The document summarizes inefficiencies in the BFSI ecosystem like manual processes, high turnaround times, costs and frauds. It notes that credit card penetration and mutual fund penetration in India significantly trail peers. Non-performing assets of over $150B pose systemic risk, while frauds of over $10B in 2019 were reported. Data is also scattered and not easily accessible. Karza provides a one stop digitization, verification and diligence solution through its various products like K:TotalKYC, K:Scan and K:Lookup to help address these issues through integrated intelligence and instant access to over 820 million entity profiles compiled from 750+ sources. The suite is aimed at revolutionizing customer experience, elevating

1. Enabling Decisions

2. Inefficiencies in BFSI Ecosystem
Traditional organisations have limitations that make them slow, inefficient &
unable to meet rising demand
Manual Process of on-boarding
High TAT, huge operational costs & frauds
restrict penetration of financial services
At 12.2% Consumer Credit AUM to GDP Ratio
& 11% Mutual Funds AUM to GDP Ratio, India
significantly lags behind its peers
Less than 40M credit card customers
Regulatory pressure and compliance
requirements are mounting with rise in
frauds, bad loans and defaults
NPAs over $150B have a systemic risk on
the Indian economy
Frauds over $10B in 2019 alone were
recorded by the RBI
Scattered and Unstructured Data
Data is scattered across the web and
not available in a consumable,
intelligent manner
Multiple licensing requirements, high
requirements of statutory & compliance
filings, several state level regulatory
bodies, regional language portals
indicates fragmented data
Regulatory Pressures

3. Karza - One stop solution for Digitization,
Verification and Diligence Needs!
Unparalleled Intelligence & Instant Access: 10X more businesses(20M+) profiled than all existing players
Singular Gateway to 820
Million+ Entities and Business
associations profile
Integrated with 750 + digital public sources
& Alerts on 150+ Negative Lists
Instant Access to
1 Billion+ records compiled
through 750+ public sources
6 Million+ records processed everyday to
profile business and entities within seconds
6 M+
1 B+
820 M+
750+

4. Karza Promise
Revolutionize customer experience
Integrated intelligence revolutionizes the customer experience by
enabling friction less process and instant decisions.
Elevate Risk and Compliance Measures
With enhanced diligence and credit intelligence through 750+ alternate
data sources, Karza makes the risk, credit and compliance functions even
more robust
Reduce operational overheads
Thoroughly digital delivery of solutions reduces operational overheads
and turn around time while assessing profiles and consolidating multiple
solutions in one place
Access to wider markets
Through wider coverage of intelligence, Karza opens up 10x opportunity
for institutions to on-board 800+ million businesses and individuals.
New Age Alternate Bureau
integrating scattered public
information to deliver insights and
intelligence digitally and elevating
the whole organization across
Business Development, Risk, Credit,
Operations and Collections.

5. K:TotalKYC
Digital on-boarding and risk
assessment platform
K:Lookup
Digital skip tracing and
recovery assistant
K:Scan
Most comprehensive due
diligence platform
Karza’s Product Suite
AI and ML powered backbone of every stage of a transaction – from on-boarding to monitoring
K:Watch
Portfolio monitoring for Early
Warnings and Alerts
K:Litigation
Comprehensive Legal Analysis
Platform
5

6. +
The Product Story
On an Application /
Website I
KARZA STITCHED
PROFILE USING AI,
ML, NLP TOOLS
Interdependent Intelligence Platforms
Digital On-boarding, Underwriting and Holistic Diligence
Customer
On-boarding
Due
Diligence
Sanction &
Disbursal
Monitoring Recovery
KYC Verification
Form Auto-filled
VideoKYC
Discover
Bank A/C
verification
eSign
Disbursal &
eNach/eMandate
Suite (WIP)
Risk
Management
&
Fraud Analytics
EWS systems
Collections
Management
K:TOTALKYC K:TOTALKYC + K:SCAN K:LOOKUP
K:WATCH
Karza offers solutions at every step of the customer journey & elevates Customer Experience
Employment Checks
Income – ITR/GST
Banking Analytics (WIP)
Negative Lists,
Compliance, Litigation,
Related Party Checks

7. TotalKYC
Automation &
Auto filing
Verification and Risk
Management
Amazon Award Winner
State-of-the-Art Analytics Suite
AI enabled Face Match,
Name Match and
Address Match algorithms
RBI and SEBI - Regulatory
Compliant VideoKYC
OVD Verification
Liveliness Check
Lat-long Check
Individual KYC Employment
Verification Suite
POI & POA APIs, Employment &
Employer Verification, ITR, Form 16,
EPFO, ESIC
Business KYC Verification
Suite
POI & POA APIs, Statutory
Filing Status, GST & ITR
Analytics, Related Party Info
The K:TotalKYC Product Suite consists of 100+ Micro APIs solving Diverse Use Cases
including Flagship products like
Regulatory
Compliance
The K:Total KYC Product
Suite meets one of
these 3 functions
Ensures seamless remote on-boarding, enhanced customer experience and prudent risk management for Individuals and Businesses

8. Customized Risk Score thresholds to conclude complete identity profiling on a single dashboard
TotalKYC suite- KDISCOVER
Rule engine-based risk scoring platform used by Fraud & Risk Control Units of BFSI
• Oneof its kind Unified offering to
risk-score an application for all
KYC relatedverification
• Inter-linkage of several
databases to verify identity,
address,employment
• Confidence Score (Match %) for
each input culminating into an
overall Risk Score
• First Step towards launching
K:Score

9. KScan®
The most comprehensive platform to assess, monitor and safeguard from all counter-party risks
Exhaustive
Database
1 Billion+ records
processed
Ownership
Information
Automated information on
SBO and UBO available.
Alerts
Advanced analytics run
on 200 negative lists
Shell Entity
Identification
98.5% accuracy
achieved
Negative
News
Near real-time
monitoring
Singular Gateway for comprehensive
profiling of 20M+ entities established
basis 750+ public sources like MCA,
GST, NCLT, Wilful defaulters list,
credit rating agencies, etc.
Periodic refreshing of the entire
information set to ensure
near-real time information
Risks are classified into statutory
compliance, credit and banking
risks and further categorized into
low medium and high risks to aid in
defaulters identification

10. Enhancing the SME underwriting capabilities of banks and financial institutions
Processes and screens businesses in less than 30 seconds!
KScan Suite - KGST & KITR
Intelligence on businesses
basis profiles and detailed
consent driven reports
obtained for GST registered
entities
Verification on the
financial antecedents
of individuals & entities
who have
filed IT returns
Tracks GST returns
filing status
K:GST & K:ITR Insights are available as machine readable extracts to power BRE
KGST - 8M GST filing entities Covered KITR - 68M ITR filing entities Covered
Provides Credible financial
insights for underwriting
Fraud analytics incl. related
party / cyclical / fake
invoicing transactions
In-depth business insights on
customer-wise, product-wise &
supplier-wise data
Consolidation of GST + ITR
data to simulate
YTD Financials

11. KLookup
A one-of-a-kind skip-tracing and asset-tracing solution
Assists Banks & FIs in tracing non-contactable defaulters & identifying undisclosed assets
Unique Address and
Contact Records
Utility Bill
Records
PropertyRegistration
Records

12. Built by Domain & Technology Experts
Karza is the largest data, analytics, automation and decisioning solution provider to BFSI, catering to the entire transaction lifecycle from
onboarding to diligence & monitoring to collections. Karza solutions enable systemic fraud prevention, risk management, compliance &
automation through superior data engineering and deep tech applications.
12
Co-Founder, CTO
IIT KGP, Ex-Morgan Stanley
Alok Kumar
Co-Founder, CBO
CA, CFA, FRM, Serial Entrepreneur
Gaurav Samdaria
Co-Founder, CEO
CA, Ex-EY Investigations
Omkar Shirhatti
The Founders:
Recognized by
Fortune 40 Under 40
Extensive experience across
fraud investigations and AI &
ML technology
3000+ Cr
Frauds averted
100+
Live Products
70%
Time saved through digitization
20%
Collections Boosted

13. Achievements
Top Startup to work for in
2019 by LinkedIn
Recognized by the Industry Leaders
100+
Live Products
200+
Live Clients
20 M+
Monthly Transactions
Plug-and Play Solutions
2 Bn+
Records Processed
Best AI in Fintech 2019
Accelerated by Yes Bank,
ICICI Bank, Axis Bank and
Viacom18
NASSCOM AI
Gamechangers Awards
program 2021 - Challengers
IAMAI's India Digital Awards -
Most Innovative RegTech
Solution
Maharashtra Start-up Week
Fintech Award 2021 : Top 20
HDFC Digital Innovation Award
2020
Technoviti Super Awards 2019
Fintech Valley Vizag Award 2020

14. Our Clients
200+ Clients
With widest coverage of
industries and use cases
across Banking, Lending,
Payments, Insurance,
Investments and Commerce
14
Traditional BFSI New Age Fintech & Payments Commerce & Corporates

15. www.karza.in +91 981 980 2177
CONTACT US
info@karza.in CoWrks, Birla Centurion, Worli,
Mumbai