India's Credit Intelligence Platform

The 360° ecosystem
for credit risk &
data intelligence.

Arth Data Solutions powers India's lenders with an end-to-end credit data platform — bureau reporting, borrower intelligence, portfolio analytics, and regulatory compliance, all in one place.

Schedule a Demo Explore READi Platform
All 4 CICs Integrated
DPDP Compliant
RBI Compliance Ready
Arth Data Solutions 360 degree credit ecosystem
READI PLATFORM

One platform. The complete credit data lifecycle.

From regulatory submission to borrower intelligence and portfolio analytics — READi is the only platform built end-to-end for India's credit ecosystem.

01

Compliance & Reporting Engine

FLAGSHIP — READI CORE

India's most complete CIC reporting platform — automate bureau submissions, track data quality, and stay ahead of RBI's weekly incremental mandate.

KEY CAPABILITIES
  • Weekly incremental reporting — 9th, 16th, 23rd, month-end + full file
  • UCRF conversion from any source — CBS, LOS, CSV, API, SFTP
  • Real-time DQI scoring and 6-month rolling benchmark dashboard
  • 7-day reject resubmission with root-cause analysis
  • 30-day dispute SLA tracker — avoid the ₹100/day penalty
  • Board-ready DQI reports and regulatory documentation
  • DPDP Act 2023 compliant — fully on-premise deployment
HOW READI WORKS
1
Ingest CBS, LOS, CSV, API — any format, no flip and replace
2
Map & Convert Automated UCRF field mapping across all segments
3
Validate Pre-submission field checks with error reason codes
4
Submit All 4 CICs — single vendor, no coordination gaps
5
Monitor DQI Live dashboard • 6 month trend • board report
6
Resolve Dispute SLA tracking and 7-day reject workflow
Explore Now
02

Borrower Intelligence

READI+

Multi-bureau borrower risk platform that synthesizes data from all four CICs into a single, explainable risk view for smarter credit decisions.

Bureau mismatch detection across CIBIL, Equifax, CRIF, Experian
READI+ Risk Index — borrower risk is one explainable number
DPD history and repayment behaviour analysis
Enquiry pattern analysis — detect liquidity pressure signals
Enquiry match check — flag fraud or data discrepancy
Identity match risk — flag discrepancies for consistency
Structured Borrower Intelligence report for credit teams
Explore Now
03

Growth Intelligence

READI++

Premium portfolio growth intelligence to identify high-value borrowers, cross-sell opportunities, and portfolio expansion signals.

  • READI++ advanced analytics suite
  • High-value unserved borrower identification
  • Credit innovation activation insights
  • Interest income calculations and projections
  • Top-up and cross-sell scoring models
Explore Now
04

Analytics as a Service

READI Analytics

Continuous-level intelligence leveraged from your bureau data — dashboards, early warning signals, and regulatory-grade analytics.

  • Real-time monitoring dashboards
  • Early warning signal engine
  • Custom analytics & insights
  • API-first data access
  • Regulatory & audit ready
Explore Now
01

Compliance & Reporting Engine

FLAGSHIP — READI CORE

India's most complete CIC reporting platform — automate bureau submissions, track data quality, and stay ahead of RBI's weekly incremental mandate.

  • Weekly incremental reporting — 9th, 16th, 23rd, month-end + full file
  • UCRF conversion from any source — CBS, LOS, CSV, API, SFTP
  • Real-time DQI scoring and 6-month rolling benchmark dashboard
  • 7-day reject resubmission with root-cause analysis
  • 30-day dispute SLA tracker — avoid the ₹100/day penalty
  • Board-ready DQI reports and regulatory documentation
  • DPDP Act 2023 compliant — fully on-premise deployment
Explore Now
02

Borrower Intelligence

READI+

Multi-bureau borrower risk platform that synthesizes data from all four CICs into a single, explainable risk view.

  • Bureau mismatch detection across all 4 CICs
  • READI+ Risk Index — one explainable number
  • DPD history and repayment behaviour analysis
  • Enquiry pattern analysis for liquidity pressure signals
Explore Now
03

Growth Intelligence

READI++

Premium portfolio growth intelligence to identify high-value borrowers and cross-sell opportunities.

  • High-value unserved borrower identification
  • Credit innovation activation insights
  • Top-up and cross-sell scoring models
Explore Now
04

Analytics as a Service

READI Analytics

Continuous-level intelligence from your bureau data — dashboards, early warning signals, and regulatory-grade analytics.

  • Real-time monitoring dashboards
  • Early warning signal engine
  • Custom analytics & insights
  • API-first data access
Explore Now
RBI CIR Master Directions 2025

Weekly bureau reporting is mandatory from July 2026. Is your institution ready?

The Reserve Bank of India has mandated weekly incremental credit data reporting for all regulated entities. Non-compliance risks ₹100/day per unresolved dispute. READi is the only platform pre-certified for this framework.

Weekly submissions: 9th, 16th, 23rd & month-end All 4 CICs mandatory 7-day reject resubmission SLA
On-premise, no data transfer 8-week go-live timeline
Jul '26 RBI Deadline
Check Your Readiness
What We Do

Four pillars of
credit data intelligence.

From regulatory compliance to portfolio growth — our four core service pillars cover every dimension of credit data management.

01

Regulatory Technology

End-to-end credit bureau reporting, UCRF conversion, DQI management, and dispute resolution — fully automated for all 4 CICs under RBI CIR 2025.

UCRF Conversion DQI Management All 4 CICs RBI CIR 2025 Dispute Resolution
Learn more
02

Analytics as a Service

Turn bureau data into actionable intelligence. Borrower risk scores, portfolio analytics, and growth signals powered by multi-bureau intelligence.

Borrower Intelligence Portfolio Scoring READi+ Risk Index Growth Signals READi+ Engine
Learn more
03

Data Governance

Comprehensive data quality framework — bureau reconciliation, DPDP compliance, on-premise deployment, and bulk corrections at scale.

Data Quality Index Bureau Reconciliation DPDP Compliance On-Premise Deploy Bulk Corrections
Learn more
04

DQI & Consulting

Strategic advisory for credit data operations — board reporting, regulatory guidance, dispute strategy, and CIC liaison managed end-to-end.

Board Reporting Regulatory Advisory Dispute Strategy CIC Liaison Process Design
Learn more
01

Regulatory Technology

End-to-end credit bureau reporting, UCRF conversion, DQI management, and dispute resolution — fully automated for all 4 CICs under RBI CIR 2025.

UCRF Conversion DQI Management All 4 CICs RBI CIR 2025 Dispute Resolution
Learn more
02

Analytics as a Service

Turn bureau data into actionable intelligence. Borrower risk scores, portfolio analytics, and growth signals powered by multi-bureau intelligence.

Borrower Intelligence Portfolio Scoring READi+ Risk Index Growth Signals READi+ Engine
Learn more
03

Data Governance

Comprehensive data quality framework — bureau reconciliation, DPDP compliance, on-premise deployment, and bulk corrections at scale.

Data Quality Index Bureau Reconciliation DPDP Compliance On-Premise Deploy Bulk Corrections
Learn more
04

DQI & Consulting

Strategic advisory for credit data operations — board reporting, regulatory guidance, dispute strategy, and CIC liaison managed end-to-end.

Board Reporting Regulatory Advisory Dispute Strategy CIC Liaison Process Design
Learn more
Why Arth Data Solutions

The only partner that combines
technology and domain depth.

We don't sell generic software. We've built READi from the ground up for India's credit reporting mandate — and we bring a team of domain experts who've spent careers inside CICs and regulated lenders.

01

Domain-Only Focus

Credit bureau reporting, DQI, and CIC compliance is the only thing we do — no distraction, maximum depth.

02

Technology + Consulting

READi handles the technology. Our domain team handles the strategy. Together, you get both sides of the equation.

03

All 4 CICs. One Vendor.

CIBIL, Equifax, CRIF Highmark, Experian — single integration, single SLA, zero coordination gaps between bureaus.

04

All Entity Types Covered

Banks, NBFCs, UCBs, RRBs, ARCs, AIFIs, MFIs, SFBs — every regulated entity category supported out of the box.

05

On-Premise Security

Your data never leaves your network. Full on-premise deployment, no cloud dependency, DPDP Act 2023 compliant.

06

July 2026 Pre-Certified

READi is already built for RBI's weekly incremental submission framework — go live in 8 weeks, not 8 months.

01

Domain-Only Focus

Credit bureau reporting, DQI, and CIC compliance is the only thing we do — no distraction, maximum depth.

02

Technology + Consulting

READi handles the technology. Our domain team handles the strategy.

03

All 4 CICs. One Vendor.

CIBIL, Equifax, CRIF Highmark, Experian — single integration, zero coordination gaps.

04

All Entity Types Covered

Banks, NBFCs, UCBs, RRBs, ARCs, AIFIs, MFIs, SFBs — every regulated entity supported.

05

On-Premise Security

Your data never leaves your network. DPDP Act 2023 compliant.

06

July 2026 Pre-Certified

READi is already built for RBI's weekly incremental framework — go live in 8 weeks.

WHO WE SERVE

Built for every
credit institution in India.

From large commercial banks to MFI lenders — READi is built to handle every entity type mandated by RBI.

Arth Data Solutions

Commercial

Banks

Asset

Reconstruction

Companies

Digital Lending

Companies

Small Finance

Banks

All India Financial

Institutions

MFI Lenders

& JLG

Urban Co-operative

Banks

Rural Co-op

Banks & RRBs

NBFCs

Commercial Banks
NBFCs
Asset Reconstruction
Digital Lending
Small Finance Banks
AIFIs
MFI & JLG Lenders
Urban Co-op Banks
Rural Co-op & RRBs
FAQ

Frequently Asked Questions

We help financial institutions in India with regulatory data reporting, analytics, and consulting. Our core focus is enabling accurate, compliant submission of financial data to Credit Information Companies (CICs), NeSL, and regulatory bodies in line with RBI guidelines.

Our solutions are built for banks, NBFCs, cooperative banks, microfinance institutions, fintech lenders, and other regulated entities that are required to report credit and borrower data to CICs and regulators.

It's a data conversion tool that transforms your raw financial data into the exact formats required by credit information agencies and regulatory bodies. By automating manual steps, it reduces errors, saves time, and ensures every submission meets the prescribed reporting standards.

We support reporting to India's RBI-licensed CICs — such as TransUnion CIBIL, Equifax, Experian, and CRIF High Mark — along with submissions to NeSL and other applicable regulatory bodies.

Compliance is built into our process. We continuously track regulatory changes and align our reporting formats and validation checks with the latest RBI requirements, so your submissions stay accurate and audit-ready.

Data security and confidentiality are central to how we work. We apply strict controls to protect sensitive financial information at every stage of the conversion and reporting process.

Simply reach out via our Contact page or email info@arthdatasolutions.in. We'll review your reporting requirements and recommend the right mix of reporting, analytics, and consulting services for your institution.

Get Started

Ready to build your credit
intelligence advantage?

Join India's leading lenders who've chosen READi for RBI compliance, borrower intelligence, and portfolio growth.

Schedule a Demo Talk to an Expert
info@arthdatasolutions.in
sales@arthdatasolutions.in
www.arthdatasolutions.in