GST Smart aims to give credit teams a clearer picture of a borrower’s operations through tax-filing information. For small enterprises with limited borrowing records or financial paperwork, this can provide additional evidence when officers examine their ability to repay.

Developed by ScoreMe, the platform coordinates lending workflows and automates selected steps using rules approved by UCO Bank. It operates under the lender’s existing credit policies and sanction arrangements, rather than creating a separate route around those checks.

UCO Bank Managing Director Rajendra Kumar Saboo said GST-based insights could offer a more up-to-date understanding of business performance. He linked the initiative to more efficient loan processing and stronger information for officers evaluating credit proposals, without moving decisions outside established policies.

ScoreMe Co-Founder Shashank Sharma described the approach as bringing relevant information together instead of relying mainly on document collection. The aim is to support quicker, more uniform assessments across branches, not substitute technology for a banker’s judgement.

The system can identify concerns or positive indicators through automated checks and reduce manual verification of turnover and compliance. Cases requiring closer examination can still move to human review. The report does not specify loan eligibility conditions or a guaranteed processing timeline.