AI infrastructure for mortgage lending
Your credit policy, running as code.
Neurafin turns a lender's credit policy into versioned, machine-readable rules — then validates documents and assembles decision-ready files on top. Mortgage decisions in days, not weeks, with every decision traceable to the clause it was made under.
The problem
Mortgages are the least automated large-ticket credit product in the world.
Lenders have digitised the front of the journey. The 45 days are in the middle.
Proof
Not a prototype. A production system.
Neurafin did not begin as a product. It began because our own mortgage business could not function without it. Butter Money set out to make Indian home loans faster — and to do that at all, it had to encode what each lender would actually approve. That engine now runs in production every day.
- 11
- direct lender integrations
- ₹223 Cr
- loan value processed
- 30–35 days
- average TAT, against an industry 45+
- 196
- mortgage files run through the engine
Figures from Butter Money's live mortgage operations, May 2026. Neurafin is the underwriting engine built inside that business, offered to lenders directly.
How it works
Three steps to a decision you can defend.
Ingest the policy.
Your circulars, product notes, deviation matrices, FOIR and LTV grids become versioned, machine-readable rules. Change policy centrally; it takes effect the same day, everywhere.
Read and validate the file.
Documents are classified, extracted and checked against your policy — not a generic schema. Cross-document inconsistencies and likely queries surface before submission.
Decide, with the clause attached.
Every decision returns the rule it was made under. Audit-ready by construction, not by reconstruction.
Platform
Five modules. Sell one, land, expand.
The underwriting engine, unbundled. Each module stands alone and compounds with the next.
Differentiation
Built by operators, not observers.
General-purpose document AI can read a page. It cannot tell you whether a specific lender will accept it on a specific property, in a specific city, under a specific product. That knowledge does not come from a model — it comes from processing thousands of real files and watching what lenders actually do. We built Neurafin because we needed it, and we know it works because we run on it.
Security & compliance
Built for a regulated credit function.
Data residency you choose.
Deployed in your jurisdiction — India (GCP asia-south1) or the region you require.
Explainable by construction.
Every decision cites its clause. Explainability is the architecture, not a report.
No proprietary models, no black box.
We do not train foundation models. The intelligence is the policy layer and the decision ledger.
Alongside your core, not instead of it.
Integrates with your LOS/LMS by API. No core replacement, no multi-year programme.
See it against your own policy.
The fastest way to understand Neurafin is to watch it ingest a policy you already know. Tell us which product line, and we will show you.
Request a demo