Product platforms
Five in-house products for regulated industries. Configuration-driven where the business needs to move fast, deterministic where the regulator needs certainty.
Yantra — one governed rulebook for regulated lending, now in development
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We build the systems that make regulated numbers, words and workflows provable.
Data Equity is a product engineering and applied AI company. We ship platforms that replace spreadsheets, Word specs and disconnected tooling with governed, versioned, auditable software — and we consult with startups, NBFCs and financial-services teams building their own.
2017Incorporated in Gurugram, Haryana, India
5In-house platforms — four shipping, one in build
BFSIInsurance, banking, lending and NBFC domain depth
30+ yrsArchitecture experience leading engagements
What we do
Two things, done properly
We are a product company that consults, not a consultancy that occasionally ships. Everything we advise on, we have already had to build, operate and defend to an auditor.
Applied AI consulting
Strategy through production for startups and NBFCs — where AI belongs in the system, where it absolutely does not, and how to prove the difference.
Governance as a feature
Versioning, approval gates, frozen snapshots, immutable audit. Not compliance theatre — the mechanics that let you reproduce a number or a document years later.
Our platforms
Five products, one philosophy
Business owns the rules. Engineering owns the platform. Every change is versioned, tested, approved and reproducible — and AI assists the humans rather than replacing their judgement.
VN
Live
ValuNova
Calculation platform
A configuration-driven calculation engine. Business users author, version, test, approve and operate complex numerical logic — surrender values, maturity, bonus, EMI, commissions — without a code release.
- Four field types: Input, Formula (NCalc), Rate-table lookup and runtime-compiled C#
- Frozen rate snapshots so historical calculations reproduce byte-for-byte
- Draft → Testing → Active lifecycle with mandatory test-case quality gates
- Bulk Excel runs on Hangfire with live SignalR progress; What-If scenario analysis
Insurance · Banking · Incentives
Explore ValuNova
VS
Live
VisioNova
Illustration & compliance
A multi-tenant platform that unites the two halves most insurers keep apart: the illustration engine that produces the numbers, and the content system that governs the regulated words printed beside them.
- Multi-year projections from configurable templates and versioned, snapshotted rate tables
- CCMS: reusable content blocks with hierarchy, inheritance and override control
- Rule-based Compliance Engine — prospective rules, impact assessment, exemption workflow
- Immutable audit ledger, ABAC, anomaly detection and modular per-tenant licensing
Carriers · Brokers · Wealth
Explore VisioNova
LV
Live
LinkVault Pro
Document generation & delivery
Five tools organisations normally buy separately, in one tenant-isolated platform: document generation, web forms, secure link delivery, recipient intelligence and e-signature.
- TemplatePro — one template plus a spreadsheet becomes thousands of personalised documents
- Branded delivery on your own domains with automatic Let's Encrypt SSL
- Email, SMS and WhatsApp from a single workflow, with India DLT/TRAI fields
- Public verification pages, LinkedIn credentials, DocuSign e-signature and an OTP portal
Education · BFSI · HR · Events
Explore LinkVault Pro
AT
Live
Ask Tara
Enterprise assistant
An assistant that answers from your own knowledge with a citation on every response, computes figures deterministically rather than generating them, and declines when there is no reliable source.
- FAQ fast-path returns approved wording verbatim — no AI rewording
- Rules engine computes eligibility and limits; the model presents, never calculates
- English plus eight Indian languages, with curated compliance phrasing and voice
- Two-person approval, audit and rollback on every regulated change — no release needed
NBFC · Insurance · Enterprise
Explore Ask Tara
YT
In build
Yantra
Agentic workflow governance
A regulated lender runs on two versions of its own rules — one written, one enforced. Yantra makes them the same artefact, so there is no window in which they can diverge.
- Every rule a named, versioned clause with an owner and a dated act of adoption
- Changes rehearsed against real decided files before anyone signs
- One append-only register — a receipt naming exactly which rule versions each act saw
- AI proposes and never decides; sanction and disbursal stay human acts, permanently
NBFC · Insurance · Banks
Explore Yantra
AI consulting
We have already made the mistakes you are about to.
Five platforms with AI in production taught us where a language model earns its place — and the far longer list of places it must never sit. We bring that to startups finding product-market fit and to NBFCs and lenders who have to answer to a regulator.
- Startups. AI opportunity mapping, architecture for a first credible AI feature, evaluation harnesses, and a build plan a small team can actually execute.
- NBFCs & lenders. Document intelligence, credit and origination workflow, model governance, and the audit trail that makes an RBI conversation short.
- Engineering teams. RAG and agent architecture, prompt and cost governance, PII anonymisation, quota and caching design, human-in-the-loop patterns.
Our position on AI
AI drafts
formulas, test cases, content, translations, candidate rules
↓
Deterministic checks run
schema validation · rules linter · type checking · impact analysis
↓
A named human approves
versioned, attributed, recorded in the audit ledger
↓
Deterministic runtime executes
no LLM in the critical path · replayable · reproducible
Co-pilot, not autopilot. It removes the tedium from expert work; it never becomes the expert.
How we work
Honest scope, provable delivery
The habits that show up in every product brief we write and every engagement we take.
Ship the wedge first
One process, one product line, proven end to end — before anything is called a platform.
State what it is not
Every product brief we write has a scope section listing what the system deliberately does not do.
Configuration over release
Rate changes and rule revisions should be a governed config change, not a developer sprint.
Reproducible by design
Frozen snapshots, immutable ledgers and version history so any output can be explained years later.
Where we work
Built for industries that have to explain themselves
| Sector | The problem we keep meeting | What we bring |
|---|---|---|
| Life & general insurance | Surrender, maturity and bonus logic trapped in spreadsheets; illustrations disconnected from disclosures. | ValuNova · VisioNova |
| NBFCs & lending | The credit policy the committee approved and the rules the systems actually enforce are two different things, and nobody can prove which one decided a given file. | Yantra · AI consulting |
| Banking & wealth | EMI, amortisation, annuity and reward logic versioned by tenor and segment across scattered tooling. | ValuNova · VisioNova |
| Enterprise knowledge & service desk | Thousands of employees asking policy, product and process questions that get inconsistent — and unciteable — answers. | Ask Tara |
| Education & training | Bulk certificates and transcripts with no verification story and no delivery analytics. | LinkVault Pro |
| HR & professional services | Offer letters, payslips and experience certificates issued manually and impossible to verify later. | LinkVault Pro |
| Startups & platform companies | An AI feature that demos beautifully and fails in production, with no evaluation and no cost ceiling. | AI consulting · APIs |
Partners
Our platforms reach further than we do
We work with reseller and implementation partners who take Data Equity platforms to their own markets — handling configuration, onboarding and first-line support alongside their existing services.
Expnovateur
Takes our platforms to market, delivers configuration and onboarding, and supports their own client base directly — with our engineering behind them.
Next step
Bring us a calculation, a document, or a process you cannot defend.
A working demonstration against your own data, or a discovery workshop that maps two or three of your current pain points onto a platform. Both start with the same conversation.