verification, and AI underwriting. RBI MSME priority sector lending compliant.

Personal loans up to ₹25L with instant AI eligibility check, no collateral, digital KYC, and same-day disbursal.

Deep-reasoning AI generates full credit memo, financial ratio analysis, DSCR, NPA probability, and structured approval conditions in minutes.

AI credit scoring integrating financials, GST filings, MCA data, and CIBIL to generate a comprehensive credit rating with lender recommendations.

Structured trade finance with PID, SID, BTST & Forfaiting. 4-step AI workflow: PO+Invoice → Lenders → Agreement → Approval.

RBI TReDS 2.0 compliant bill discounting at optimal rates. Autonomous bidding agent monitors exchange 24/7 and auto-bids receivables.

Full RXIL TReDS 2.0 workflow: GSTN verify → Buyer acceptance → FU listing → AI bidding → Leg 1 payment → Leg 2 auto-debit.

Fully automated invoice discounting with AI-powered risk scoring, eligibility assessment, and instant financing decision.

Full UPI 2.0 stack: collect requests, mandates, NACH auto-debit, QR code, BharatQR — Zero MDR, instant settlement.

RBI-regulated PPI wallet with full KYC, up to ₹2L balance, linked bank accounts, cashback rewards, and UPI integration.

Central payment depository with full transaction ledger, auto-reconciliation, and multi-currency support.

Full neo-banking stack with API banking, virtual accounts, instant KYC, GST auto-filing, NACH mandates, and overdraft.

RBI-regulated BNPL with AI credit assessment, 30/90 day instalment options, and zero-interest promotional periods.

2000+ mutual funds, direct plans, SIP from ₹100, AMFI-registered platform with AI-powered portfolio recommendations.

RBI-certified P2P lending NBFC platform with AI credit scoring, borrower matching, 10–18% returns for lenders.

SEBI-regulated forex trading, currency derivatives, LRS outward remittance up to $250K, AI-powered hedging strategies.

IRDAI-regulated insurance: Term life, ULIP, health floater, motor, travel, and government schemes (PMJJBY/PMSBY).

AI-native CRM with perpetual transaction memory, AI lead scoring 0–100, Kanban pipeline, and churn prediction 90 days ahead.

Generate, send, and track GST-compliant invoices with automatic E-Way Bill, payment reminders, and reconciliation.

End-to-end purchase order management with vendor matching, multi-level approvals, and automatic ledger posting.

Full double-entry accounting ledger with AI-powered reconciliation, P&L statements, balance sheet, and GST reporting.

Aadhaar-based e-signing for all financial deeds, agreements, and contracts. RBI-compliant digital execution with audit trail.

Intelligent document management with AI-powered categorization, automatic quality scoring, compliance tracking, and version control.

Omni-channel communication platform with WhatsApp Business, SMS, Email, and in-app notifications for customer engagement.

Fetch GSTR-3B filing history, annual turnover trends, compliance score, tax liability, and AI insights for any GSTIN.

Fetch director DINs, authorized capital, charges, annual filing compliance, and corporate governance red flags from MCA21.

10,000+ market signals: NPA prediction, Basel IV RWA, stress testing, early warning indicators, sector concentration maps.

Intelligent matching engine mapping borrower profiles to best-fit lender products using eligibility criteria, risk tolerance, and rate optimisation.

Advanced BI with AI narrative insights, predictive analytics, portfolio health, cohort analysis, and automated reporting.

Real-time loan pipeline analytics with stage-by-stage tracking, bottleneck detection, TAT analysis, and AI improvement suggestions.

One Platform. 34 Apps. Every Finance Need.

From credit origination to TReDS discounting, neo-banking to AI underwriting — Dulcet Holding's 2026 platform handles the complete financial lifecycle with autonomous AI.