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, DL.
- Figure
- 2 lakh rupeesBand: 19 lakh rupees to 22 lakh rupees
- Loan to value
- 60.0%loan: 12 lakh rupees
- Grade
- modelled
- Body check
- matcheschassis_cab
| Evidence | Value | Source, date | Grade |
|---|---|---|---|
| New price on the register | 33,37,500 | a reported band, 23 August 2026 | modelled |
| Depreciation | 61.0 percent of new at 3 years and 255,000 km | the register's one arithmetic: 75 percent after year one, 7 points a year, floor 25 percent, kilometre norm per class within minus 15 and plus 10 percent, band 8 percent, 13 September 2026 | modelled |
| Kilometre norm for the class | 255,000 km at 3 years | 85,000 km a year for a truck, 13 September 2026 | modelled |
| Bodies read on this chassis | Open deck (2) | the Body Book's observed stage, 12 September 2026 | live |
| The yard's closes, last quarter | 13 sold, 23 to 54 percent of new | the yard, 13 September 2026 | live |
sha256 67f82230f44394333818aa7a0914f3e99c0c06c8e54c2df2ffe6e4491e2f4740
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 200 rupees 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].