AI RISK
FLAGS

Protecting Indian Businesses from Bad Debt.

A message from our co-founder on replacing gut feelings with data-driven credit risk tags to safeguard your business cash flow.

70%

of Indian retail transactions rely entirely on local, informal credit.

The Collection Barrier

Merchants hesitate to ask for money, creating a silent loophole in cash flow.

The 60-Day Cliff

As credit ages past 60 days, default probability rises exponentially.

For years, I watched my uncle struggle with credit management in his grocery shop. Over time, his business accumulated over ₹85,000 in bad debts. He was practically paying to keep his customers. That is why we built Rupaya Khata.
— Mahmuda Begam, Co-founder
The Solution 01

Credit Aging Score

Calculates the exact number of days that have passed since the customer last made a transaction or payment. This replaces complex predictive algorithms with simple, date-driven logic.

Reminder Log Activity

Tracks customer reaction to payment reminders—did they clear it immediately, ask for time, or avoid calls entirely? We turn behavioral data into actionable insights.

Automated Tagging

Based on these inputs, the app automatically tags customer balances with colored risk indicators: Safe (Green), Warning (Yellow), and Defaulter (Red). No more guessing.

Auditing credit aging...

Risk Calculator Simulator

₹
0%
Default Probability
Low Risk

Lending Assessment

Submit variables to view audit feedback.

FAQs

Risk Flagging FAQ

How does Rupaya Khata calculate customer risk levels? +
The app automatically calculates a score based on customer payment history, age of current outstanding dues, and behavior towards past WhatsApp reminder messages. Standard rules group profiles into Safe, Warning, and High Risk.
Will red-tagging a customer lock their account automatically? +
No. Rupaya Khata leaves full control in your hands. The app highlights red flags to warn you, but you can choose to continue or restrict credit limits manually as you see fit.
Can I manually change a customer's risk flag? +
Yes, while the AI provides automated tagging based on objective data, you always have the option to manually override a customer's risk flag if you have personal knowledge of their situation.
Is my customer data shared with third parties for risk profiling? +
Absolutely not. All risk calculations happen locally. Your customer data remains 100% private, highly secure, and is never shared with third-party credit bureaus or other businesses.
What should I do if a regular customer is marked as High Risk? +
We recommend pausing further credit extensions until the outstanding balance is cleared. You can use our automated WhatsApp reminders to send firm but professional payment requests, removing the awkwardness of asking for money directly.