Cubictree has emerged as India’s foremost legal technology innovator, transforming Delinquency management, Mortgages (Property) Management platform and risk assessment through AI-driven solutions tailored for the BFSI sector layered with its Proprietary datasets, With 4.5+ billion litigation records in its proprietary data lake—the largest globally—the company aggregates 1 million new case entries daily, spanning 10 million annual cases, 7 million unique legal parties, and 1 million lawyers. Their Platforms layered with data infrastructure supports integrations with 100+ banking systems, enabling clients to manage ₹3.8 lakh crore in default accounts and issue 1.2 crore legal notices annually while achieving 20-day reductions in recovery timelines.
Founded by Hitesh Jirawla, an entrepreneur with 15+ years in legal tech and prior experience at scaling 2 Start ups and Times Group, Cubictree combines deep industry expertise with AI-first platforms. Its unique newspaper property notices database—curated from tier 2/3 publications—and multilingual capabilities for India’s 28+ languages address critical gaps in traditional property risk assessments. As a member of the RBI Innovation Hub, Cubictree bridges regulatory compliance with scalable tech solutions, positioning itself as an architect of India’s digital legal ecosystem.
The Size of Cubictree’s Litigation Data Lake
Cubictree dominates India’s legal tech landscape with AI-driven data infrastructure that sets global benchmarks. As the country’s first and largest legal technology firm, it serves 450+ enterprises across India and Southeast Asia, backed by 15+ years of specialized expertise.
Unmatched Data Scale
- 4.5+ billion litigation records – the world’s largest legal data lake
- 1 million daily additions from courts, tribunals, and regulatory bodies
- Tracks 10 million new/closed cases annually
- Profiles 7 million unique legal entities (individuals, corporations, government bodies)
- 1 million lawyer profiles with case histories and specialization insights
Unlike competitors limited to company-centric data, Cubictree aggregates pan-legal ecosystem metadata – spanning case types, jurisdictions, and parties – enabling predictive analytics unavailable elsewhere.
Integration & Client Impact
Cubictree’s Delinquency management platform integrates with 100+ banking systems, creating seamless workflows for:
- Managing ₹3.8 lakh crore (~$50 Billion) in default accounts annually
- Generating 1.2 crore legal notices via automated templates and delivery digitally and physically
- 20-day reduction in average recovery timelines through AI-optimized processes
- 100% paperless operations from initial default to full recovery
- Implements two-way core banking integration
- Streamlines SARFAESI, Section 138, and arbitration processes
- Provides real-time court updates and pan-India monitoring
The RBI-approved platform implemented with Largest to mid size Banking clients boosts about users spending 1 crore minutes annually on its platform, providing real-time court updates and escalation triggers across 1,00,000+ Indian courts and tribunals.
Pioneering Property Risk Assessment Through AI-Enabled Notice Analytics
Cubictree has revolutionized property risk assessment in India through its innovative proprietary newspaper notices database, addressing a critical gap in the traditional lending ecosystem. While Indian law mandates newspaper notifications for property transactions—including gifts, inheritances, name changes, and auctions—these notices often appear in tier-2/3 newspapers, making them susceptible to oversight by compliance officers.
The platform tackles a fundamental challenge in India’s property lending landscape: the absence of comprehensive property data comparable to credit bureau information. Currently, financial institutions rely primarily on Sub Registrar Office (SRO) records for property authenticity verification. Recognizing this limitation, Cubictree developed an alternative data framework by combining:
- Phygital Database: A unique repository of property notices collected over 9 years, with 60% sourced from physical newspapers
- AI-Powered Search: Pan-India digital search capabilities across regional publications
- Integrated Risk Assessment: Combining litigation data with newspaper notices for comprehensive property evaluation
- This report has assisted banks in identifying risks associated with Loans ranging from ₹40 lakh to ₹250 crore loan application. The reports have assisted in ₹2.5 lakh crore loan applications annually.
Digitally Transforming Property Lending with CT-MAP and CT Property Risk Report (CT-PRR)
Cubictree’s flagship platform, CT-MAP (Cubictree Mortgages Automation Platform), revolutionizes property-backed lending through an end-to-end digital ecosystem. This AI-first solution addresses the complexities of asset-backed loans by transforming traditionally decentralized, non-standardized processes into a seamless digital workflow. Key platform features include:
- 100% Paperless Journey: From property onboarding to recovery
- Automated Risk Assessment: AI-powered property audits using proprietary newspaper and litigation data
- Standardized Documentation: Converts scattered excel files and physical documents into structured digital formats
- Integrated Compliance: Regular automated audits for regulatory adherence
The platform’s success lies in its ability to create a frictionless, paperless ecosystem that bridges the gap between legal processes and banking operations, making it an indispensable tool for property risk assessment and Delinquency management in India’s financial sector.
Cubictree Network Integration
The platform is enhanced by a verified Pan-India lawyer network specializing in property title assessments. Quality control is maintained through:
- Credential verification and specialized training
- Standardized reporting formats across states
- In-house legal team oversight for AI model training
- Continuous feedback loop for quality improvement
This comprehensive approach enables financial institutions to accelerate loan processing while maintaining robust risk management standards, making CT-MAP a transformative solution for India’s property lending sector.
Advanced AI Capabilities: From Multilingual Processing to Risk Assessment
Cubictree’s technological prowess extends across multiple dimensions, combining multilingual processing, regulatory integration, and sophisticated risk assessment capabilities. The platform’s AI-enabled language module handles documents across India’s 28+ regional languages, providing seamless English translations at scale—a critical capability for financial institutions operating pan-India.
As a member of the RBI Innovation Hub, Cubictree contributes to India’s vision of democratized lending through:
- Unified API integration for property and litigation risk reports
- Streamlined access for financial institutions
- Accelerated report generation and consumption
The platform’s contract management solution transcends traditional approaches by:
- Enabling end-to-end workflow from NDA to execution
- Featuring collaborative editing with integrated controls
- Auto-generating time-bound business objectives
- Maintaining complete audit trails
At its core, Cubictree’s litigation riskometer employs a dynamic AI algorithm analyzing:
- Court hierarchy (Supreme Court to Forums)
- Case categories and subcourt classifications
- Party positions and matter criticality
- Case values and historical precedents
This comprehensive approach allows for real-time risk scoring adjustments based on specific institutional requirements, making it adaptable for banks, corporates, and consulting firms alike.
