Agents that draft KYC reviews, prepare credit summaries, nudge collections inside RBI guidelines, triage insurance claims and watch for regulator circulars. Every regulated decision still ends with a human signature. Built by the team behind Dcomply, our compliance platform used across BFSI in India.
Every loan file needs a credit officer to read bank statements, ITR and GST returns and write a summary. Every KYC re-verification cycle needs an ops analyst to chase documents, run OCR and check watchlists. Every RBI or SEBI circular that drops on a Friday evening needs a compliance analyst to read 40 pages by Monday and figure out what changed for you.
None of these decisions should be made by a machine alone. All of them can be drafted, scored and pre-checked by an agent so the human spends 5 minutes approving instead of 45 minutes assembling. That is where AI agents earn their keep in BFSI. Not autonomy. More throughput per hour.
Dcomply is Decipher's regulatory compliance product. It ingests RBI, SEBI and IRDAI circulars, maps them to client obligations, and tracks filings across NBFCs, insurance intermediaries and lending fintechs. The agent patterns on this page are the same ones we ship inside Dcomply and for BFSI clients who want them embedded in their own core stack.
See DcomplyWe do not ask you to rip out Finacle or your PAS. Agents talk to your existing stack over documented APIs, produce drafts, and post back to the same systems your officers already work in.
Read and write against Finacle, Flexcube, TCS BaNCS and Oracle FLEXCUBE Universal Banking via their published integration layers. Agents post credit memos and KYC flags back to the officer queue.
Nucleus FinnOne, HDB, Lentra, Cloudsquare, Newgen. Agents pull application data, produce underwriting drafts, and route to credit committee with a scored recommendation.
Policy admin systems from Majesco, DXC, InsureEdge and homegrown platforms. Agents draft endorsements, triage FNOL, and pre-fill grievance responses within IRDAI turnaround norms.
Read positions and transactions from CDSL, NSDL and custodian feeds. Agents draft monthly wealth summaries for RIAs and PMS managers, always countersigned by the advisor before it goes out.
Watchers for RBI, SEBI and IRDAI circular pages, FIU-IND advisories, and gazette notifications. When something drops that matches your business, the right compliance owner gets it in Slack or email within minutes.
Perfios, Karza, Setu, Finvu, Signzy, IDfy, Digio for bank statements, GST, ITR, PAN, Aadhaar offline KYC and the Account Aggregator framework. Agents orchestrate these calls with consent artefacts stored in the audit log.
Chases documents from the customer over WhatsApp or email, runs OCR on PAN, Aadhaar (offline), passport and utility bills, cross-checks against RBI, OFAC and UN watchlists, and drafts flags for the compliance officer to approve or reject.
50-70% turnaround cutReads bank statements via Perfios or Karza, pulls GST and ITR summaries, computes DSCR, FOIR and bounce ratios, and writes a credit note with red flags highlighted. Credit officer reviews and approves. Final call is always human.
3-5x file throughput per officerSends EMI reminders and post-due nudges across WhatsApp, SMS and voice, within RBI Fair Practices Code and the recovery agent guidelines. Never calls in restricted hours, honours opt-outs, escalates disputes to a human agent immediately.
Around 30% lift in on-time repaymentCategorises FNOL by product and severity, requests missing documents from the insured, and scores fraud signals against historical claim patterns. Prepares a triage packet for the claims officer with recommended next step.
Faster settlement, fewer repudiationsHandles endorsements, renewal reminders, nominee updates and address changes over customer channels. Follows IRDAI-compliant flows for authentication and turnaround. Requests that need underwriter review are routed with full context.
Ops team frees up for exceptionsThe Dcomply pattern. Watches RBI, SEBI, IRDAI and FIU-IND for new circulars and advisories, maps them to your product lines and licences, and drafts a "what changed and what you need to do" note for the relevant compliance owner.
100% circular coveragePulls custodian data for RIA and PMS clients, drafts a monthly portfolio summary in the client's preferred language, and stages it for the advisor to review and personalise before send-out. Stays within SEBI RIA advertising norms.
Advisor time back for real adviceRuns velocity checks, unusual-pattern flagging and typology matching across transaction feeds. Drafts Suspicious Transaction Reports and Suspicious Activity Reports for the Principal Officer to review before filing with FIU-IND.
Cleaner STR quality, less false positives15-min call. You tell us the workflow, the systems it touches and the compliance owner. We come back with a scoped pilot and fixed price in 48 hours.
Book Free 15-min CallDcomply is not a demo. It is a running Decipher product used by compliance teams at NBFCs, insurance intermediaries and lending fintechs to track RBI, SEBI and IRDAI obligations. The agent patterns on this page are what we built for Dcomply first, then productised for clients.
Watches RBI, SEBI, IRDAI and FIU-IND. Reads new circulars, extracts effective dates and applicability tags, and pushes them into the obligation graph. Zero manual re-typing.
100% coverage since launchFor each new circular, matches it against the client's licence type, product mix and past obligations, and drafts a "what changed for you" summary that the compliance head signs off on.
Analyst hours per week savedMaintains the calendar of returns, ADF submissions and board-report items. Nudges owners before due dates, drafts filing packets from historical data, and flags gaps to the Principal Officer.
Zero missed filings in productionThe Head of Compliance at a mid-sized NBFC used to spend two days a week reading circulars and figuring out what applied. With the agents inside Dcomply, that dropped to a couple of hours of review on drafted notes. Same person, more head-space for the work that actually needs judgement. That is the pattern we bring into your stack.
Workflow deep-dive, systems inventory, compliance owner interview, written feasibility with risk map.
One agent, one workflow, one integration. Runs against real historical files with human reviewers scoring output.
Multi-agent system, core integration, audit console, human review queue, penetration test, IS audit sign-off.
Model API costs, prompt regression tests, circular feed, audit retention, quarterly regulator-facing evidence pack.
Book a 15-min call. Tell us the workflow, the systems it touches and the compliance owner. We come back with a scoped pilot and fixed price in 48 hours.