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Free tool · For lenders

Bank savings & loss-avoidance calculator

Model two things at once: the analyst-hours and diligence cost you save across your loan book, and a modelled view of the credit losses stronger, independent evidence could help you avoid. Every input is yours to set — save and compare scenarios.

Volume & book

Files your team diligences in a year — approvals and declines both.

60%

≈ 1,440 loans sanctioned / year

₹

Disbursed exposure ≈ ₹576 cr / year

Diligence cost

₹

Fully-loaded cost per analyst-hour (₹/hour).

24 hrs
55%

Verified, corroborated evidence assembled for you — ≈ 13.2 hrs saved per file.

Loss avoidance (modelled)

4.0%
65%

Share of exposure lost on a default, net of recovery.

12%

Your own assumption: defaults that independent, corroborated evidence + conflict checks (double-financing, related-party, dilution, weak docs) could have caught. We supply the signals — we don't eliminate credit risk.

Total modelled annual benefit

₹4.33 cr

Diligence cost saved + modelled loss avoided

Diligence cost saved / yr

₹2.53 cr

31,680 analyst-hours freed

Loss avoided / yr

₹1.80 cr

Modelled — your preventable-share assumption

Disbursed exposure / yr₹576 cr

Modelled annual credit loss₹14.98 cr

Of which modelled as avoidable₹1.80 cr

Save this scenario

Saved in this browser only — nothing leaves your device.

Pressure-test these numbers with the team →

Please note

This tool is for indicative modelling only and is not financial, accounting or credit advice. Diligence savings depend on your own processes; loss-avoidance figures are driven entirely by the preventable-share assumption you enter and do not represent a guaranteed reduction in defaults. AssureLocker supplies evidence and risk signals — it does not make credit decisions, hold funds, or eliminate credit risk.
AssureLocker
Right Vectors India
3rd floor, Innov8, SKCL Tech Square,
SIDCO Industrial Estate, Guindy,
Chennai, TN 600032

AssureLocker is a verification & orchestration platform — not a lender. It supplies verified evidence and risk signals checked against authoritative sources (GSTN, MCA21, EPFO, CERSAI, Account Aggregator) and orchestrates the assessment room. It does not lend, hold or move funds, operate escrow, set advance rates, or make the credit decision — the lender's system of record makes that decision and disburses. Right Vectors India, the provider of AssureLocker, operates strictly as a Technology Service Provider. Every signal is labelled by evidence tier — registry-verified, lender-side, issuer-confirmed, document-signed or self-declared (missing where unresolved); some integrations are in sandbox, lender-side or pilot, and records are written to an immutable registry (hashes only — never raw PII). Signals and figures are point-in-time and consent-bound; confidential to the named parties.

Explainable, evidence-tiered signals — auditable on request. Our algorithmic-accountability approach →

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