Co-Applicant Onboarding Agent AI

Invoked when: a joint application is received in the LOS with a co-applicant or guarantor named

• –Initiates the co-applicant KYC collection workflow in parallel with the primary applicant's KYC — sending the co-applicant an onboarding link that requests the same identity (Aadhaar, PAN), address (Aadhaar or utility bill), and income documentation (salary slips, ITR, or bank statement) that the primary applicant provides. Parallel processing is critical — sequential KYC (primary first, co-applicant second) adds 2–5 days to the application timeline for no credit risk benefit. The co-applicant receives their onboarding link within 2 hours of the joint application being received.
• –Validates each co-applicant document through the KYC Verification Agent AI — the same identity verification, face match, and liveness check process applied to primary applicants. Co-applicants who fail the KYC verification are flagged immediately with the specific failure reason; the application is placed on hold pending resolution of the co-applicant's KYC status. A co-applicant who cannot be KYC-verified cannot be included in the application under RBI KYC norms regardless of the primary applicant's verification status.
• –Pulls the co-applicant's bureau report in parallel with the primary applicant's bureau check — ensuring that the credit team receives both bureau reports simultaneously rather than sequentially. The co-applicant bureau report is passed to the Credit Decision Agent AI as part of the joint credit assessment; it is not used by this agent to make any credit judgment.

Invoked when: a guarantor is added to a new or existing application

• –Collects guarantor identity, address, and financial documents through a guarantor-specific onboarding flow — structured to the RBI's guarantor KYC requirements, which differ from the primary applicant requirements in that the guarantor's income documentation establishes the capacity to service the loan in the event of borrower default, not the capacity to service it as a primary income earner. The guarantor's income documentation standard is therefore assessed against a different threshold than the primary applicant's.
• –Documents the guarantor's understanding of their obligation — the guarantor declaration that confirms the guarantor has understood the nature and extent of their liability before providing the guarantee. The guarantor declaration is a regulatory requirement under the Fair Practices Code; a guarantee provided without a documented declaration of understanding is invalid and creates both credit and regulatory risk.
• –Links the guarantor record to the application and to the primary borrower's profile — ensuring that if the borrower applies for a future product, the underwriter is aware that this borrower has an existing guarantor relationship and can assess its implications for the new application.

Invoked when: co-applicant KYC is complete — relationship map is assembled and income claims are cross-checked before the application proceeds to credit assessment

• –Documents the relationship between the primary borrower and the co-applicant — spouse, parent, sibling, business partner, or other — and the basis on which the co-applicant's income is being included in the joint assessment. The relationship type affects the credit assessment: a spouse co-applicant's income is typically treated as a household income contribution; a business partner co-applicant's income requires additional documentation of the business relationship. The relationship type is documented in the application file and presented to the credit underwriter alongside the co-applicant's KYC.
• –Cross-references the co-applicant's stated income against their bureau data — checking whether the credit obligations reflected in the bureau report are consistent with the income level the co-applicant has declared. A co-applicant declaring a monthly income of ₹1.5 lakh but with existing EMI obligations totalling ₹80,000 per month has a net income for credit assessment purposes of ₹70,000, not ₹1.5 lakh. Income discrepancies above 30% between the stated income and the bureau-implied income capacity are flagged for the underwriter's review.
• –Checks for mismatched information between the primary borrower and co-applicant applications — address discrepancies that contradict the stated relationship (a spouse who claims to live at a different address), inconsistent income declarations (primary borrower and co-applicant who claim to be co-directors of the same company but declare different company revenues), or KYC document inconsistencies. Mismatches are flagged to the Fraud Detection Agent AI for assessment before the application proceeds.