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Dul-fin · AI Finance Platform · 2026 · 60+ Autonomous Agents · ₹250Cr+ Sanctioned
Dulcet Holding
4-Layer AI Intelligence Stack

Multi-Level AI
Finance Intelligence

4-layer AI stack — Perception → Cognition → Decision → Autonomous Action. 60+ agents working 24/7 to sanction ₹250Cr+ in finance.

Dul-fin AI Intelligence Stack
LIVE
NEURAL ACTIVITY97.1%
MODULES ONLINE
2/4
L1· Perception

AI Perception Layer

48,200

Docs Parsed/Day
L2· Cognition

AI Cognition Engine

12

Models Running

Deep reasoning LLM cross-analyzes financial ratios, covenant compliance, and risk patterns — producing a 360° credit appraisal in seconds.

12

Models Running

4.2s

Appraisal Speed

98.7%

Accuracy Score

Underwriting AIRatio AnalysisRisk ScoringNPA PredictionCovenant CheckFraud Detect
L3· Decision

AI Decision Matrix

1,247

Auto-Approvals
L4· Autonomous Action

Autonomous Agent Swarm

60+

Active Agents
Welcome to Dulcet
LIVE
Namaste · Welcome

Welcome to Dulcet Holding

India's top AI-powered finance intelligence platform. From invoice discounting to supply chain finance, our 60+ autonomous AI agents sanction 250Cr+ in funding with a 6-hour turnaround. Fully RBI-compliant, fully autonomous.

6-Hour AI Sanction
RBI Compliant NBFC
250Cr+ Disbursed
Featured Products
Portfolio AUM📈
₹2,847 Cr
+18.4%
Active Loans🏦
12,493
+342
AI Accuracy🎯
98.7%
↑ 0.3%
NPA Rate🛡️
0.82%
-0.12%
Today Disbursed💸
₹43.2 Cr
+26%
SCF Volume🔗
₹891 Cr
+31%

Bill Discounting & Supply Chain Finance

Live portfolio · AI-monitored · Real-time

SCF Facility
₹22.5Cr
3 active deals
Total Disbursed
₹15.0Cr
Across all programmes
Discounting Vol
₹0
Bill / Invoice discount
Portfolio Health
97.4%
NPA < 0.6%
Active Bill Discounting Invoices
0 invoices
Invoice IDBuyerAmountStatus
Total receivable: ₹0
SCF Programme Mix
Vendor Financing
42%₹9.4Cr
Invoice Discounting
31%₹7.0Cr
Dealer Finance
17%₹3.8Cr
Dynamic Discounting
10%₹2.3Cr
✅ Portfolio Status
All invoices on track
Healthy
Avg processing time
4.2 hrs
Discount rate (avg)
10.6% p.a.
Next maturity
N/A
Live AI Activity Stream
✅
AI underwrote MSME loan ₹45L — APPROVED
ago 00:02s
🤖
CRM: 3 leads auto-qualified via intelligence scoring
ago 00:15s
🔗
SCF: Invoice ₹2.4Cr discounted via TReDS
ago 00:31s
🛡️
Risk Engine: NPA flag cleared for Lead #7823
ago 00:47s
📄
Trade Finance: LC/BG verified — compliant
ago 01:02s
📞
AI Calling Agent: Follow-up initiated × 12
ago 01:18s
💸
Disbursement: ₹8.2Cr processed — 4 loans
ago 01:35s
Platform Health
AI Engine98%
Data Layer99%
API Gateway97%
Security100%
Multi-Level AI FinanceUS Import & Export Investment BankingUSD-Denominated Lending6-Hr AI SanctionEXIM-Aligned60+ AI Agents
Immersive Transaction Pipeline

Watch Finance Flow in Real Time

Every transaction cascades through 4 AI-powered stages — from application to disbursement — in under 6 hours.

Application

AI intake & document upload

1,247txns

Verification

GST · MCA · CIBIL auto-check

1,089txns

Approval

AI credit decision in 0.8s

956txns

Disbursement

Instant UPI / RTGS transfer

834txns

1,251

Live Transactions

0.8s

Avg Decision Time

94.2%

Sanction Rate

₹250Cr+

Total Disbursed

AI-Orchestrated · 18 Products / 4 Categories

Complete Trade Finance Stack

₹1345 Cr

Utilized

74.7%

Avg Util
View All
01
SCF

Dealer Invoice Financing

₹89.2 Cr74.3%
Limit ₹120 Cr Live
Push & Pull Method
02
SCF

Vendor Invoice Financing

₹59.5 Cr74.3%
Limit ₹80 Cr Live
Post-Shipment Finance
03
SCF

Payable Finance (Corporate)

₹104 Cr74.4%
Limit ₹140 Cr Live
Reverse Factoring
04
SCF

Dynamic Discounting

₹67.5 Cr75.0%
Limit ₹90 Cr Live
Early Payment Program
05
SCF

Domestic Invoice Discounting (TReDS)

₹82.5 Cr75.0%
Limit ₹110 Cr Live
Electronic Factoring
06
Inventory

Inventory Funding

₹52.0 Cr74.3%
Limit ₹70 Cr Live
OEM Stock Finance
07
Inventory

Distributor Financing

₹71.3 Cr75.0%
Limit ₹95 Cr Live
Channel Finance
08
Inventory

Agri-SCF / Commodity Finance

₹63.8 Cr75.0%
Limit ₹85 Cr Live
Farm-to-Market
09
Inventory

PO-Backed Supplier-Funded (Agri-SCF)

₹56.3 Cr75.0%
Limit ₹75 Cr Live
Priority Sector Lending
10
Receivables

Advance Against Receivables

₹97.5 Cr75.0%
Limit ₹130 Cr Live
Asset-Based Credit
11
Receivables

Purchase Order Financing

₹74.2 Cr74.2%
Limit ₹100 Cr Live
Pre-Shipment Finance
12
Export/Import

Import Finance / Buyer's Credit

₹85.7 Cr74.5%
Limit ₹115 Cr Live
Cross-Border SCF
13
Export/Import

Export Invoice Discounting

₹67.2 Cr74.7%
Limit ₹90 Cr Live
Post-Shipment Export
14
Export/Import

Forfaiting

₹78.1 Cr74.4%
Limit ₹105 Cr Live
Medium-Term Receivables
15
Export/Import

Export Packing Credit (PCFC)

₹63.4 Cr74.6%
Limit ₹85 Cr Live
Pre-Shipment · Foreign Currency
16
Export/Import

Rupee Export Packing Credit (REPC)

₹71.3 Cr75.0%
Limit ₹95 Cr Live
Pre-Shipment · INR
17
Export/Import

Cross-Border Invoice Discounting (ITFS)

₹75.0 Cr75.0%
Limit ₹100 Cr Live
GIFT City SEZ
18
Export/Import

Export Bill Discounting (EBD)

₹86.3 Cr75.0%
Limit ₹115 Cr Live
Post-Shipment · LC/PO

AI Decision: Neural engine maps 18 products across 4 category clusters, auto-routing applications to optimal lenders with 98.7% accuracy. Total platform coverage: ₹1800 Cr.

AI Cockpit
Neural Cortex · Autonomous AI Mesh

Six Modules. One AI Brain. Complete Trade Finance.

The autonomous AI cortex orchestrates every trade finance product through curved neural pathways — data streams flow continuously, enabling cross-module intelligence and unified decision-making.

LIVE
NEURAL ACTIVITY
99.3%
MODULES ONLINE
6/6
GST_DATAMCA_DATAFX_RATESCIBIL_SCOREUPI_FLOWAML_CHECKAI CORTEXInvoice Discounting4 productsSupply Chain Finance4 productsTrade Finance4 productsWorking Capital4 productsDigital Finance4 productsRisk & Compliance4 products

Autonomous AI Cortex

Hover a module to explore

The AI cortex continuously monitors all six modules, fetching GST/MCA/CIBIL data, running credit decisions, and producing human-in-the-loop recommendations across the entire trade finance stack.

Modules

6

AI Products

18+

Data Sources

GST·MCA·CIBIL

Mode

Copilot

6

Neural Modules· All Online

18+

AI Products· Trade Finance

12,000+

Decisions / Day· AI-Powered

6 Hrs

Sanction TAT· End-to-End
Motion Roadmap · Trade Finance Journey

Your Finance Journey, Step by Step

From invoice discounting to cross-border trade finance — explore six financial products on an interactive roadmap, then apply in minutes with our AI-powered portal.

Invoice Discounting

Invoice Discounting

1

TReDS bidding, RXIL auto-bid, instant liquidity against unpaid invoices

₹2L – ₹5Cr

Per Invoice
Supply Chain Finance

Supply Chain Finance

2

Vendor finance, dealer finance, reverse factoring across your supply chain

90%

Advance Rate
Trade Finance

Trade Finance

3

LC issuance, BG verification, forfaiting and cross-border export finance

120+

Countries
Working Capital

Working Capital

4

Demand loans, cash credit, overdraft and bill discounting facilities

6 Hrs

Sanction TAT
Dealer Finance

Dealer Finance

5

Inventory funding, floor financing and channel finance for dealers

₹50L+

Per Dealer
Export Finance

Export Finance

6

Pre-shipment & post-shipment finance, export bill discounting, forex hedging

USD

Multi-Currency

AI-powered application · Sanction in 6 hours · No paperwork hassle

AI-Designed Layout · Trade Finance Triptych

Complete Trade Finance Ecosystem

Bill Discounting · Trade Finance Stack · Supply Chain Finance — three pillars, one AI-orchestrated view.

Bill Discounting

TReDS · RXIL · M1xchange
AI

0.25%

Platform Fee
STEP 1

Invoice Upload

Seller uploads invoice with buyer details

STEP 2

Buyer Acceptance

Buyer verifies & accepts on TReDS platform

STEP 3

Financier Bidding

Multiple financiers compete with rates

STEP 4

Bid Acceptance

Seller accepts best discount offer

STEP 5

Disbursement

Instant payout, repayment on due date

AI routes MSME sellers to TReDS — 12% lower discount rates vs. offline

Complete Trade Finance Stack

18 products · 5 categories · one platform
AI

AI maps 18 products to 6 neural modules for cross-sell intelligence

Supply Chain Finance

Anchor · Vendor · AI Underwriting
AI

90%

Advance Rate
STEP 1

Anchor Onboarding

Corporate anchor sets up SCF program

STEP 2

Vendor KYC

AI verifies and onboards vendors

STEP 3

Invoice Upload

Vendors submit invoices & purchase orders

STEP 4

AI Underwriting

AI evaluates credit & assigns advance rate

STEP 5

Disbursement

Instant vendor pay, anchor pays later

AI auto-assigns 90% advance rate for Tier-1 anchor vendors

18+

Products· Trade Finance

90%

Advance Rate· Max

6 Hrs

Sanction TAT· End-to-End

0.25%

Platform Fee· Per Transaction

120+

Countries· Cross-Border
About Dulcet — Import & Export Desk

Investment Banking & Lending for
Dulcet Import & Export Customers

Dulcet operates a fully integrated investment banking and lending desk dedicated to importers and exporters — originating, underwriting and syndicating trade, receivables and inventory facilities entirely in-house, with USD-denominated capital and EXIM-aligned structuring.

Investment Banking

Cross-border capital raising, syndication & structured trade finance for Dulcet importers and exporters.

Import / Export Lending

Inventory, receivables & PO-backed facilities denominated in USD with LC and forfaiting support.

Global Trade Coverage

Financing flows across 40+ corridors — Americas, EU, ASEAN, and South Asia from a Dulcet lending base.

Compliance-First

OFAC, BSA/AML, FATCA and EXIM-aligned structuring with sovereign-grade audit trails.

6-Layer Intelligence Stack

Multi-Level AI Finance Intelligence

Six stacked intelligence layers — perception, reasoning, origination, compliance, syndication and learning — engineered entirely in-house to run import & export finance end-to-end from Dulcet.

● ACTIVE

Level 1 · Perception

Continuous ingestion of EXIM rates, shipping manifests, customs filings, and counterparty signals across 40+ trade corridors.

ManifestsHS CodesFX Feed
● ACTIVE

Level 2 · Reasoning

Multi-model reasoning scores counterparty credit, shipment risk, FX exposure and facility fit — in under 6 hours.

Credit ScoreFX RiskFacility Fit
● ACTIVE

Level 3 · Origination

Autonomous origination drafts LC, forfaiting and receivables facility structures with compliant documentation.

LC DraftForfaitingDocs
● ACTIVE

Level 4 · Compliance

OFAC, BSA/AML, FATCA and EXIM checks run in parallel with a sovereign-grade audit trail on every decision.

OFACAMLEXIM
● ACTIVE

Level 5 · Syndication

AI matches the facility to Dulcet and international capital pools, syndicating tranches at optimal pricing.

TranchesPricingCapital Pools
● ACTIVE

Level 6 · Continuous Learning

Every closed trade feeds back into the model — improving future pricing, risk and structuring decisions.

Feedback LoopSelf-Tuning
Zero external AI APIs
6-hour sanction TAT
Sovereign-grade audit trail
40+ trade corridors
6 Autonomous Agents · Neural Mesh · Live

Your Agents of Credit, Diligently at Their Post

Open AI Cockpit
Active Agents6/6
Tasks Today12,066
Avg Accuracy97.6%
Signals/s10K+
Core
Know Your Agent · KYA
Neural Activity
99.5%

Credit Appraisal Agent

Analyzing 3 dossiers
247Tasks
98.4%Accuracy
AI
Credit Risk
I've appraised 247 loan files this week. Ask me about any credit risk metric.
Live AI Workflow Cinema

See Automation Live

Real disbursement journeys — animated node graphs, AI terminal feed, audio narration

Live · Real-Time AI OS

Dul-fin RTOS —
Self-Thinking AI Operating System

6 autonomous AI agents — Perception, Thinking, Action, Learning, Watchdog & SelfHealing — running the OODA loop 24/7 to govern every operation in real time.

Live Activity · Real-Time Data

3

Applications

2

Sanctioned

50+

Lenders

1,000+

Enquiries

12,000+

AI Appraisals/Day

6 Hrs

Sanction TAT

Global Footprint

Our Presence &
Operations

Headquartered in Coimbatore, India — with operations across Europe, Southeast Asia, and the USA.

🇮🇳

India (HQ)

Coimbatore, Tamil Nadu

🇸🇬

Singapore

ASEAN & Trade Hub

🇺🇸

USA

North America Operations

🇪🇺

Europe

Ireland · Italy · Netherlands · Luxembourg

68%

Cross Border Finance

24%

Lease Finance

7%

Direct Loans

1%

Factoring

3rd floor, Site No. 12, Sathirvedhi Nagar,
Senthil Nagar, Coimbatore – 641006,
Tamil Nadu, India
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