Compliance and Credit Software for India's NBFCs
File your RBI returns without the month-end scramble, and read a borrower's real repayment capacity straight from their bank statement. Built for Indian lenders, by a team that has worked in Indian lending since 2010.
Sastra Technologies is an Indian software company, operating since 2010, that builds compliance and credit software for non-banking financial companies. Its products automate the preparation and filing of RBI regulatory returns in XBRL, and assess a borrower's repayment capacity by analysing bank statements.
Building software for Indian lenders since 2010 · Bank statement coverage across 110+ Indian banks · Chennai, India
Solutions
Who we build for
MSME lenders
Thin-file borrowers with real cash flow. The account shows what the balance sheet does not.
NBFC-MFIs
The repayment-capacity test applies to the borrowing household, while bureau records sit with individuals. Obligation detection from the household's own account closes that gap.
Gold loan NBFCs
Collateral-led, so the reporting burden is the sharper problem. AB Compliance is the fit.
Housing finance companies
NHB and RBI reporting, on a heavier return set.
Products
Two products. One live, one in early access.
In development — early access open
File every RBI return on time, without the month-end scramble
Prepare and file your RBI regulatory returns in XBRL from your own data, with the taxonomy handled for you and an audit trail behind every figure. Currently in development with a first group of NBFCs. Early access is open.
Live now
Underwrite from the account, not the declaration
Upload a bank statement PDF and get a structured read of inflows, outflows and existing repayment obligations — including the ones a credit bureau pull will not show you, because they never went through a lender. Coverage across 110+ Indian banks.
Services
Integration work for lenders
When the software you already run needs to talk to something else, we build that integration.
API Development
Lending and reporting APIs, designed and documented so the next team can pick them up.
Credit Bureau Integration
Bureau enquiry and submission flows wired into your existing loan origination or core system.
RBI Return Filing Calendar for NBFCs, FY 2026-27
Every return, every due date, on one page. Free, no sales call.
Why Sastra?
Sixteen years inside Indian lending — and only Indian lending.
Sixteen years inside Indian lending
We have been building for NBFCs since 2010. Regulatory reporting is not a vertical we entered — it is the only one we have worked in.
We know the taxonomy changes before your auditor does
RBI's return set and its XBRL taxonomy move. Tracking those changes is part of the product, not a support ticket you raise after a filing fails validation.
Assessment that does not depend on an Account Aggregator
AB Analyse reads the statement you already collect. There is no per-consent data fee, so you do not pay to assess the applications you decline.
Who we serve
Different lenders have different binding constraints.
Here is where each of ours fits — see the four segments above.
Two ways to start
See AB Analyse work on a real statement
Open the demo, upload a statement, read the output. No form first.
Get AB Compliance when it ships
Tell us which returns you file and we will bring you into early access.
