🚀 CreditPilot - AI Powered MSME Credit Intelligence Platform

An AI-driven MSME Financial Health & Credit Assessment Platform

Built for the IDBI Bank Hackathon.

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📌 Overview

CreditPilot is an intelligent credit evaluation platform that helps financial institutions assess MSME loan eligibility using alternative financial indicators, AI-powered risk analysis, document intelligence, and explainable recommendations.

Instead of relying solely on traditional credit history, CreditPilot evaluates business health using revenue, cash flow, digital payment adoption, GST compliance, banking behavior, and multiple financial indicators.

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✨ Features

📄 Smart Document Upload

• Upload PDF, Images, Excel and CSV
• OCR-based text extraction
• Automatic document parsing

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🤖 AI Credit Assessment

• Credit Score Prediction
• Financial Health Evaluation
• Risk Classification
• Loan Recommendation
• Interest Rate Prediction

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📊 Financial Health Card

Automatically generates a professional Financial Health Report including:

• Credit Score
• Risk Level
• Financial Health
• Loan Recommendation
• Strengths
• Weaknesses
• AI Insights

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💬 AI Assistant

Built-in AI assistant capable of:

• Explaining credit scores
• Loan guidance
• MSME financial recommendations
• Policy assistance

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📚 RAG Knowledge Assistant

Supports Retrieval-Augmented Generation (RAG) using uploaded documents.

Examples:

• RBI Circulars
• MSME Policies
• GST Guidelines
• Loan Documents

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📈 Dashboard

Real-time dashboard showing:

• Total Businesses
• Average Credit Score
• Risk Distribution
• Generated Reports

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🏗 Project Architecture

                    Upload Documents
                           │
                           ▼
                    OCR Extraction
                           │
                           ▼
                  Document Parsing
                           │
                           ▼
                Feature Engineering
                           │
                           ▼
                  Credit ML Model
                           │
        ┌────────────┬──────────────┐
        ▼            ▼              ▼
 Financial Health   Fraud     Recommendation
        │            │              │
        └────────────┴──────────────┘
                     │
                     ▼
             AI Explainability
                     │
                     ▼
          Financial Health Card
                     │
                     ▼
              AI Assistant (RAG)

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🛠 Tech Stack

Frontend

• React
• TypeScript
• Vite
• Tailwind CSS

Backend

• FastAPI
• Python
• Pydantic

AI / ML

• Scikit-learn
• FAISS
• Sentence Transformers
• OCR (PyMuPDF)

Database

• PostgreSQL

APIs

• NitroStack AI
• REST APIs

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📂 Project Structure

CreditPilot
│
├── frontend/
│
├── backend/
│   ├── app/
│   │
│   ├── api/
│   ├── services/
│   ├── ai/
│   ├── models/
│   ├── uploads/
│   ├── core/
│   └── main.py
│
└── README.md

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⚙ Installation

Clone

git clone https://github.com/yourusername/CreditPilot.git

cd CreditPilot

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Backend

cd backend

python -m venv venv

source venv/bin/activate

Windows

venv\Scripts\activate

Install

pip install -r requirements.txt

Run

uvicorn app.main:app --reload

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Frontend

cd frontend

npm install

npm run dev

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🔑 Environment Variables

Create a .env

DATABASE_URL=your_database_url

NITRO_API_KEY=your_api_key

NITRO_URL=your_nitro_endpoint

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📡 API Endpoints

Method	Endpoint	Description
POST	/api/upload	Upload Documents
POST	/api/analyze	Credit Analysis
POST	/api/chat	AI Assistant
GET	/api/history	Analysis History
GET	/api/reports	Reports
DELETE	/api/reports/{filename}	Delete Report
GET	/api/health	Health Check

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🚀 Future Enhancements

• Account Aggregator Integration
• GST API Integration
• UPI Transaction Analysis
• EPFO Integration
• Explainable AI Dashboard
• Multi-language Support
• Real-time Credit Monitoring

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👨‍💻 Team

Developed for the IDBI Bank Hackathon.

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📄 License

This project is developed for educational and hackathon purposes.

CreditPilot

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