In an increasingly complex and regulated business environment, robust due diligence is critical for making informed decisions, managing risks, and ensuring compliance. We offer comprehensive Due Diligence Services that help financial institutions, investors, and corporates verify, assess, and validate key aspects of their transactions, clients, and counterparties.
Our due diligence solutions go beyond data collection — we deliver actionable insights that enable smarter decisions. Whether you’re evaluating credit risk, acquiring a portfolio, or investigating financial irregularities, our multi-disciplinary team provides reliable, timely, and confidential support.
RCM (Risk Control Matrix) and SOP (Standard Operating ProceduCredit Assessments (PD / LIP)res) Drafting
Accurate credit assessment is the foundation of sound lending. We assist banks, NBFCs, and financial institutions in evaluating the Probability of Default (PD) and Loss in Probability (LIP) to quantify credit risk effectively.
Our services include:
- Financial analysis and cash flow assessment
- Industry benchmarking and peer comparison
- Risk scoring and PD/LIP estimation
- Borrower background checks and intent evaluation
We combine data analytics with field intelligence to ensure a 360-degree view of the borrower’s creditworthiness — helping lenders make prudent, risk-adjusted lending decisions.
Portfolio Acquisition by Financial Institutions
Acquiring loan or asset portfolios requires in-depth scrutiny to uncover any hidden risks, anomalies, or value gaps. Our team provides end-to-end due diligence support for portfolio acquisitions, including performing forensic reviews of loan documentation, borrower performance, and regulatory compliance.
Key aspects covered:
- Asset quality and credit grading validation
- Documentation completeness and legal enforceability
- Assessment of recoverability and repayment track record
- Risk categorization and pricing support
Our insights help investors and financial institutions negotiate better terms and ensure smooth transitions during portfolio transfers or securitization deals.
Pre and Post Loan Disbursement Reviews
Lenders face significant exposure both before and after loan disbursement. Our due diligence reviews ensure that both pre-disbursement eligibility checks and post-disbursement usage verifications are thoroughly conducted to mitigate fraud and default risks.
Pre-Disbursement Review:
- Verification of borrower credentials, financials, and collateral
- Validation of approvals, sanction conditions, and documentation
Post-Disbursement Review:
- End-use verification of funds
- Site visits, invoice validation, and progress checks (for project loans)
- Monitoring early warning signals and repayment capacity
These reviews reduce credit risk and reinforce compliance with lending policies and regulatory guidelines.
AML / KYC Review
In an era of heightened regulatory scrutiny, ensuring adherence to Anti-Money Laundering (AML) and Know Your Customer (KYC) norms is critical. We provide comprehensive AML/KYC due diligence services to banks, fintechs, NBFCs, and investment firms.
Our services include:
- Customer identification and verification
- Beneficial ownership tracing
- Screening against sanctions lists (FATF, UN, OFAC, etc.)
- Transaction pattern analysis for suspicious activity
- Periodic KYC refresh and documentation review
We help you stay compliant with RBI, SEBI, and global AML norms, thereby reducing reputational and regulatory risks.
RCU / FI Services (Risk Containment Unit / Field Investigation)
RCU and Field Investigation (FI) services are essential for early fraud detection and validation of critical data. Our field force and investigation experts conduct on-ground verification, interviews, and background checks to assess the authenticity of information provided by customers and applicants.
Services include:
- Address and identity verification
- Employment and income checks
- Business existence and activity confirmation
- Guarantor and reference validation
- Physical asset/collateral inspection
These services play a pivotal role in risk containment, especially for unsecured loans, high-risk profiles, and SME lending.
Investigation & Forensic Review
Suspected fraud, misconduct, or financial irregularities demand swift and discrete investigation. Our investigation services combine forensic accounting, digital data analysis, and field intelligence to uncover facts and preserve evidence.
Our investigative services cover:
- Employee fraud and misappropriation
- Bribery, corruption, and kickback schemes
- Fake documentation and identity fraud
- Ghost customers, shell vendors, and forged invoices
- Data trail and transaction tracing
We support internal investigations, legal proceedings, and regulatory inquiries with credible findings, forensic reports, and actionable recommendations.
