Life & general insurance
The problem. Surrender, maturity, bonus and premium logic trapped in spreadsheets
and Word specifications. Illustrations produced by one system, the mandatory disclosures around
them governed by another — or by nobody.
What we bring. ValuNova industrialises the calculation with versioning, test
gates and frozen rate snapshots. VisioNova generates the multi-year illustration and governs the
regulated wording that must accompany it, with a compliance engine that applies new rules
prospectively so live documents never break.
NBFCs & lending
The problem. The credit policy lives in documents; the rules that actually
decide files live in software configured months earlier from someone's reading of those documents.
The two drift, and "which rule was this March file decided under?" becomes a reconstruction
project.
What we bring. Yantra makes the written policy and the enforced policy one
governed artefact — named versioned clauses, changes rehearsed against real decided files before
anyone signs, and a receipt for every act. Firms start with a Conformance engagement that needs no
runtime at all.
Alongside it, Ask Tara serves the other half of the problem — branch and
contact-centre staff who need a cited, computed, compliant answer in seconds, in their own
language.
Banking & lending operations
EMI and amortisation schedules, prepayment penalties and foreclosure charges, interest rate cards
versioned by tenor and customer segment, and reward or cash-back rule engines — all with the same
reproducibility requirement and the same tendency to live in spreadsheets.
ValuNova holds the rules under governance and exposes them by API so the core system, the CRM and
the customer app all quote the same number.
Wealth, pensions & distribution
Annuity payouts under different options, pension corpus accumulation projections, tax-adjusted
returns and goal-based planning — where the what-if conversation with a client is the product.
VisioNova adds side-by-side scenario comparison, retention and competitiveness scoring, and
client-ready branded output; ValuNova's What-If module supports the same conversation from the
calculation side.
