Data Sutram Information

Data Sutram is an Enterprise AI-Trust Platform helping India's financial institutions solve fraud, risk, collections, and portfolio challenges across the customer lifecycle. It operates as a new-age intelligence bureau unifying fragmented data signals into a single, actionable view of every customer, from acquisition through portfolio monitoring to collections. The platform runs on two layers. Auth, the intelligence layer, delivers external intelligence that tells institutions who to trust millions of signals spanning Trust, Identity, Employment, Vehicle, Financial, Business, and Traceability dimensions. This enables sharper decisioning without relying solely on bureau data, achieving 35–40% fraud capture at under 3% false positives, and 16–37% gains in contactability on delinquent portfolios. Echo, the agentic layer, acts on that intelligence — 100+ AI workflows turning insight into action: calls, outreach, verification, recovery. Its speech engine covers 20+ languages at 95%+ accuracy and sub-100ms latency, already running live bots in Hindi and English for EMI reminders, promise-to-pay conversion, and customer verification. "Auth to know, Echo to act" addresses four shifts in BFSI: rising fraud from mules and organized networks, the strain of scaling collections, new-to-credit customers outside traditional scoring, and digital-first expectations for instant experiences. Data Sutram is not a credit bureau, point solution, or data reseller — it augments bureau data, spans the full lifecycle, and delivers proprietary intelligence and outcomes rather than reselling raw data. The platform serves 50+ financial institutions and is fully compliant with ISO 27001, ISO 27018, SOC 2, and India's DPDP Act, built on tokenized flows with no raw PII persistence. It's backed by investors including Lightspeed Ventures and B Capital, with three Forbes 30 Under 30 founders.