Agent infrastructure
for India's lending system.
Aryabhatta Labs builds two products on one agent stack.Origin8 — an autonomous origination workforce, lead generation across 12 retail + SME products, and WhatsApp-native customer onboarding for India's largest lenders.Litehouse — the AI-native lending operating system for India's longest tail of HFCs and NBFCs.
From a Top-5 bank's CBO renting an agent swarm by the disbursal, to a ₹400 Cr HFC chairman deploying our open-source operating system on his own RTX 6000 Ada — same agent fabric, same legal corpus, same 48-profile underwriting engine. End-to-end coverage of India's lending market.
India's lending market
has two ends.
The top — 25 large lenders — buys outcomes. The long tail — ~200 small HFCs and NBFCs plus another ~150 MFI/gold/vehicle finance NBFCs — needs sovereignty.
We sell to both. On one stack.
Origin8
Origination workforce + lead generation + WhatsApp onboarding.
- 22production agents (15 origination + 7 lead-gen)
- ·Lead generation across 12 retail + SME products
- ·WhatsApp-native customer onboarding · 12 languages
- ·Disbursal-linked pricing
L1 0.75% · L2 1.75% · L3 2.50%
Built for the CBO with a number to hit this quarter.
Litehouse
AI-native lending operating system.
- 3Aryabhatta agents (CAM · Analytics · Legal)
- ·On-prem / air-gappable
- ·Open-core, four tiers
Community → Supported → Managed → Enterprise - ·~200 small / mid HFCs & NBFCs
Built for the chairman who survived IL&FS and DHFL.
Lead generation.
WhatsApp onboarding.
Origin8 doesn't just originate — it generates. Seven lead-gen agents source intent across India's digital surface, eligibility-filter against bureau + AA, and route to a vernacular-native WhatsApp onboarding flow. Twelve banking products. Twelve languages. End to end on WhatsApp.
Read the full Origin8 page- L01Audience Sourcing
Intent across search · ONDC · marketplaces
- L02Eligibility Filter
Bureau + AA + Udyam + GST cross-match
- L03Channel Router
WhatsApp / IVR / Web / Mitra
- L04Outreach Composer
Vernacular templates · compliance-vetted
- L05Conversion Sequencer
Multi-touch · drop-off recovery via Mitra
- L06Quality Scorer
Origin8 Lead Score™ · disbursal-likelihood
- L07Compliance Watchdog
RBI DLG · CLA · DPDP Consent Manager
Numbers, labelled honestly.
Origin8 figures are from the live pilot data set. Litehouse figures are from the Agrim pilot phase plan and modelled TCO comparisons. Every claim on this site is labelled — verified, design intent, or pre-seed projection.
| PROOF | ORIGIN8 | LITEHOUSE |
|---|---|---|
| Per ₹100 Cr disbursed | +18% conversion vs in-house · –22% TAT · 12 banking products · WhatsApp onboarding | n/a |
| Per-HFC TCO over 3 yrs | n/a | Litehouse Managed (₹50L ACV) vs horizontal stack (~₹2.4 Cr): 78% lower TCO |
| FY27 deployment target | 6 banks + 12 mid HFCs / NBFCs | 40 small HFCs / NBFCs |
Six tailwinds. All converging.
Indian lending is at a once-in-a-generation infrastructure moment. ULI, AA, DPDP, FREE-AI, MCP, and open-weight models — all moving in the same direction, at the same time.
ULI
Unified Lending Interface at 136+ data services (Public Tech Platform for Frictionless Credit) — surrogate-income underwriting at population scale.
Account Aggregator
Framework with 100+ FIPs, billions of consents, deep BFSI penetration.
DPDP Act 2023 + Rules 2025
Notified 14 Nov 2025 — Consent Manager regime live; ₹2 Cr net-worth bar; 7-year consent retention; SDF DPIA/audit obligations.
Lenders running cloud-LLM stacks face structural compliance retrofit. Lenders on Litehouse comply by construction.
RBI FREE-AI
Released 13 Aug 2025 — seven sutras, six pillars, 26 recommendations, board-approved AI policy mandate. Both products map to FREE-AI as the regulatory backbone.
MCP standardised
Donated to Linux Foundation AAIF (Dec 2025). >10,000 active public servers. ~97M monthly SDK downloads. The interoperability layer is settled — agents can be portable.
Open-weight at parity
Qwen 3 32B (66.8% GPQA), Llama 3.3 70B Instruct (86% MMLU), Mistral fine-tunes for legal/financial extraction. On-prem inference is now economically viable.
Same agent fabric.
Same corpus.
Two go-to-markets because India's lending market has two ends — and we serve both. The shared infrastructure layer compounds across products.
Eight years of underwriting.
Malcolm Athaide — board director at Agrim Housing Finance. Co-built ATOM LOS that took Agrim from ₹117 Cr AUM (Mar 2023) to ₹314 Cr (Jun 2024). Co-built “Aryabhata Systems” — the ML platform Agrim still operates.
“For eight years I underwrote auto-rickshaw owners, kirana shopkeepers, dairy operators, weavers, tailors, and gig workers in semi-urban India. I lived through the file walks, the IT inspections, the CARE ratings calls, the back-to-back funding negotiations.Origin8 is what I wished existed when I was sourcing for a bank partner. Litehouse is what I wished existed when I was the small HFC trying to deploy AI without giving my borrower data to a US-hosted LLM API.”
We don't sell software.
We operate the rails.
Aryabhatta Labs operates the agent infrastructure on which Indian credit moves — from the Top-5 bank renting a swarm by the disbursal to the ₹400 Cr HFC running on its own RTX 6000 Ada.