The problem
Your security is only as good as its registration. Gaps between your records and the registries are common, and they usually surface at the worst possible time.
Charges not registered or not updated
Charges created, modified or enhanced but not reflected correctly on the registries.
Satisfied charges still showing
Old charges that were never satisfied on record, confusing your security position.
Third-party charges you don't know about
Other lenders' charges on the same assets that affect your priority.
Asset details that don't match
Mismatched property, asset or borrower identifiers between your documents and the registry.
How it works
Scope
We agree the accounts, entities and assets to be searched, and the security records to compare against.
Search
We run searches on ROC (MCA) and CERSAI for each borrower and asset.
Reconcile
Registry results are matched against your sanction and security documents.
Report
You receive a structured discrepancy report, with recommended actions for each finding.
What you receive
- Search results for each borrower and asset
- Discrepancy report: missing, mismatched, unsatisfied and third-party charges
- Risk rating for each finding
- Recommended next actions, ready for your legal or credit administration team
- Portfolio summary for senior management
Technology plus expert review
Our platform applies your rules consistently to every account. Senior credit professionals then review exceptions and validate outputs, so you get the speed of automation with the judgement of experienced bankers.
Who it's for
- Credit administration and legal teams
- Banks and NBFCs preparing for audits or inspections
- Lenders reviewing acquired or inherited portfolios
Outside India?
We're extending registry search and discrepancy reporting to company and collateral registries in the GCC, Africa and South Asia. Tell us your jurisdiction and we'll let you know when we can support it.
Frequently asked questions
Do you cover only companies?
We search ROC records for companies and LLPs, and CERSAI records for security interests, including those created by individuals and firms where relevant.
Can you search the whole portfolio at once?
Yes. Portfolio-wide searches are where the report adds the most value, but we also handle individual or periodic searches.
What happens after the report?
Our ROC charge filing workflow can take the findings forward, so corrections are filed and tracked to closure.
Do you cover registries outside India?
Today we cover India. We're extending the service to company and collateral registries in the GCC, Africa and South Asia. Tell us your jurisdiction below.