Responsible AI
Built with fairness, interpretability, and transparency at its core to eliminate bias in financial decisions.
TARA AI LabsFrontier AI Lab · Est. 2025
Building the
Future of
Financial Intelligence
TARA Labs is an AI research lab pioneering responsible, compliant, and human-centered models that power credit, risk and financial decisions for India's underserved borrowers.
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BreakthroughFirst public revealTARA / Mentat · LiveFoundation · 33M / 1.5B
Introducing Mentat.
Continuous risk prediction. The end of static decisioning.
TARA is an AI research lab reading the atmosphere of Indian credit — 33M loan accounts, 1.5B repayment events, one foundation model.
Mentat Default risk across every variable of a loanATMO A credit score members can moveLendPro AI Free AI-native LOS / LMS with Mentat inside
Mentat · TARA AI Labs · 2026
For lenders / Why pilot Mentat
Three numbers on your board deck. Mentat moves all three.
Early warning · 3 mo ahead
Pillar · 01GNPA ↓Portfolio credit cost
Catch defaults at the offer stage, not at DPD 60.
Mentat prices default probability at origination — per borrower, per amount — and keeps re-scoring your live book after disbursal. Risk that a static BRE discovers in your NPA report, Mentat flags months earlier, while you can still act on it.
AUC0.84
Decile lift8×
Early warning90d+
Pillar · 02
Conversion up · Ops ₹/file down
Pillar · 03
Collections effort where it counts
System Architecture
Financial Intelligence Graph
User A · Cashflow StreamUser B · Cashflow StreamUser C · Cashflow Stream
↓TARA Intelligence Layer TARA Assistant · Ingestion Node↓🧠 TARA CORE · Engine v2.1
↓ Loan Negotiator · AI Agent
HDFCSBI
Bureau Link · AI Agent
CIBILExperian
KYC Verifier · AI Agent
UIDAIDigiLocker
Research
Research That Powers
Real-World Impact.
Our research transforms into production-ready AI systems that advance financial inclusion.
Coming Soon
ATMO Score Boost API
AI that helps consumers improve credit scores responsibly using cross-bureau analysis.
Coming Soon
TARA Loan Agent
Autonomous agent that helps users access cheapest credit. Discovery to Withdrawal in real-time.
Coming Soon
TARA Personal Finance Manager
AI-powered companion for net-worth tracking, expense management, and financial planning.
Free · Live
LendPro AI
Free, AI-native LOS / LMS for short-term digital loans, with Mentat inside. Live on your brand in under 24 hours.
Redefining Financial Well-Being Through Responsible AI.
We're re-architecting how credit and risk intelligence work — responsibly and transparently. Our mission is to build AI models that don't just measure financial health, but actively improve it.
Credit Empowerment
Turning raw data into actionable financial improvement steps for every user.
Safety & Compliance
Designed to align with India's financial regulations (RBI), DPDP, and global privacy standards.