Cubictree

Legal technology is rapidly evolving, and in India’s high-stakes financial sector, Cubictree has emerged as a pioneering force. By combining AI-driven platforms with the largest litigation data lake globally, Cubictree is redefining delinquency management, mortgage risk assessment, and legal compliance for the BFSI industry.

With 4.5+ billion litigation records in its proprietary dataset—growing by 1 million new case entries daily—Cubictree delivers unparalleled insights into default risk, property lending, and regulatory adherence. Its platform integrates with 100+ banking systems, enabling financial institutions to manage ₹3.8 lakh crore in default accounts and streamline legal workflows.

As a member of the RBI Innovation Hub, Cubictree isn’t just another legal tech company—it’s an architect of India’s digital legal ecosystem.

The Power of India’s Largest Legal Data Lake

Cubictree’s AI-powered legal infrastructure sets it apart from traditional data providers. Rather than focusing solely on company-centric data, Cubictree aggregates pan-legal ecosystem metadata, providing unmatched predictive analytics for banks, NBFCs, and financial regulators.

Key Data Highlights:

• 4.5+ billion litigation records, the world’s largest database.
• 1 million daily case updates from courts, tribunals, and regulatory bodies.
• Tracking 10 million new/closed cases annually for real-time insights.
• Profiling 7 million unique legal entities, including corporates, individuals, and government bodies.
• 1 million lawyer profiles with case histories and specialization insights.

This vast dataset powers Cubictree’s AI-driven risk assessments, enabling banks and NBFCs to identify, mitigate, and manage financial risk like never before.

AI-Optimized Delinquency Management

Managing high-risk delinquent accounts is one of the biggest challenges in India’s financial sector. Cubictree’s platform integrates with core banking systems, creating seamless workflows for legal recovery.

Key Impact Areas:

• ₹3.8 lakh crore (~$50 Billion) in default accounts managed annually.
• 1.2 crore legal notices generated automatically—both digital & physical.
• 20-day reduction in recovery timelines using AI-driven automation.
• 100% paperless workflow from default to legal resolution.
• Streamlined compliance with SARFAESI, Section 138, and arbitration processes.
• Real-time court monitoring across 1,00,000+ Indian courts and tribunals.

With financial institutions spending over 1 crore minutes annually on Cubictree’s platform, the impact is clear—delinquency management is now faster, smarter, and more transparent.

Revolutionizing Property Risk Assessment with AI-Powered Notice Analytics

India’s property lending landscape has long struggled with incomplete and fragmented risk data. Traditional property verification relies only on Sub Registrar Office (SRO) records, missing critical ownership risks published in regional newspapers.

Cubictree bridges this gap with its unique newspaper notices database, curating data from tier-2 and tier-3 publications to provide a more holistic view of property risk.

AI-Driven Property Risk Assessment Includes:

• Phygital Database: 9+ years of curated property notices, 60% sourced from physical newspapers.
• AI-Powered Search: Digital search across regional publications for deeper risk visibility.
• Integrated Risk Assessment: Litigation data + newspaper notices = a complete property risk profile.

Real-World Impact:

• Used by banks to assess loans ranging from ₹40 lakh to ₹250 crore.
• Enabled risk assessment for ₹2.5 lakh crore loan applications annually.

By digitally transforming property risk evaluation, Cubictree is empowering banks to reduce lending risks and improve decision-making.

CT-MAP & CT-PRR: Transforming Property Lending with AI

Cubictree’s flagship mortgage risk platforms, CT-MAP (Cubictree Mortgages Automation Platform) and CT-PRR (Property Risk Report), bring end-to-end automation to property-backed lending.

Key Features:

• 100% Paperless Workflow: Digital-first journey from property onboarding to recovery.
• AI-Powered Risk Audits: Cross-checks property data against litigation & newspaper records.
• Standardized Documentation: Converts Excel files and physical documents into structured digital formats.
• Automated Compliance Checks: Regular risk audits for regulatory adherence.

With AI-driven risk scoring and seamless data integration, CT-MAP eliminates property lending blind spots, making lending safer, faster, and more reliable.

Verified Pan-India Lawyer Network for Property Due Diligence

Property transactions in India require specialized legal expertise, but finding reliable verification professionals has always been a challenge. Cubictree solves this by integrating a verified Pan-India lawyer network, ensuring accurate title assessments and risk evaluations.

How It Works:

• Credential verification & specialized training for property law.
• Standardized risk reporting formats across different states.
• In-house legal oversight to fine-tune AI risk models.
• Continuous feedback loop for quality improvement.

This network enables banks and NBFCs to process loans faster while maintaining compliance and risk control.

Multilingual AI & RBI-Backed Legal Risk Assessment

Cubictree’s technological edge extends beyond litigation tracking—it offers multilingual AI processing, regulatory integrations, and cutting-edge risk analytics.

• Handles documents in 28+ Indian languages, with seamless English translation.
• Member of the RBI Innovation Hub, ensuring regulatory alignment.
• Unified API Integration for property & litigation risk reports.
• End-to-end legal contract management, from NDAs to execution.

AI-Powered Litigation Risk Scoring

Cubictree’s litigation riskometer uses a dynamic AI algorithm to assess case risk based on:

• Court hierarchy (Supreme Court to Forums).
• Case categories & jurisdiction classifications.
• Party positions & matter criticality.
• Historical case precedents & values.

With real-time risk scoring adjustments, Cubictree delivers highly adaptable legal intelligence for banks, NBFCs, and financial consultants.

Cubictree: The Future of AI-Driven Legal Risk Management

As India’s BFSI sector navigates rising default rates, evolving regulations, and increasing property lending complexities, Cubictree is leading the way with its data-driven, AI-first approach.

By eliminating inefficiencies, bridging data gaps, and automating risk assessments, Cubictree is not just a legal tech firm—it’s shaping the future of financial risk management in India.

For banks, NBFCs, and financial institutions looking to transform delinquency management, streamline legal workflows, and gain deeper property risk insights, Cubictree offers the ultimate competitive advantage.

The question is: How much smarter could your risk strategy be with Cubictree?