Banks & NBFCs
Loan officers photograph collateral. Surveyors photograph properties. Recovery agents photograph assets. Every photo is sent over WhatsApp with no proof of when or where it was taken. Vashix makes every field photo GPS-verified and hardware-signed — so your audits, appraisals, and disbursements move on facts, not faith.
194%
YoY increase in bank fraud — FY25
RBI Financial Stability Report
0
WhatsApp photos with hardware proof of origin
Weeks
Typical delay when field photos are disputed
The Problem
Your loan officer photographs a property for a ₹2 crore home loan. The photo has no GPS, no timestamp, no proof it was taken today at that address. If the borrower defaults, your collateral valuation is a JPEG with no evidentiary value.
With Vashix
Loan officer captures with Vashix. Every photo has GPS coordinates, hardware-signed timestamp, and device identity. Your credit committee sees verified photos in the dashboard. RBI audit? Export a verified PDF with the full evidence chain.
The Problem
Your appraiser photographs gold jewellery before disbursing a loan. If the gold is later found to be fake, you need to prove the appraisal photos are genuine and unedited. WhatsApp photos won't hold up.
With Vashix
Appraiser captures gold photos through Vashix. Each photo is hardware-signed at the moment of capture. If disputed, the photo has a cryptographic chain of custody from device to your server — and a Section 63 BSA certificate for court.
The Problem
Field agents photograph Aadhaar cards and PAN cards for KYC. Some recycle old photos. Some photograph photocopies. You can't tell from a WhatsApp JPEG.
With Vashix
Agent opens the Vashix link, photographs the document. GPS confirms they're at the customer's address. Timestamp confirms it's today. Device attestation confirms it's a real camera, not a screenshot of an old photo.
The Problem
Recovery agent says the borrower's car is not at the registered address. You have no way to verify that the agent actually visited.
With Vashix
Agent photographs the location through Vashix. GPS proves they were at the address. Timestamp proves when. If the asset is present, the photo proves it. If absent, the photo proves the visit happened. Either way, you have evidence.
Every photo captured through Vashix has a complete evidence chain: device identity, GPS coordinates, timestamp, and hardware attestation. When RBI auditors ask for proof that a field visit happened or a collateral was physically inspected, you export a verified PDF — not a WhatsApp screenshot.
When a loan dispute goes to NCLT, DRT, or civil court, your photos become evidence. Under Section 63 of the Bharatiya Sakshya Adhiniyam, 2023, electronic evidence requires a specific certificate to be admissible. Vashix generates certificates designed to meet these requirements on every capture. Admissibility is determined by courts on a case-by-case basis.
See how Vashix works for your lending and field operations.