Six AI tools working together
so you don't have to.

Speech-to-Text

Vendors send voice notes in Hindi, Tamil, or Telugu. Hisaab transcribes and understands them — no typing required.

OCR & Document Extraction

Photos of supplier bills, receipts, or inventory lists are automatically read. Amounts, dates, and items extracted without any form-filling.

Multilingual NLP

Understands natural-language requests like "mujhe kal ke liye 8,000 chahiye" — intent, amount, and urgency all extracted from free text.

Cash-Flow Estimation

Instead of trusting the requested amount blindly, AI estimates real working-capital need from bill amounts, business type, and sales patterns.

Risk Scoring

Builds a Trust Score from alternative signals — conversational consistency, document quality, repayment history — instead of a CIBIL check.

Repayment Recommendation

Generates a repayment plan calibrated to daily income cycles — not monthly salary schedules. Explained in plain language in the chat.

Your PAN Card

Send a photo of your PAN (Permanent Account Number) card. PAN is issued by India's Income Tax Department and serves as the primary KYC identity document for financial services.

Sole proprietors use their personal PAN — your name is the business name for KYC purposes.
Registered firms, LLPs, or Pvt Ltd companies should provide the business/firm PAN, which is a separate 10-character number issued to the entity.

Live Selfie — Matched to Your PAN

Take a short live selfie via WhatsApp. Hisaab's identity verification checks that your face matches the photo on your PAN card, confirming you are the cardholder and preventing impersonation.

The check is done in real time — the system compares facial geometry against the PAN photo. A static photo of someone else won't pass. This step is required by RBI guidelines for video/image-based KYC (V-CIP).

3 Recent Paid Invoices

Share photos of three recent paid supplier or customer invoices. They must be in the same name as your PAN — either your personal name (sole proprietors) or your registered business name.

These confirm your business is active, show realistic transaction volumes, and give the AI a starting point for estimating your working-capital needs.

Initial Loan Limits

Your first loan is capped based on the invoice history you provide. As you repay and continue sharing bills, your Trust Score grows and your available limit increases automatically.

Starting small is intentional — it protects you from over-borrowing and builds a verifiable repayment track record that unlocks higher amounts over time.