‘Sayana-Ravi’ is a Credit Scoring solution for Banks and MFI’s serving the Micro-Value client segment in rural, semi-urban and urban segments.

It is categorized in the Micro-Finance sector for uniform, objective, tailored credit scoring, third party verification and risk management services. In future, ‘Sayana Ravi’ services would be extended to Credit Bureau and Financial Risk Management services.  

Our dynamic scoring model is designed to avoid risk profiles.

The scorecard evaluates each applicant assigning scores based on the socio-demographic, financial, job characteristics (Employees), Agricultural variables (For Agro business), and credit behaviour of the applicant.

Benefits of ‘Sayana Ravi’: 

Maximize Field / Loan Officer’s capabilities

• Objectivity in assessing Repayment Behavior, by negating the ‘subjective guesswork’ and Quick, simple steps to assess Massive population
• Identifying the riskier population

Enables differentiated treatment defined strategically to solve risk challenges

• Mapping Scoring strategies to Institutional Policies and developing different strategies for New OR Renewal loans

Bank/ MFI profitability would improve:

• Engaging with the good customer and weeding out defaulters
• Business with risky customers through clear understanding of portfolio risks

Manage Risk

• Manage risk by knowing key parameters of client effecting repayment behavior relative to average population behavior
• Improves the micro-credit process by predetermining client’s behavior.

Industry Benefits

• Regular updates to Investors funding MFIs of risk and effectiveness of their investments
• Highlighting well managed MFI through credit rating that creates performance benchmarks
• Growth of the entire industry as business decisions will be more scientific and data specific
• The volumes in this segment will bring in financial institutions to provide micro financial services like micro insurance, remittances etc.