Axis Finance Launches ‘Drishti’ Digital Platform

India’s financial technology ecosystem witnessed two significant developments in July 2026, with Axis Finance Limited (AFL) launching its in-house digital credit decision platform, ‘Axis Finance Drishti’, and OmniCard introducing India’s first Flexi Benefits Basket on UPI. These initiatives aim to improve lending efficiency, strengthen risk management, and simplify employee benefit management through digital innovation.

Axis Finance Launches ‘Drishti’ Digital Platform for Smarter Lending

Axis Finance Limited (AFL), a wholly owned subsidiary of Axis Bank, has launched ‘Axis Finance Drishti’, an in-house Business Rules Engine (BRE) and configurable digital platform designed to strengthen credit decision-making across retail and Micro, Small and Medium Enterprise (MSME) lending.

The platform has been developed to enable faster, data-driven, and scalable credit assessments, while enhancing customer experience and improving operational efficiency.

Key Highlights of Axis Finance Drishti

• Developed as an in-house Business Rules Engine (BRE).
• Automates and standardizes credit decision-making using advanced analytics and underwriting workflows.
• Uses statistical scorecards and multiple data sources for accurate risk assessment.
• Supports real-time decision-making and Straight-Through Processing (STP).
• Designed to improve lending speed, consistency, and overall risk management.

Phase-I Rollout

In its first phase, the platform has been implemented across:

• Personal Loans
• Business Loans
• Loan Against Property (LAP)
• Disha Home Loans

This rollout enables quicker loan processing while ensuring policy-driven and data-backed credit decisions.

About Axis Finance Limited (AFL)

• Type: Non-Banking Financial Company (NBFC)
• Category: Non-deposit-taking NBFC
• Parent Company: Axis Bank
• Incorporated: 1995
• Headquarters: Mumbai, Maharashtra