Gridlines By OnGrid Transforms SME Credit Risk Screening

In a credit environment where underwriting small businesses remains a persistent challenge, Gridlines by OnGrid is redefining portfolio risk screening for SME lenders. Powered by India’s most comprehensive intelligence layer spanning 40 million+ MSMEs across GST, Udyam, and MCA datasets, Gridlines enables institutions to make faster, sharper, and more responsible credit decisions.

Through its KYB and business‑risk APIs, lenders gain a 360° view within seconds, analyzing real‑time filing behavior, compliance history, promoter linkages, MCA red flags, and registration status. This multi‑source fusion has already empowered institutions to flag and filter 10-15% of entities during due diligence, preventing exposure to dormant businesses or ownership changes.

“SME credit underwriting has long been constrained by fragmented data and manual checks,” said Vaibhav Yadav, Head of Product at Gridlines by OnGrid. “By fusing GST, Udyam, and MCA intelligence into a single dynamic layer, we’re enabling lenders to move from reactive checks to proactive monitoring, building cleaner portfolios and more predictable outcomes.”

What once took days of manual mapping is now automated via Gridlines’ dynamic screening engine. With continuous monitoring, lenders are shifting from static onboarding checks to proactive risk alerts—spotting filing drops, director exits, PAN‑GST mismatches, or sudden classification changes and filing lapses before they escalate into defaults.

As MSME lending expands across NBFCs, banks, and digital platforms, Gridlines’ real‑time enterprise intelligence is setting a new benchmark for responsible SME credit underwriting in India.