Darwix Auto PD listens to the officer and borrower, fills your PD form as they talk, flags what doesn't match, asks for proof on the spot, and writes an evidence-backed record into your LOS.
A PD reveals what documents can't. Yet officers rebuild it into a form later, details slip, contradictions surface days afterwards and photos lose their context.
Six stages, running throughout the visit.
Enter the Application ID. Darwix pulls applicant, co-applicant, product, amount, declared income, business, obligations, property, KYC and document status from your LOS and CRM. No blank form.
The officer talks to the borrower in Hindi, English or Hinglish. No reading the form out field by field.
Darwix identifies who said what and maps every relevant statement into the right PD field, in any order.
Each statement is checked against the application, documents and other sources. Contradictions and gaps surface while the borrower is still there.
When a claim needs proof ("I have fifteen machines here"), the officer is prompted to capture it, linked to that exact statement.
After officer review, approved fields, exceptions, evidence and next actions flow back into the LOS and workflow.
Step through a live PD and watch the form, flags and evidence fill in.
Every statement is checked against the application, documents and records, live.
Each photo or document is linked to the statement and field it supports.
Darwix tracks mandatory fields and prompts only when needed, including questions that were asked but not answered.
The financial, personal and on-ground story, in one place.
Separate CTC from take-home, sales from income, application from reality.
The original stays. The new value is captured, the difference marked and the resolution recorded.
A structured PD, the exceptions and a clear summary, ready for review.
The follow-up work the PD creates, done automatically.
Mark pending documents, create follow-up tasks when a co-owner is absent, preserve contradicted values and log the correction.
Write approved fields, attach PD summary and evidence, push exception codes, update PD status.
Update customer context and the document checklist, request pending documents.
Create credit-review tasks, route material discrepancies, trigger residence, business, technical or legal verification, create revisit tasks.
Sections, fields, evidence rules and write-back, configured by product and segment. Try it.
Auto PD captures, verifies and structures. It never sanctions or rejects, and it prepares clean inputs for FOIR, LTV and eligibility.
Tuned for each product and borrower segment.
Income, obligations, property purchase, own contribution, co-applicant
See it on your journey →Business economics, informal income context, seasonality, premises evidence
See it on your journey →Collateral use, end use of funds, cash flow, co-owner context
See it on your journey →Semi-formal income, household contributors, on-ground evidence, vernacular conversation
See it on your journey →Business model, sales and expenses, working capital, machinery and inventory evidence
See it on your journey →Reads from your systems before the visit and writes back after review.
Lender-configured borrower notice and consent.
Only the data the PD workflow is authorised to read.
Recordings, documents and evidence limited to authorised users.
Configurable masking and redaction.
Data protected in transit and at rest.
Sources, changes, discrepancies, evidence and actions traceable.
Lender-defined data location and retention.
As listed on the Darwix compliance page.
Less PD effort, with no loss of depth.
The PD is structured while it's happening.
Gaps and evidence needs surface on site.
Before they travel downstream.
Context-linked, not gallery-buried.
Exceptions and summary, not raw notes.
Natural Hindi, English and Hinglish.
What sets Auto PD apart at every stage of the discussion.
Starts from your LOS, not a blank form.
StagePre-fetchNo field-by-field reading.
StageListenHinglish native, mapped to standard fields.
StageListenMismatches become credit-ready exceptions.
StageVerifyProof linked to the statement it supports.
StageEvidenceNudges only when it matters.
StageStructureThe PD becomes actions.
StageActEvery value keeps its source.
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