CredShield is a climate-adjusted credit intelligence layer. It is designed to translate climate exposure and borrower resilience into a lender-ready Climate Score that can sit alongside conventional credit information.

Who is CredShield designed for?

CredShield is designed for banks, NBFCs, and microfinance institutions, with product experiences intended for credit teams, risk teams, underwriters, and portfolio managers.

How does the Climate Score complement a credit score?

A conventional credit score primarily reflects financial history. CredShield is intended to add forward-looking climate context, helping lenders consider how exposure, vulnerability, and resilience could influence future repayment capacity and portfolio risk.

Can CredShield integrate with existing lending workflows?

CredShield is being designed as an additive intelligence layer for existing underwriting and portfolio workflows, rather than as a replacement for a lender's current credit models or infrastructure.

Climate credit-risk intelligence · In Development

The climate risk layer for credit.

CredShield adds a forward-looking Climate Score alongside conventional credit signals, helping lenders understand how climate exposure can influence borrower resilience and portfolio risk.

Built for banks, NBFCs, and microfinance institutions.

Plutas CredShield · Risk Intelligence

CredShield

CredShieldPortfolio climate intelligence

⌘ K

Portfolio climate intelligence

A 360° view of climate-adjusted credit risk across your lending portfolio.

Portfolio filters

Total portfolio exposure

₹7,980 Cr

6.2%vs previous quarter

Borrowers monitored

46,449

1,842 addedthis month

Average Climate Score

633

+8 ptsportfolio improving

High risk exposure

₹1,048 Cr

15.2%of portfolio

Very high risk exposure

₹312 Cr

2.1%requires attention

Climate risk concentration

Borrower-weighted exposure across active lending geographies

Portfolio exposure · India

Reading portfolio1/6

The gap

Credit risk doesn't happen in a vacuum.

A borrower can be financially stable today and still be highly exposed to the climate conditions that affect their income, assets, or ability to repay tomorrow.

Traditional credit models see financial history. CredShield adds the climate context.

Same pincode · Same climate event

Different exposure. Different resilience.

Hyderabad · 500084

Climate event intensityElevated

LowHigh

Borrower A

Delivery rider

Climate Score

609

ExposureHigh

Outdoor exposureHighIncome sensitivityElevated

Borrower B

Office professional

Climate Score

716

ExposureLow

Outdoor exposureLowIncome sensitivityLow

Same hazard. Different credit risk.

Outdoor work and commute exposure begin to separate borrower resilience.

Inside CredShield

Four views. One clear lending picture.

Choose one view at a time - from portfolio exposure and borrower explainability to green lending opportunities and data confidence.

Plutas CredShield · Portfolio

CredShield

CredShieldPortfolio climate intelligence

⌘ K

Portfolio climate intelligence

A 360° view of climate-adjusted credit risk across your lending portfolio.

Portfolio filters

Total portfolio exposure

₹8,426 Cr

6.2%vs previous quarter

Borrowers monitored

48,291

1,842 addedthis month

Average Climate Score

641

+8 ptsportfolio improving

High risk exposure

₹1,284 Cr

15.2%of portfolio

Very high risk exposure

₹386 Cr

2.1%requires attention

Climate risk concentration

Borrower-weighted exposure across active lending geographies

Portfolio exposure · India

Portfolio copilot

Ask the lending questions that matter.

A focused preview of how CredShield can turn portfolio signals into concise, decision-ready answers.

Ask CredShield

Ask about portfolio, borrower risk, or climate exposure.

Illustrative AI experience

CredShield response

Delhi NCR carries ₹648 Cr of exposure across 3,206 monitored borrowers, led by AQI and heat pressure.

Grounded in the illustrative portfolio view.