Can we get a loan-to-value with its evidence in minutes rather than a valuer's week?
Illustrative. The live tool runs on the API.
Sample vehicle: LPT/SIGNA 2821.T, 2023, 2,55,000 km, Delhi.
- Figure
- 20 lakh rupeesBand: 19 lakh rupees to 22 lakh rupees
- Loan to value
- 60.0%loan: 12 lakh rupees
- Grade
- Modelled
- Body check
- Matches the registerChassis cab (body by builder)
| Evidence | Value | Source, date | Grade |
|---|---|---|---|
| New price on the register | 33,37,500 | a reported band, 23 Aug 2026 | Modelled |
| Depreciation | 61.0 percent of new at 3 years and 2,55,000 km | the register's one arithmetic on the new price, the age and the kilometres against the class norm; the curve, the kilometre rule and the band are part of the Residual Index licence, 28 Oct 2026 | Modelled |
| Kilometre norm for the class | 2,55,000 km at 3 years | 85,000 km a year for a truck, 28 Oct 2026 | Modelled |
| Bodies read on this chassis | Open deck (2) | the Body Book's observed stage, 12 Sep 2026 | Live |
sha256 39170a73c79a85308f43319f7140f5be3d3bbb27a059ee18d24b1f15bfab136b
Underwriting desk
Send the loan file and get back the valuation on the register's own new price, the band, the loan-to-value, the Body Book check on the declared body, the red flags and an evidence list with a source and a date on every line, sealed with a hash. Every decision is metered and scored for you when the outcome arrives. The aggregate accuracy is published every quarter.
- What you pay for today
- A valuer's visit, a week, and a number nobody will stand behind.
- Price
- from 300 rupees + GST a decision. The volume retainer replaces the per-decision fee and is quoted on the file count; write to the desk. Pricing
- Now
- The arithmetic and the Body Book checks run today; the decision packet with its hash is live on the API in pilot.
- On the API
- POST /catalogue/edge/desk/decisions and GET /catalogue/edge/desk/decisions/{hash} under licence; GET /catalogue/edge/desk/stats in public. The API guide
- For a design partner, month one
- The desk on your first hundred files, with the statement.
- What you co-design
- The flag thresholds and the outcome feed from your book.
- What moves the grade
- A hundred decisions scored against outcomes moves the grade to Live.
On the ledger
No forecast on the ledger belongs to this product yet.
Every figure on this page passed the register's gates. How a figure earns its grade
Talk to the desk.
Tell us who you are and the decision you are pricing. The first conversation costs nothing. A reply comes on working days.
Or write to [email protected].