Mumbai, October 08th, 2025: Perfios, a leading B2B SaaS TechFin in India, today announced a strategic partnership with National E-Governance Services Ltd. (NeSL), India’s first Information Utility regulated by the Insolvency and Bankruptcy Board of India (IBBI). Through this collaboration, Perfios will leverage its advanced capabilities in credit and risk analytics, AI-driven process automation, digitization and verification, and risk intelligence and fraud prevention to strengthen early warning detection and risk management across India’s lending ecosystem.
The MoU for this collaboration was signed today at the Global Fintech Festival (GFF) in Mumbai, in the presence of Sabyasachi Goswami, CEO, Perfios, and Debajyoti Ray Chaudhuri, MD & CEO, NeSL, along with senior leaders from both organizations.
Early identification of financial stress and delinquencies is amongst the most prominent challenges in the lending eco-system. Delays in detecting early signs of borrower default narrows the window for corrective action, resulting in higher credit losses. NeSL, through its trusted repository of verified financial information and its early warning alert framework, has been instrumental in improving transparency and accountability in debt reporting. The collaboration with Perfios brings an additional layer of data intelligence, automation, and risk analytics.
Together, Perfios and NeSL will enable lenders to perform deeper due diligence at the origination stage, receive early warnings of emerging stress in borrower accounts, and take timely interventions to prevent defaults. This collaboration strengthens portfolio monitoring, reduces delinquencies, lowers credit risk, and supports profitable, responsible scaling of lending.
The partnership will focus on five priority areas: enhancing data analytics and intelligence through predictive risk models; automating internal processes for faster turnaround; enabling e-verification and digital contract execution integrated with NeSL’s Digital Document Execution (DDE) platform; improving portfolio vigilance and enabling early intervention; and co-creating a benchmark annual report on India’s credit landscape and systemic risk patterns.
For lenders and financial institutions, this partnership will mean data-driven credit decisions, faster processing and lower delinquency rates, translating to improved profitability and greater lending reach, especially for underserved segments. For the broader ecosystem, it will accelerate the adoption of India’s digital public infrastructure, deepen portfolio oversight, and channel credit flow into priority sectors with controlled risk.
This partnership takes us closer to our shared vision of a more transparent, efficient, and digitally empowered credit ecosystem,” said Sabyasachi Goswami, CEO, Perfios. “NeSL has played a crucial role in strengthening India’s digital financial infrastructure, and we are thrilled to partner with them in this initiative. By combining NeSL’s robust information utility framework with Perfios’ AI-powered decisioning, risk intelligence, and automation capabilities, we aim to strengthen India’s credit infrastructure and deliver deeper insights and efficiency to lenders and borrowers across the nation.”
Shri Debajyoti Ray Chaudhuri, MD & CEO, NeSL, said, “As a repository of financial information, NeSL is unique in many respects with a wealth of financial information submitted by a wide spectrum of creditors. This collaboration will integrate our data and alerts, after due consents as required by law, with advanced analytics and other data tools from Perfios to facilitate informed decisions in respect of credit underwriting and monitoring. Together we will facilitate quicker but better credit decisions benefiting sectors which have less access to credit. Through this collaboration with Perfios, we will supercharge our alert and repository infrastructure with advanced analytics and automation, enabling lenders to act early, decisively, and at scale. Together, we aim to reshape how credit stress is detected and managed in India.”