KYC document management for lenders and finance teams.
Lenders and finance teams collect the same KYC documents thousands of times, and an inspection can ask for any single borrower's file at any moment. Abscode collects, reads, verifies and files KYC as one record per customer or loan, with sensitive IDs masked and every file inspection-ready.
KYC is high-volume and unforgiving
The same identity, address, income and bank documents are gathered again and again, across branches and channels, and each file has to be complete, verified and retained for years. When a regulator or auditor asks for a specific borrower's file, it has to be produced, complete, on the spot.
Manual collection guarantees gaps: a blurred proof, a missing income document, an expired ID that slipped through. Every gap is a potential finding, and finding the gaps only when an inspector does is the most expensive way to find them.
A guided flow that ends in a verified, inspection-ready file
Documents are captured, read, masked and filed as they arrive, so an incomplete file is caught at collection, not at audit.
Capture from branch or customer
Capture identity, address, income and bank documents at the branch or directly from the customer, on any device, into one guided collection flow.
Extract and check every document
Abscode extracts the key fields and checks each document against its type. Incomplete or wrong files are flagged at capture rather than accepted and discovered at audit.
Mask sensitive identifiers
Sensitive identifiers such as Aadhaar and PAN are masked on view, and the Aadhaar number itself is not stored.
Filed under the record, ready to produce
Everything lives under the customer or loan record, retained to your policy and ready to produce for an inspection with a single lookup.
Beyond one document at a time
Abscode checks the whole file, not just each page, and keeps it current as documents expire.
Check files against the KYC checklist
Abscode can analyse the whole file against your KYC or credit checklist, confirming the required proofs are present, valid and consistent, and flagging what is missing before the file is marked complete. On loan files, the sanction terms and mandatory annexures can be checked against the approved template the same way.
Periodic re-verification, handled
KYC is not one-and-done. Documents expire and files need periodic re-verification. Abscode watches document validity and raises a renewal workflow before a proof lapses, and lets you schedule periodic re-KYC so a book of customers is refreshed on a cycle, not in a scramble before an inspection.
What Abscode keeps for every borrower
Each document is held with the index fields you retrieve and report on, sensitive numbers masked, retained for the period you require.
Identity and address proofs
Aadhaar, PAN, passport, voter ID, driving licence and address proofs, read and verified against their type, with the identifier masked on view.
Income documents
Salary slips, bank statements, ITRs and financials, extracted into the fields you assess and report on, filed under the borrower record.
Bank details
Cancelled cheque, passbook and account proofs, verified and held with the account fields you need for disbursal.
The loan file
Sanction letter, agreement and mandatory annexures, checked against the approved template and kept complete for inspection.
Configurable to your policy
The default flow is a starting point, not a straitjacket. Adjust the KYC checklist, who verifies, control levels, stages, approvers, service levels, masking and retention, without code, so it matches your product and your regulator. See how configuration works →
Why teams choose Abscode for KYC
The same model under every finance process: records, AI extraction, real approvals and usage-based pricing.
Records, not folders
Everything about a customer lives in one record. You retrieve by what a document is about, the person, the loan, the file, not by remembering which folder someone saved it in.
The system does the data entry
Abscode reads each document, extracts the fields that matter and verifies them against the document type. No manual typing, no transposed numbers, no misfiled paper.
Real approval workflows
Maker-checker, review and sign-off are built in, and every action is written to a complete audit trail you can hand to an auditor.
Pay for usage, not per user
Give your whole team access. You pay for what you use, storage, activity, AI, not for a seat count that punishes you for growing.
Built on a platform proven at scale
Abscode DMS is built on a document platform proven at massive scale, billions of records and millions of pages in production.
Built for RBI KYC and AML record-keeping
The workflow is built for the record-keeping and retention expectations around KYC and AML: verified files, masked identifiers, configurable retention and a complete audit trail. It supports your compliance, it is not a substitute for legal advice.
Related finance processes
The same records, AI extraction and approval workflows, shaped to each finance process.
Finance document management
The hub for vendor, KYC, customer and statutory records, all verified, masked and inspection-ready.
See finance use cases →Vendor document management
Every vendor's contracts, KYC and tax documents in one record, with renewals flagged before they lapse.
Know more →Customer document management
Customer records, agreements and correspondence in one place, retrieved by who the document is about.
Know more →Financial records & statutory archive
Balance sheets, GST and statutory documents organised by period, so an inspection becomes a search.
Know more →How configuration works
See how a default flow adapts to your checklist, control levels, stages, approvers and retention, without code.
Know more →Working in lending or accounting?
See how KYC, records and retention come together for lending and NBFCs and accounting and CA firms.