UC-270
Gold-Loan Risk, LTV & Auction Optimiser
Scores loan delinquency, sets LTV headroom against the live gold band and times auctions of defaulted collateral, RBI-aligned.
TBDBuild Duration
TBDIndicative ROI
The Challenge
A Rs 555 cr gold-loan book across 301 branches runs on a ~1.7% net margin, where loss avoidance is the highest-leverage profit move. RBI tightened LTV and auction norms in 2024-25.
How It Works
- Ingests loan records, collateral valuations and the live gold-price band.
- ML scores risk; an optimiser sets LTV headroom and auction timing net of costs.
- Feeds early warnings, a prioritised collections list and reason codes.
What It Removes
- Late delinquency detection
- Fixed one-size LTV rules
- Mistimed collateral auctions
Input Data RequirementsCIINFOS loan records, collateral valuations, borrower and repayment history, live gold-price band
Output FormatPer-loan risk and delinquency scores, LTV headroom, auction-timing recommendations, prioritised collections targets
“Lower NPAs, higher auction recovery and faster turnaround - on the book where every loss is the whole margin.”