A lakhs-of-rupees problem solved in 10 minutes.
In manufacturing and trading hubs like Kanpur, Surat, and Ludhiana, business runs on credit. Goods worth lakhs move on 30, 60, or 90-day credit terms every single day. But while banks can instantly pull CIBIL commercial records before lending ₹50,000, ordinary suppliers cannot.
Under the Credit Information Companies (Regulation) Act, 2005 (CICRA), commercial credit bureau files are strictly restricted to financial institutions. Suppliers shipping ₹5–10 lakh consignments are left relying on word-of-mouth, vague market rumors, or gut feeling.
The Realization: Keshav Gupta and Arjun Garg realized that while commercial bureau data was locked away, India's public registers—specifically the GST filing index and eCourts litigation records—contained massive, untapped signals. A firm that stopped filing GST returns 4 months ago or has multiple Section 138 cheque-bounce suits pending in court is already in distress—long before they default on their next supplier.
The Solution: We created Parakh: send one GSTIN on WhatsApp, and get back a human-reviewed, 1-page report the exact same day for ₹200. No accounts, no subscriptions, no black-box scores—just verified public facts.
