Why manual drawing power computation is a hidden credit risk
Small, repeated errors in DP computation add up to real exposure.
Your single point of contact for credit monitoring.
Credit SPOC combines purpose-built technology with experienced credit professionals. We compute drawing power, check your security against the registries and manage charge filings, so your credit team finds problems before they become stressed assets.
31+years of combined experience in credit monitoring
32+banks and financial institutions served
₹100 trillionloan value covered by our monitoring
Where credit monitoring breaks down
Most monitoring failures aren't caused by bad judgement. They come from manual work, stale data and gaps nobody was assigned to check.
Drawing power built on stale numbers
DP is computed by hand from stock statements that arrive late, with margins and ageing applied inconsistently across accounts.
Registry gaps found too late
Missing, mismatched or unsatisfied charges on ROC and CERSAI often surface only at renewal, audit or recovery.
Charge filings that slip
Creation, modification and satisfaction filings depend on reminders and follow-ups spread across email threads.
Teams stretched across too many accounts
Monitoring staff spend their time collecting and computing, leaving little time to analyse what the numbers mean.
What we do
Specialist solutions for lenders, and practical process improvement for businesses.
For banks and financial institutions
End-to-end credit monitoring support for public sector banks, private banks, NBFCs, small finance, cooperative and Islamic banks.
- Drawing Power AutomationStandardised, auditable DP computation with variance and exception flags.
- ROC/CERSAI Search with Discrepancy ReportYour security records reconciled against the registries, with clear next actions.
- ROC Charge Filing Workflow AutomationEvery creation, modification and satisfaction tracked against statutory timelines.
Coming next: early warning signals, covenant tracking and more. See the roadmap
For businesses
For NBFCs, fintechs, manufacturers, logistics and distribution companies that want faster, leaner operations.
- Business Process Re-engineeringMap, redesign and measure the processes that slow you down.
- AI Implementation for SMEs and Mid-CorporatesDocument extraction, reconciliations, payables, receivables and MIS, automated.
Technology plus experienced bankers
Our workflow system was designed in-house by credit professionals, not bought off the shelf. Every output is reviewed by people who have spent decades in credit administration and monitoring.
Onboard
We map your sanction terms, security structure and reporting formats, and set up secure data exchange.
Automate
The Credit SPOC platform computes, checks and tracks, applying your bank's rules consistently to every account.
Review
Senior credit professionals review exceptions and validate outputs before anything reaches you.
Report and alert
You receive clear reports, exception lists and alerts your credit team can act on the same day.
Trusted by lenders across India
We work with public sector, private and foreign banks and NBFCs, and are extending our services to lenders in the GCC, Africa and South Asia.
A large public sector bank in IndiaA leading private sector bankA foreign bank's Indian operationsA mid-sized NBFCA housing finance company
Featured case study
Drawing power automation for a large public sector bank
Monthly DP computation moved from branch spreadsheets to a single, rules-based workflow with an audit trail for every account.
Read the case studyCheck a drawing power figure in two minutes
Enter stock, receivables, creditors and margins to see the computed drawing power and headroom against the outstanding.
Also available
- ROI calculator: estimate the hours and cost your team could save.
- Credit monitoring maturity assessment: 10 questions, instant result.
Insights
Practical thinking on credit monitoring, registries and automation.
What a registry discrepancy report should tell a credit team
Five findings every report should surface, and what to do about each.
A practical guide to automating finance operations in mid-sized companies
Where to start, what to leave alone, and how to measure results.