Customers walked away while they waited
Confirming eligibility meant routing files to the credit desk, turning a two-minute conversation into a one- to two-day wait. This was long enough for borrowers to apply elsewhere.
How an NBFC cut response times to <2 minutes and filtered 70% of non-viable files with Gyde
An instant read in the borrower meeting
Four details in, a clear soft-signal status out in seconds
Every file stress-tested before it moves
Rate, tenure, and income shocks surfaced upfront
Humans decide, always
A documented decision packet goes to the underwriter for the final call
About the client
A Mid-Size NBFC Home-Loan Lender
Our customer is a mid-sized NBFC distributing home loans across India through its branch staff and a wide network of direct sales agents (DSAs). Steady growth built a strong frontline, but sales conversations consistently outpaced credit operations. Leadership wanted every borrower to get a fast, honest read at the very first meeting, without ever taking the lending decision out of human hands.
The Challenge
DSAs struggling to provide a fast & fair answer at the first meeting
Hours lost on files that could never close
Out-of-policy applications traveled all the way to underwriting before being declined, burning time meant for viable borrowers.
Inconsistent, hard-to-defend decisions
Outcomes and reasons varied from officer to officer, which was a weak position in a fair-lending review.
No appetite for a “black box” deciding credit
Risk and compliance would not delegate approval to opaque software. Earlier AI lending initiatives stalled before the pilot.
How Gyde solved it
An underwriting soft signal in the chat
Gyde returns an instant read from four simple details
Credit score, income, loan amount, property value, and within seconds, a clear status plus eligible amount, FOIR figures, LTV, and the exact documents to collect.
Gyde sharpens the picture as the conversation continues
Every detail (employment type, existing EMIs, tenure, co-applicant income) refines the read so it's in plain language the borrower can follow.
Gyde stress-tests every file before it moves
Affordability risks, such as higher rates, shorter tenures, and a dip in income, are visible up front, so nobody is surprised later.
Gyde turns the conversation into a decision report
One tap produces the full eligibility maths, every policy rule passed or flagged, stress-test results, and a recommendation, plus a plain-language version for the borrower.
Gyde keeps decisions consistent, explainable, and audit-ready
Decisions run on the lender's own configurable policy and are saved with their reasons. The system structures and explains; people decide.
The outcome
Faster, audit-ready decisions
A 1–2 day wait for an eligibility answer
An honest read in the first meeting
~2 minutes to a first answer
Out-of-policy files burning underwriting hours
Non-viable files filtered at the front line
70% fewer reaching underwriting
Bankable borrowers applying elsewhere while they waited
More viable files moving forward
+18% progressed to next stage
Agent hours lost to files that could never close
Time redirected to viable borrowers
4–6 hours saved per agent, weekly
Behind the scenes
Why risk & compliance said yes this time
The lender's own policy, not a model's opinion
Every read runs on the NBFC's configurable underwriting policy (consistent file to file & region to region).
Every decision saved with its reasons
Risk and compliance can reopen and defend any decision long after the fact and this is a strong position in a fair-lending review.
Approval authority never delegated
The soft signal structures and explains; a human underwriter always makes the final call.
~2 min
To a first answer, down from 1–2 days
70%
Fewer non-viable files reaching underwriting
+18%
More applications progressed to the next stage
4–6 hrs
Saved per agent, every week
9 in 10
Soft signals matched the eventual outcome
Explore more success stories
More enterprises running Gyde in production
Bajaj Finance Limited cuts loan file holds from 18% to 9.7% in just 3 months
Read the full story →Muthoot Fincorp slashes training & onboarding time by 63% and data errors by 78%
Read the full story →Unity Small Finance Bank boosts CRM adoption across 300+ branches and onboards agents 57% faster
Read the full story →Cut your file-to-answer time — respecting your underwriting policy
If you're an NBFC or bank running home loans through DSAs, we can show you exactly how the soft signal works on your policy, with your numbers.