About Field Credit Investigation
Credit Investigators examine the credit history of applicants for financial institutions. They scrutinize the information provided by the customer in the loan application, researching past payment records, pulling credit reports, and calculating loan-to-income ratios to determine whether or not to approve the loan.
At IP Singh & Associates, our trained field investigators conduct thorough on-ground verification across Delhi-NCR and surrounding regions. We provide accurate, unbiased, and timely FCI and RCU (Risk Containment Unit) reports that enable financial institutions to make well-informed lending decisions and mitigate credit risk effectively.
- For all financial institutions, it is very important to ascertain that their customer is authentic and honest in sharing their details
- We provide support to our clients in the same endeavour
- We provide verification of residence points to verify the current residential status of the customer
- We provide verification of office points to verify the current working status of the customer
- All this helps our client to make sure that the information shared by their customers is true and authentic
Our Investigation Standards
- Trained and experienced field investigators with local knowledge
- Strict data confidentiality and report integrity protocols
- TAT (Turnaround Time) commitments as per lender SLAs
- Photographic and documentary evidence for every verification
- Digital report submission via lender portals or email
Field Credit Investigation
- Residence Verification: Confirmation of current residential address, ownership / rental status, neighbourhood profile, and stability of residence
- Office Verification: Confirmation of current working status, designation, nature of employment, and office address
Verification of Income Documents and Other Documents (Risk Containment Unit)
- Income Tax Returns (ITR) Verification: Authenticity check of ITR acknowledgements and income details submitted by applicants
- Salary Slips Verification: Validation of salary slips for genuineness, employer details, and income consistency
- Form 16 Verification: Verification of TDS certificates (Form 16 / Form 16A) for authenticity and accuracy
- Death Certificate Verification: Authenticity verification of death certificates for insurance and succession claims
- Banking Verification: Validation of bank statements, account details, and transaction history submitted by applicants
- Employment Verification: Confirmation of employment details directly with the applicant’s employer
- Land & Property Document Verification: On-ground and registry-level verification of land records, sale deeds, and ownership documents
- Negative Case Verification: Identifying fraud, misrepresentation, and inconsistencies in high-risk or flagged applications
Our Partner Institutions
We are an empanelled FCI / RCU partner with leading banks, housing finance companies, and NBFCs, including:
HDFC Bank / HDFC Ltd
Axis Bank
HDB Financial Services
Manappuram Finance
TVS Credit
Fullerton India
Bajaj Finance
Cholamandalam Finance
Negative Case Verification Units
For Our Team of Field Officers
Field officers can submit their verification reports directly through the lender-specific forms below.
Our Process
01
Field Visit
Our trained investigators visit the applicant's residence and/or office address, conduct a personal interview, and document all findings with photographs and observations.
02
Document Verification
We verify the authenticity of all submitted documents — ITR, salary slips, Form 16, land records, and identity proofs — through physical and registry-level checks.
03
Report Submission
A comprehensive, factual verification report — including photographs, observations, and risk assessment — is submitted to the lender within the agreed turnaround time.