Plutas CredShield
Climate Credit-Risk Intelligence for Banks and NBFCs
The Climate Score that sits alongside the credit score, giving lenders a 360° view of every borrower's environmental risk and resilience.
Climate risk has moved from macro-economic abstraction to a measurable, individual-level financial signal. Plutas CredShield is the climate credit-risk layer that lenders can no longer afford to be without.
No guesswork. No blanket assumptions. No delays in regulatory readiness.
against climate threats, anytime, anywhere
Climate change is no longer a distant threat it’s disrupting lives, businesses, and communities today. Unseasonal storms, heatwaves, and floods can strike without warning, leaving financial and emotional scars.
Plutas Insure is here to revolutionize climate protection turning nature’s unpredictability into guaranteed security.
Why Choose
Plutas Insure
1
Quick Financial Relief
Instant, trigger‑based payouts help you address urgent needs without delay.
2
Affordability
By eliminating manual claim assessments and overhead, we offer coverage at a fraction of traditional insurance costs.
3
Ease of Use
A transparent, end‑to‑end digital process means no surprise fees, no hidden clauses, and no hassle.
4
Inclusivity
Tailored options serve everyone—from smallholder farmers and gig workers to SMEs and urban dwellers.
How Plutas CredShield Sets Itself Apart
Six-Pillar Climate Intelligence Score
CredShield evaluates every borrower across six weighted pillars using verified government and regulatory data. Carbon footprint, energy behaviour, climate exposure, sustainable finance, circular economy participation, and climate awareness combine into a hyper-personalised individual climate risk profile.
Composite Green Credit Profile
CredShield pairs bureau scores with a Climate Score to form a Composite Green Credit Profile, giving lenders a single 360-degree lending view of every borrower. Weightings are adjusted by product type, keeping the system fully compatible with existing credit frameworks and approval workflows.
Validation-First Data Architecture
Every CredShield score is anchored to government, regulatory, and institutionally verified datasets. Data points are cross-checked across multiple trusted sources before influencing any outcome, eliminating unverifiable inputs and creating a transparent foundation for climate risk analytics in retail lending.
Green Financial Products Enabled
CredShield turns climate intelligence into real lending products: green home loans, EV financing, solar credit, and climate resilience funding. It integrates directly with insurance ecosystems, enabling climate-aware protection products and more efficient risk management across the lending portfolio.
Data Collection
We gather daily weather data from trusted sources like the India Meteorological Department (IMD) for rainfall and ERA5 for temperature, ensuring accuracy and reliability.
Event Occurrence
This data is continuously compared against your policy’s predefined strike and exit points. If the weather event exceeds your chosen parameters during the policy period, your payout is triggered automatically.
Automatic Payout
Once triggered, the predetermined payout amount is directly credited to your account-no lengthy claims process or additional documentation required.