01
Data foundation
A single, consistent base built from the data your systems already produce.
- Data ingestion
- Data cleaning
- Data standardization
- Data quality checks
- Data lake or warehouse design
- Historical data consolidation
Data & analytics for financial institutions
The data layer behind better financial decisions
Karmodyne helps banking-software providers and financial institutions organize operational data, build useful analytics and make complex information easier to query.
- Source systems
- Data foundation
- Analytics
- Answers
What Karmodyne does
Three layers, one governed view
Built from the data your systems already produce. No change to how those systems work.
02
Analytics layer
Governed metrics and reporting your teams can rely on day to day.
- Dashboards
- Management reporting
- Loan and recovery analytics
- Branch analytics
- Compliance analytics
- Exception monitoring
- Forecasting
03
Question interface
Ask in plain language over approved data. Answers carry their own definitions.
- Ask direct questions over approved data
- Receive answers with period and metric definition
- Drill into the result
- Preserve access controls and auditability
Who it’s for
Two audiences, one data foundation
The same platform serves the teams that build banking software and the institutions that run on it.
For banking-software providers
Give product and support teams visibility into migrations, adoption and platform health.
- Migration-quality checks
- Data reconciliation
- Product and module adoption
- Support analytics
- Platform health
- Implementation tracking
- White-label analytics for their customers
For financial institutions
Turn lending, branch and compliance operations into clear, defensible reporting.
- Loan recovery
- Overdue and NPA monitoring
- Branch performance
- Deposit trends
- CKYC and AML exceptions
- Digital-channel usage
- Audit tracking
- Board and management reporting
Data foundation architecture
From source system to business metric
1
Source systems
Core, lending, channels, files
2
Data ingestion
Batch and scheduled loads
3
Data lake or warehouse
Cleaned, standardized, historic
4
Semantic layer
Governed metric definitions
5
Dashboards & question interface
Reporting and natural-language access
Reliable analytics starts with consistent data definitions, governed access and a clear path from source data to business metric.
Example analytics view
A management view, built to be used
A static preview of the kind of view a pilot could produce from one connected source.
Total deposits
₹4,820 Cr
+6.2% QoQ
Total advances
₹3,145 Cr
+3.1% QoQ
Recovery rate
78.4%
+1.8 pts
Overdue loans
₹268 Cr
−4.5% QoQ
Gross NPA
3.9%
−0.3 pts
Active digital users
412,600
+9.4% QoQ
Deposit growth
AprJunAugOctDecFebMar
Overdue ageing
1121–30d
7231–60d
4861–90d
3690d+
CKYC exceptions
Pending128
Missing64
Expired22
Resolved342
Branch performance
| Branch | Advances | Overdue | Recovery % | Gross NPA % |
|---|---|---|---|---|
| Branch 01 | 610 | 34 | 86.0 | 2.8 |
| Branch 02 | 540 | 29 | 81.0 | 3.1 |
| Branch 03 | 470 | 52 | 74.0 | 4.6 |
| Branch 04 | 505 | 31 | 79.0 | 3.4 |
| Branch 05 | 430 | 68 | 68.0 | 5.9 |
| Branch 06 | 590 | 54 | 72.0 | 4.2 |
| All branches | 3,145 | 268 | 78.4 | 3.9 |
Digital-channel usage
Mobile58
Internet24
Branch12
ATM6
Question interface
Ask a question. Check the evidence. Take action.
A controlled interface over governed data, not an open assistant. Every answer names the metric, the period and the source behind it.
-
1
Ask
Put a question in plain language against approved data.
-
2
Check
Read the metric definition, period and source before you use the number.
-
3
Act
Drill into the result and take it into a report or a decision.
Question
Which branches had the largest increase in overdue loans this quarter?
Answer
Branches 03 and 06 recorded the largest increase in overdue loans during the current quarter.
- Metric
- Overdue loans — outstanding principal past due date
- Period
- Current quarter (Q3)
- Source
- Loan and recovery analytics
- Drill-down
- Available by branch and overdue bucket
Answers are generated from approved metrics and authorized data sources.
Use cases
Four places to start
Each use case begins with a business question, the data required to answer it, and the output management will use.
01
Credit and recovery
- Business question
- Where is the book ageing, and which accounts are slipping?
- Data needed
- Loan master, repayment schedule, overdue buckets, recovery receipts
- Practical output
- Overdue ageing, recovery by branch, NPA early warnings
02
Compliance and audit
- Business question
- Which KYC and audit items are open, and for how long?
- Data needed
- CKYC records, AML flags, audit observations, action logs
- Practical output
- Exception register, ageing of open items, closure tracking
03
Branch and digital channels
- Business question
- How do branches and channels compare, and where are transactions failing?
- Data needed
- Branch ledgers, deposit balances, channel logs, failure reasons
- Practical output
- Branch comparison, deposit trends, channel usage, failed-transaction view
04
Software-provider operations
- Business question
- How healthy are migrations, support and module adoption?
- Data needed
- Migration logs, reconciliation output, support tickets, module usage
- Practical output
- Migration-quality checks, support patterns, module adoption, platform health
Every pilot can use the same data foundation, semantic model and question interface.
Data ownership & security
Your data stays yours
Karmodyne is built to fit the governance and hosting requirements of financial organizations, with access controlled by role.
- The institution owns its customer data. Karmodyne does not sell customer data.
- Each customer receives a segregated analytics environment.
- Access is role-based and need-to-know.
- Data can be hosted according to customer requirements.
- Production integrations require formal security and governance review.
Get started
Begin with one operational question
We help you connect the relevant data, define the metric and build a focused first view that management can use.
Email us about a pilotOr write to abhishek@karmodyne.com