Technology Scientists

  1. What is the new model — Credit Assessment Model (CAM) The government has introduced a new digital-first Credit Assessment Model (CAM) aimed at streamlining loan appraisal for small businesses — particularly Micro, Small and Medium Enterprises (MSMEs).CAM is designed to provide automated, data-driven credit evaluation that relies on digitally verifiable data rather than traditional subjective or collateral-based assessments.  2. How CAM works — Data-driven, digital footprints and automation The assessment uses a variety of digital footprints/data sources — such as PAN authentication, GST data, bank statements (via account-aggregator), ITR uploads, bureau credit data, mobile/email verification, and other API-enabled verifications. The process is automated: loan applications can be submitted online, without heavy paperwork or repeated branch visits. For both existing clients of a bank (“Existing-to-Bank” / ETB) and new clients (“New-to-Bank” / NTB), the model provides o...

  1. What is the AI Pilot & Why It Matters The “AI Pilot To Improve Local Monsoon Onset Forecasting” is an initiative launched by the government (in 2025) with the aim to generate localized monsoon-onset forecasts for farmers, ahead of the Kharif season. Traditional forecasts by India Meteorological Department (IMD) typically provide long-range or regional forecasts; finer, local-level onset forecasts have historically been hard to achieve. The AI pilot promises more precise, actionable information — giving farmers lead time to plan sowing, land preparation, and resource use, reducing risk of crop failure.  2. How the AI Model Works — Data & Technologies The pilot uses a blended AI model that integrates multiple advanced systems: NeuralGCM (from Google), ECMWF-AIFS (from European Centre for Medium-Range Weather Forecasts), and 125 years of historical IMD rainfall data. By combining modern ML-based global forecasting models with long-term historical data, the ...