Automate asset classification, income recognition, provisioning, monitoring, and RBI-compliant IRAC reporting through a centralized intelligent banking platform.
ai-IRAC helps banks and financial institutions automate end-to-end IRAC and NPA management including account monitoring, classification, provisioning, compliance validation, and RBI reporting — all from a single centralized platform.
Every tool needed for automated, compliant NPA and IRAC management.
Rule-based automatic classification of loan accounts into Standard, SMA, Sub-Standard, Doubtful, and Loss categories per RBI IRAC norms.
Continuous real-time monitoring to detect Special Mention Accounts at SMA-0, SMA-1, and SMA-2 stages with early warning alerts.
Automated identification and flagging of non-performing assets based on days past due, interest status, and restructuring history.
Automatic provisioning computation based on asset category, collateral value, and RBI prescribed provisioning rates with trend tracking.
Intelligent income recognition engine applying RBI guidelines for interest income booking, reversal, and NPA account income rules.
Built-in RBI IRAC norm validation ensuring all classifications, provisioning, and reporting are fully aligned with current regulatory guidelines.
Real-time portfolio health dashboard tracking NPA ratios, SMA migration trends, sector exposure, and concentration risk indicators.
Automated generation of all RBI-mandated NPA and IRAC reports including BSR, RBS, and quarterly submission data with validation checks.
Comprehensive, immutable audit logs of every classification change, override, approval, and report submission for regulatory inspections.
Automated detection and alerting of classification overrides, manual interventions, data inconsistencies, and compliance exceptions.
Automated end-to-end IRAC and NPA management workflow.
Real-time visibility into portfolio health, NPA trends, and compliance status.
Proven impact on NPA management, compliance, and portfolio quality.
Reduce NPA identification time from days to minutes with real-time automated monitoring and intelligent classification engines.
Built-in RBI IRAC rule validation eliminates classification errors and ensures all provisioning and reporting meets regulatory standards.
Eliminate manual provisioning calculations. System auto-computes requirements per RBI rates with collateral and coverage tracking.
Real-time dashboards give complete visibility into NPA ratios, SMA migration, aging buckets, and sector-wise risk exposure.
Automated report generation with built-in validation ensures 100% accurate and on-time submission of all NPA regulatory returns.
Reduce manual effort by 80% through end-to-end automation of IRAC classification, provisioning, and compliance workflows.
Complete alignment with RBI IRAC guidelines and banking compliance frameworks.
Fully aligned with RBI Master Circular on IRAC norms including asset classification, provisioning, and income recognition rules.
Rule engine validates every classification and provision against current RBI guidelines with instant exception flagging.
All NPA data, classification history, and provisioning records maintained in audit-ready format for RBI inspections.
Automated detection of overrides, manual changes, and classification exceptions with approval workflows and audit trails.
Dual validation of provisioning adequacy against both RBI minimum norms and internal bank provisioning policies.
Automatic updates for RBI circular changes ensure the platform always reflects the latest IRAC regulatory requirements.
Continuous 24/7 monitoring of all loan accounts with threshold-based alerts and automatic escalation workflows.
Role-based access control with maker-checker for all NPA classifications, provisions, and regulatory report submissions.
Trusted by banks and financial institutions managing NPA compliance across India.
Advanced risk analytics and monitoring for proactive NPA management.
Automate asset classification, provisioning, and RBI compliance with ai-IRAC.