Agencies & Banks

Refinance, loan books and agency procurement, examined end to end

Development finance bodies, research organisations and public sector banks disburse against documents. NIRNAE reads the resulting ledger and shows where the money did not behave as declared.

9
Agents run in a single pass, cross-corroborating
08
Distinct malpractice classes screened before ranking
100%
Entries traceable to source transactions

Audit mandates

Where the engine is applied

Each mandate is examined against records the institution already produces — no new reporting is imposed on the field.

Loan book review

Borrowers linked by shared identifiers, funds returning to an originating entity, and end-use inconsistent with the sanctioned purpose.

Refinance utilisation

Onward lending that never reached the declared beneficiary class, and repeat intermediaries capturing the spread.

Research and defence procurement

Single-source awards below tender thresholds and suppliers incorporated shortly before a large order.

Subsidised credit schemes

Beneficiaries appearing across multiple schemes and branches under near-identical particulars.

Vendor empanelment integrity

Empanelled firms sharing directors, addresses or bank accounts across supposedly independent panels.

Internal audit support

A severity-ranked brief the internal audit wing can act on without building any new reporting.

Records examined

What you send us

Standard exports. A date, an amount and a payee identifier per row is enough to begin; every additional column unlocks further tests.

  • 01Disbursement and repayment ledgers
  • 02Borrower and vendor masters
  • 03End-use certificates
  • 04Purchase and award registers
  • 05Branch-wise scheme statements
  • 06Empanelment records

Disclosure

Operating boundary. NIRNAE holds no live access to treasury, PFMS, banking or departmental systems. The department exports the records it wants examined and submits them. The product is in pre-deployment: engagements today are supervised pilots on exported or anonymised datasets, and every finding is an indicator for verification, not a determination. Full answers in the FAQ.

Interested?

Leave a departmental email and we will arrange a briefing on a sample dataset.

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