Business use cases

Your data answers. Instantly.

See how teams across finance, insurance, and accounts use RIYU to get answers from their data in plain English - no SQL, no code, no waiting.

01 — Finance & Banking

From risk reports to credit insights — in seconds.

For analysts, risk teams & credit managers

Replace complex SQL queries with plain English. Identify high-risk borrowers, track delinquency patterns, and generate consumer behaviour insights for cross-selling — without a data team in the loop.

Ask RIYU anything

List high-risk borrowers with payments delayed >60 days

How will rising rates impact our current lending book?

Segment customers for targeted product cross-selling

Identify gaps in customer profiles to map vulnerabilities

Risk analysisCredit scoringCustomer segmentationNo SQL needed

RIYU cost per report

₹32 – ₹80

Manual / analyst cost

₹2,000 – ₹1,00,000

Finance analyst reviewing data on screen

What RIYU can doFinance & Banking — Risk reporting, delinquency tracking & credit intelligence

The problem RIYU solves

Credit and risk teams typically rely on data analysts or database administrators for every report. SQL queries take days to fulfil. By the time delinquency reports are ready, the data is already stale. Rate sensitivity scenarios require manual model rebuilds. Risk decisions get delayed — not because the data isn't there, but because it's locked behind technical barriers most business users can't cross.

What becomes possible with RIYU

Connect your loan management database or upload a portfolio export. Analysts can ask delinquency, exposure, and risk segmentation questions directly in plain English — branch by branch, segment by segment. Rate sensitivity scenarios and borrower profiling that previously required SQL or Excel modelling can be answered in a single conversation. No data team in the loop.

Plain English

Replace SQL queries with natural language

Any dataset

SQL DB, CSV, or Excel portfolio exports

Instant

Risk flags on demand, not at month-end

Example queries RIYU can answer

›"List all borrowers with EMI delays >60 days sorted by outstanding balance."

✦RIYU surfaces a ranked table of delinquent accounts — days overdue, outstanding balance, branch, and loan type — ready to export or share with your risk committee.

›"Simulate the impact of a 0.75% rate hike on our variable-rate book."

✦RIYU runs the sensitivity analysis across your portfolio and returns an income impact summary, segmented by loan type and borrower risk tier — no Excel model rebuild required.

02 — Insurance & Actuarial

Your AI actuarial assistant — no Excel rebuild required.

For actuaries, underwriters & risk analysts

Run premium calculations, analyse claims data, and model policy KPI changes in plain English. Stop rebuilding the same Excel model from scratch every time assumptions change.

Ask RIYU anything

Calculate annuity and perpetuity premiums instantly

Model the impact of a KPI change across your policy book

Accelerate claims risk analysis with natural language queries

Reduce manual underwriting effort and approval time

AI actuarial assistantReduce Excel dependencyClaims analysisPremium modelling

What RIYU can doInsurance & Actuarial — Claims modelling, premium calculations & policy book analysis

The problem RIYU solves

Every scenario change in actuarial work — adjust a mortality assumption, model a clause removal, rerun with a new KPI — typically means rebuilding an Excel model from scratch. Leadership requests land mid-cycle. Board presentations require live numbers nobody has time to prepare. The bottleneck isn't the data — it's the time it takes to reprocess it each time the question changes.

What becomes possible with RIYU

Upload your policy book as a CSV or connect your claims database. Underwriters and actuaries can ask claims ratio, premium projection, and scenario modelling questions directly — without touching Excel. Scenario assumptions can be changed mid-conversation and reanalysed instantly. Board scenarios can be explored live, not prepared days in advance.

No rebuild

Change assumptions mid-conversation

Any scale

Policy books of any size via CSV or DB

Live

Scenarios answered in the meeting room

Example queries RIYU can answer

›"Which policy segments have a claims ratio above 85% this quarter?"

✦RIYU segments your claims data by product type, age band, and geography — returning a ranked breakdown with trend vs prior period, ready to present or export.

›"Model the impact of removing the 30-day waiting period on our top 3 health products."

✦RIYU models the expected claims uplift, required premium adjustment to maintain margin, and NPV impact — without a single formula change in Excel.

03 — Accounts & Tally File Analysis

Upload your Tally export. Just ask.

For accountants, CFOs & finance teams

No pivot tables, no VLOOKUP, no reformatting. Upload your Tally exports and get P&L summaries, vendor analysis, and ledger insights directly in plain English.

Ask RIYU anything

What is our net profit for Q2 vs Q1 across all ledgers?

Which vendors have outstanding dues older than 90 days?

Summarise GST liabilities by month from this Tally export

Flag unusual entries or duplicate transactions automatically

Works with Tally exportsInstant ledger Q&AGST analysisVendor tracking

Accountant reviewing financial data on laptop

What RIYU can doAccounts & Tally — P&L analysis, GST reconciliation & vendor tracking

The problem RIYU solves

Tally exports are notoriously difficult to work with outside the software. Finance teams spend hours reformatting data in Excel before they can even begin analysis — running pivot tables for GST breakdowns, VLOOKUP for vendor dues, manual aggregation for P&L summaries. Every time leadership needs a number, someone has to rebuild the calculation from the raw export.

What becomes possible with RIYU

Upload your Tally XML or CSV export and ask questions directly. RIYU can summarise your P&L by ledger, break down GST liabilities by month, surface vendor outstanding dues, and flag duplicate or unusual entries — all in plain English. No reformatting, no pivot tables, no VLOOKUP. CFOs can ask questions directly during review meetings and get answers in the room.

Tally native

Works directly with Tally XML & CSV exports

No Excel

Skip the pivot tables and reformatting step

GST-ready

CGST, SGST, IGST breakdowns on demand

Example queries RIYU can answer

›"Summarise our GST liabilities by month for the last quarter — split by CGST, SGST, and IGST."

✦RIYU generates a clean month-by-month GST table from your Tally export — broken down by tax type and ready to share with your CA or use directly for filing review.

›"Which vendors have outstanding dues older than 90 days?"

✦RIYU surfaces a ranked list of overdue vendor payables — with invoice date, amount, and days outstanding — so your accounts team can prioritise follow-up without touching a spreadsheet.

›"Flag any duplicate entries or unusual transactions from this month's ledger."

✦RIYU scans your ledger for duplicate voucher amounts, repeated entries within short date windows, and transactions that deviate significantly from typical posting patterns — flagging each for review.

›"Give me a net profit comparison for Q1 vs Q2 across all ledgers."

✦RIYU aggregates your ledger data and returns a side-by-side P&L summary — revenue, expenses, and net profit per quarter — with the key variances called out, ready for the Monday review meeting.

Ready to see it on your data?

Join the first cohort — early access users get locked-in rates and direct input into the roadmap.