Axis Finance Launches 'Drishti' Digital Platform to Strengthen Retail and MSME Lending

Key facts

• Axis Finance Limited (AFL) has launched a configurable digital platform named Axis Finance Drishti to enhance credit-decisioning and risk oversight in retail and MSME lending.
• The platform is an in-house Business Rules Engine (BRE) initially deployed for personal loans, business loans, loan against property, and Disha home loans.
• Drishti combines underwriting workflows, data-driven insights, and statistical scorecards to enable automated, policy-led credit assessments.
• It supports real-time decision-making, dynamic policy implementation, and integration with multiple data sources including alternative data.
• The platform enables both straight-through processing (STP) and assisted credit journeys.
• Sai Giridhar, MD & CEO of Axis Finance, stated that the platform aims to build a more agile and analytics-enabled lending ecosystem.
• Axis Finance is a non-deposit accepting NBFC regulated by the RBI and a subsidiary of Axis Bank.