🏦 Perfios Software Solutions – India’s B2B FinTech Powerhouse
Perfios is a Bangalore-headquartered, SaaS-only technology firm that digitises and automates the entire financial customer lifecycle—from onboarding and KYC to underwriting, monitoring, and collections. It is now India’s largest B2B Techfin platform, serving 1 000+ banks, NBFCs, insurers, and fintechs across 18 countries .
🧩 Core Product Suite (mid-2025)
| Product | What It Does | Key Metrics |
|---|---|---|
| Perfios OneCAM | Multi-document credit-analysis & fraud detection for loan files | 80 % faster CAM prep, 5 % reduction in fraud losses |
| Perfios eSign | Aadhaar-OTP & DSC-based e-signature for customer onboarding | 300 k+ docs e-signed to date, 3-step workflow |
| Perfios Account Aggregator (AA) APIs | Consent-based bank-statement & tax-data aggregation | Processes 8.2 billion data points / year, 1.7 billion transactions / year |
| Perfios Switch UAE | Mortgage origination platform (launched 2024) | 25 % uplift in business volumes for Lion Mortgage in pilot |
| IHX (acq. Apr 2025) | Healthcare claims data exchange & fraud analytics | Extends Perfios into health-insurance risk scoring |
| Credit Nirvana (acq. Mar 2025) | AI-driven collections & recovery engine | Reduces delinquencies via ML-driven contact strategies |
⚙️ Under-the-Hood Architecture
Data Ingestion: 500+ REST APIs connect to banks, tax portals, bureaus, insurers, and healthcare networks.
AI/ML Layer: Real-time income & expense classification, deepfake detection in video-KYC, LLM-assisted document summarisation.Compliance: ISO-27001, SOC-2, RBI & IRDAI regulatory templates baked-in.
Scale: Handles >2 million API calls / day with 99.9 % uptime SLA.
📊 Business Impact Snapshots
IndusInd Bank VP: “Perfios cut our credit-manager effort by 50 % and lowered fraud losses by 5 %.”
Overall Ecosystem: Enables same-day loan approvals for 90 % of Indian financial institutions.🚀 Funding & Roadmap
Total raised: $435.1 million (latest $80 M from Ontario Teachers’ Pension Plan, March 2024).
IPO: Eyeing public listing once governance benchmarks are met.2025 Focus:
– Expand IHX health-insurance APIs globally.
– Integrate large-language models for conversational underwriting.
– Enhance deepfake detection for video-KYC compliance.
🔑 One-Sentence Takeaway
Perfios is the plug-and-play nervous system behind modern lending, insurance, and embedded-finance products—turning raw data into real-time, compliant decisions at banking scale.