nhbs provides Diligence Services such as due diligence, drawing power assessment, credit monitoring and inspection, to banks and other lending institutions. With an expert pool of accounting and finance professionals, nhbs has insightful knowledge of regulatory requirements in this field. Having worked closely with diverse SMEs, our experienced team, with independence and detail orientation, helps clients to:

  • Minimize default rate in loan portfolio
  • Instill best practices on lending governance
  • Enhance risk management and controls
  • Obtain independent opinion of borrowers’ business and financial health
  • Independent reference & back ground check of the borrower

nhbs has conducted over 15,000 due diligence & credit monitoring assignments managing lending portfolio of over $ 1.15 bn. for various credit rating agencies, banks and financial Institutions. Major part of the portfolio was for SME business facilitating Banks to track the line of credit through inspections & inventory verification.

Our Offerings:

  • Financial and non-financial due diligence before the sanctioning and disbursement of loans
  • Due diligence for factoring and credit rating assignments
  • Due diligence for portfolio buyout for banks
  • Know-Your-Customer checks on borrowers
  • Independent business and financial health assessment of businesses based on pre-defined criteria

  • Credit assessment of the borrower
  • Collateral assessment of the borrower
  • Inspection and annual audit of stock and book debts
  • Verification of assets funded by the lender

  • Periodic determination of drawing power for borrowers
  • End-to-end handling of support activities, including collection of documents, follow-ups, information feed, detailed analysis and calculations, and reporting
  • Use of leading edge proprietary technology platform that enables detailed information capture and analysis

  • Personal discussion & reference check of borrower
  • Verification of assets of borrower
  • Validation of KYC, business, financial documents of borrower
  • Processing of loan documents & application for loan appraisal


nhbs is our first pan-India channel partner for conducting due diligence on client ledgers. Since then nhbs has become our growth partner, and as our business grows the relationship also grows stronger. Our company being a start-up firm is growing with a rapid pace with prudent credit risk practices, and feels support from the nhbs team is invaluable during this journey.
Diwakar Mishra – Vice President – Risk Management, India Factoring and Finance Solutions
nhbs has been providing us diligent third-party assurance services. We are quite satisfied with their work ethic, efficiency and more importantly, the timeliness of deliverable.
There is, however always scope for improvement in quality, and nhbs is proactive in keeping pace with our increasing focus on quality of reporting.

Veronica Pinto, Head – SME Credit, Ratnakar Bank