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Assess · Analyze · Assure

India's First AI-Native, Full-Stack Risk Intelligence Platform

MSME Assessment · External Due Diligence · Crisis Intelligence — built on India's lawful digital public infrastructure.

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Built for a data-thin economy

Scores where bureaus see nothing

Business Health Scores, Vendor Risk Grades and continuous monitoring — for lenders, insurers, corporates, cooperatives and government agencies who assess India's data-thin economy every day.

Who We Serve
The solution

One data spine. One knowledge graph. Three engines.

Assessments feed monitoring. Monitoring feeds the graph. The graph sharpens every next assessment.

See the Technology

The problem

India's growth engine is assessed with yesterday's tools

Data-thin borrowers

Bureau scores fail where MSMEs need credit most: no files, no history, no rating.

Fragmented risk stack

Bureaus, background-check firms and monitoring tools each cover one slice; nobody integrates.

Diligence is manual & slow

External due diligence today is analyst-driven, expensive, and refreshed yearly at best.

Crises surface too late

Lenders and insurers typically learn of stress from defaults and headlines, not early warning.

6+ crore

Udyam-registered MSMEs, most with thin or no formal credit file

₹25–30 lakh crore

Estimated MSME credit gap

2.61 billion

Financial accounts enabled for Account Aggregator sharing (Dec 2025)

Why now

Three forces converge — for the first time

01

Digital public rails

ULI, Account Aggregator, OCEN, ONDC, GSTN, NeSL, DigiLocker: lawful, machine-readable business data at scale that didn't exist five years ago.

02

AI maturity

LLMs, knowledge graphs, agentic monitoring and explainable scoring make assessment of data-thin entities economically viable.

03

Regulatory clarity

The DPDP Act 2023 penalises scraping-based models and rewards consent-architected platforms. Compliance becomes the moat.

Positioning

What we are — and what we are not

What we are

  • An AI Risk Intelligence & Assessment company
  • Issuing scores, grades and due-diligence opinions
  • A user-pays model — lenders, insurers, corporates and investors subscribe
  • DPDP-by-design — Account Aggregator, GSP APIs, public registers, consented checks only

What we are not

  • Not a SEBI-registered credit rating agency — we do not issue securities ratings
  • Not a credit bureau under CICRA 2005 — no regulated credit information business
  • Not a scraping operation — no unconsented personal-data harvesting

The solution

One data spine. One knowledge graph. Three engines.

Engine 01

AI Assessment Engine

  • Business Health Scores & risk grades
  • Reason codes on every score (explainable AI)
  • Built for data-thin MSMEs using alternative data
Engine 02

External Due Diligence

  • Corporate, promoter, litigation, UBO, AML/sanctions screening
  • GST, MCA, court & tender analytics
  • Lawful-source, consent-architected reports
Engine 03

Crisis Intelligence

  • Continuous monitoring & early-warning alerts
  • Financial, legal, ESG, cyber, supply-chain and media risk
  • Heat maps & board risk dashboards

Assessments feed monitoring. Monitoring feeds the graph. The graph sharpens every next assessment.

Why us

Everyone owns a slice. Nobody owns the stack.

Bureaus, rating agencies and due-diligence firms each cover one piece of the picture. Crux integrates assessment, deep diligence and continuous monitoring on a single knowledge graph — so every new report makes every future score sharper.
  • Built for data-thin MSMEs, not just large rated corporates
  • Consent-architected data (DPDP-by-design) — not scraping
  • Continuous monitoring, not one-off reports
  • Explainable AI — every score comes with reason codes
About Crux

Products

Four categories, one platform

01

Associate Assessment

  • Business Health Score & risk grade
  • Channel partner / distributor / franchisee grades
  • Cooperative Risk Grade
  • ESG & governance grades
02

Due Diligence for MSME

  • MSME Assessment Report
  • Credit Passport (MSME-held)
  • Lender & government-scheme onboarding checks
  • Insurance risk assessment for MSME covers
03

Supplier Validation

  • Supplier verification & certification
  • Vendor Risk Grade
  • Supply-chain risk mapping
  • Continuous supplier monitoring
04

External Due Diligence

  • Corporate, financial & promoter diligence
  • UBO, AML/sanctions/PEP, adverse-media screening
  • Litigation search
  • Investor, M&A & board due diligence
Explore Products

Who we serve

Six audiences, one risk language

Banks & NBFCs

Origination scoring, portfolio monitoring, EDD on borrowers and vendors.

Cooperative banks & societies

White-label risk desk for UCBs, DCCBs and credit societies.

Insurers

Underwriting data for credit insurance, trade credit and surety bonds.

Corporates

Vendor and supply-chain risk, distributor and dealer assessment.

VC / PE & M&A

Investment and transaction due diligence, portfolio company monitoring.

Government & DFIs

Scheme-linked assessment at scale (e.g. CGTMSE, state MSME programmes, export promotion).

Get in touch — for banks, NBFCs, insurers, cooperatives, corporates and government partners.

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Focus areas

Where we go deep

Cooperative Risk Desk

White-label borrower assessment for UCBs, DCCBs and credit societies, an underserved segment.

Insurance & Surety

Underwriting data for credit insurance, trade credit and the emerging surety bond market.

Government Schemes at Scale

Assessment infrastructure for scheme-linked lending and MSME programmes.

Latest insights

Insight MSME credit & alternative data
Crux Research
Insight DPDP compliance for risk & underwriting data
Crux Research
Insight Explainable AI in credit and risk scoring
Crux Research

Get the Crux risk briefing

MSME credit & alternative data, DPDP compliance, cooperative banking risk, trade credit and surety underwriting, and explainable AI in risk scoring.