Every developer model is different.
Columns change, units switch between lakh and crore, formulas break, and the same number appears across multiple workbooks.
THE UNDERWRITING BOTTLENECK
Important credit decisions are still buried in scattered files.
When a developer's sales register, construction budget, valuation report and sanction letter disagree, analysts spend their time finding and reconciling numbers before they can assess the risk.
01 / DATA FRAGMENTATION
“Where did this figure come from?”
A credit reviewer needs the original cell, clause or certified document—not just an AI-generated number with a confidence score.
Profitability can hide liquidity risk.
Booked sales are not collections. An apparently profitable project may still face a cash shortfall before completion.
RiskSarthi connects the documents, the numbers and the decision.
See the workflow →Less spreadsheet reconstruction. More time assessing cost-to-complete, repayment capacity and exceptions.
THE DIFFERENCE
Click the number.
See the evidence.
RiskSarthi is being designed around a verified mapping grid. Every source observation carries a file, location, raw value and review status. Explore an illustrative example below.
Financial mapping grid
Green Heights · 4 example variables| Financial field | Value | Source | Status |
|---|---|---|---|
| Sanctioned loan | ₹70 Cr | PDF · P03 | Verified |
Select any row to inspect its original location.
Source inspector
PDF / PAGE 03Sanction_Letter.pdf›Page 03
ORIGINAL EXTRACTED EVIDENCE
Sanctioned Facility: ₹70,00,00,000
Source observation → mapped variable → analyst verificationDemo data only. No real documents are uploaded here.
ONE CONNECTED UNDERWRITING WORKBENCH
From raw files to a defensible credit review.
Six connected capabilities, designed specifically for development-finance workflows rather than generic property dashboards.
Document-to-model ingestion
Map Excel, PDFs and supporting project records into standardized financial fields. Preserve original values and evidence.
Extract • Map • Review
Two-way source traceability
Navigate from a calculation to its input, original workbook cell or PDF clause—and back again.
Provenance • Versions
Development cash-flow engine
Model project spending, receivables, collections, promoter equity, loan drawdowns, interest and funding gaps.
Monthly • Deterministic
Stress testing that explains
Test sales delays, price reductions, construction overruns and interest-rate shifts, then follow the liquidity impact.
Downside • Sensitivity
Lender policy and exceptions
Surface lender-configured LTC, equity, disbursement and evidence exceptions without issuing autonomous loan decisions.
Policy • Human review
Source-linked credit memo
Prepare structured underwriting summaries with calculated figures, scenario drivers, outstanding questions and review history.
Credit appraisal • Audit trail
INTERACTIVE PRODUCT CONCEPT
Know where the cash breaks. Before the project does.
Project profit alone cannot answer whether construction can be funded through completion. Model the timing of collections, spending, promoter funding and eligible debt drawdowns.
- Identify liquidity pressure early
- Compare base and downside assumptions
- Explain which inputs drive the deficit
Explore a liquidity downside
Three-month hypothetical cash budget · ₹ croreProjected closing cash−₹9 Cr
Period-end funding shortfall₹9 Cr
This is a simplified, illustrative calculator, not a verified underwriting output. Full calculations must use period-by-period eligible cash, contractual draw conditions, interest and repayment schedules.
HOW IS DESIGNED TO WORK
A clear chain from information to judgement.
01 / SOURCE
Upload the deal pack
Developer workbook, sanction letter, cost reports, sales and collection MIS, technical and valuation evidence.
02 / VERIFY
Reconcile every important input
AI suggests; the analyst accepts, edits or flags conflicts. Evidence stays attached to each accepted value.
03 / ANALYSE
Run the financial model
Calculate monthly cash flows, cost-to-complete, debt service, repayment timing, scenarios and policy exceptions.
04 / REVIEW
Explain and document the risk
Create source-linked credit outputs, preserve assumptions and record the authorized review history.
It is an underwriting decision-support layer—not an autonomous credit approver.
Integrate with existing Excel and lender workflows before replacing them.
Discuss your underwriting workflow Integrate with existing Excel and lender workflows before replacing them.
BUILT FOR INDIA'S CREDIT WORKFLOWS
Purpose-built for the people evaluating development risk.
starts with Indian residential development finance: cost-to-complete, promoter funding, construction milestones, pre-sales, escrow-aware collections and structured credit appraisal.
Real-estate NBFC teams
Evaluate residential construction finance proposals and scrutinize project economics, collateral, equity and repayment capacity.
Construction finance • Credit appraisal • Loan monitoringPrivate credit & debt funds
Compare financial models and lender cases with consistent assumptions, scenario testing and traceable investment committee materials.
Real-estate debt • Structured credit • Downside analysisCredit analysts & reviewers
Spend less effort reconstructing numbers and more time investigating anomalies, underwriting risks and exception rationale.
Excel spreading • Model audit • Credit memos QUESTIONS WE EXPECT
Built for scrutiny, not just a slick demo.
We are treating as a verification-first product. These are deliberate product boundaries, not hidden limitations.
Does RiskSarthi approve or reject real-estate loans?
No. The proposed platform is decision support. It highlights verified financial outputs, policy exceptions and downside risks; authorized lender personnel retain credit decision authority.
Will it replace our Excel models?
The initial goal is to ingest existing Excel and PDF files, link the mapped figures to evidence, and produce reviewable calculations and outputs. Replacing a lender's full model or loan origination system is not a prerequisite.
What if the uploaded documents disagree?
is being designed to retain multiple source observations, flag differences, and ask an analyst to accept or document the applicable value. It should never silently guess missing critical financial inputs.
Which real-estate asset classes are in 's scope?
The first scope is Indian sale-led residential development and construction finance. Stabilized office, retail, rental-property cash flows and international CRE standards are outside the initial release.
Is available for institutional deployment today?
is an in-development product direction. The interface and data shown here are conceptual. We are seeking conversations and controlled historical-case pilot partners to validate accuracy, workflow fit and security requirements before production claims.