A 60-second video of each borrower's own loan terms, in their language
TL;DR Termreel turns a lender's Key Fact Statement into a short video that shows each borrower their own amount, EMI, total cost and exit window. It's narrated in their language and sent on a chat app right after sanction. NBFCs and banks pay per video to cut confusion, early complaints and support calls.
Indian borrowers sign dense terms they rarely read. The RBI's ombudsman scheme logged 13,34,244 complaints in 2024-25, up 13.55% in a year, and loans and advances were the biggest category at the ombudsman offices, with 86,670 cases[1].
The rules already require disclosure. Under the RBI's 2025 digital lending directions, signed loan documents including the Key Fact Statement go automatically to the borrower's email or SMS, and borrowers get a cooling-off window of at least one day to exit without penalty[2].
But what does an English PDF on a phone do for a first-time borrower in Jharkhand? Very little. Many only learn the true EMI or fees when the first deduction lands.
What it does, in regulatory terms: a disclosure explainer only. Termreel adds to the lender's Key Fact Statement and never replaces it. It gives no advice, makes no credit decision and uses only the figures the lender supplies.
When a loan is sanctioned, the lender's system sends Termreel the KFS fields. Termreel fills a pre-approved video template with the loan amount, EMI and dates, total cost, any fees, and how many days the borrower has to walk away. A recorded or licensed voice reads it out in the borrower's chosen language, and the video is labelled as computer-generated. The borrower gets a chat-app link and the lender gets a log of who watched to the end.
I reframed the seed, which pitched real-time personalised video to lift engagement. Rendering live for every viewer is costly, and generic marketing video is a crowded field. A pre-rendered video triggered by one regulated event has a clear buyer, a measurable outcome and a compliance reason to exist.
Lenders pay - NBFCs, small finance banks and digital lending platforms with high volumes of small loans. The compliance and customer-service heads are your buyers, not marketing. Pricing would be per video rendered, with a monthly minimum. There's no public price for Indian personalised video, and one global personalised-video vendor sells to banks and insurers but publishes no rates[3].
The RBI consolidated its digital lending rules in May 2025, with automatic KFS delivery and a cooling-off exit[2]. MeitY's February 2026 IT Rules amendments set labels for synthetic media[4], which gives lenders a clear way to use generated narration in the open. And the leading chat app's business platform now prices utility messages separately from marketing, with volume tiers in India[5].
There's no public figure for what Indian lenders spend on personalised video. The firmest number you'll find is the pain itself, which is 86,670 loan-related complaints at RBI ombudsman offices in 2024-25[1].
Next door, one AI avatar-video company was valued at US$4 billion in January 2026[6]. That's a sign of global demand for generated video, not of this market.
Global personalised-video vendors sell to banking, insurance and mortgage firms abroad, and claims big results that nobody has independently checked[3]. AI avatar-video firms make videos, mostly for training and corporate messages[6]. I couldn't verify an Indian firm selling KFS explainer videos to lenders.
The gap is a narrow, compliance-led product built on the RBI's KFS fields, in Indian languages, sent on a chat app.
| Difficulty | Moderate (48/100) |
| Starting capital | ₹1.2–2.2 Cr |
| Time to launch | 8–12 months |
Rendering is solved. The work is everything around it - lender security reviews, vendor audits, exact figures every single time, and translation checked by people. One wrong number in a video becomes a complaint against the lender, so every render needs an automatic check against the source figures.
You don't need your own lending licence, because you never lend. But your clients are RBI-regulated, so their rules flow down to you.
Building this outside India? The categories above usually have a local equivalent, so check with your own regulator.
Never let AI change a number, explain a borrower's options or answer a credit question. It reads the lender's figures and nothing else.
Want to work out the AI layer for Termreel? Talk to Yash →
Here's what can go south -
I'd back this for a founder with lending-operations or regtech experience who can pass a bank's vendor audit. If you're chasing engagement metrics in marketing then look elsewhere. Prove one thing first - that a lender pilot cuts first-month support calls or complaints by an amount you can measure.
Plan for roughly ₹1.2–2.2 Cr, since lender security reviews, accurate rendering and human-checked translations all take money and time.
No. You aren't lending. But lenders must audit you as an IT vendor, and every video has to match the Key Fact Statement under the RBI's digital lending rules.
Yes, wherever lenders must give borrowers a key-facts document. Check your local lending disclosure, vendor outsourcing and data protection rules first.
The free Termreel validation kit has the line-by-line capital breakdown, the effort scoring, the RBI, data-protection and synthetic-media checklist, a 14-day validation sprint with pass/fail targets, a 90-day launch plan, 10 interview questions for lenders and borrowers, and 5 assumptions to test. Download the kit →
Thinking about building Termreel or something close to it? The make-or-break work is getting through a lender's security review and then proving fewer complaints, and I enjoy that kind of grind with founders. If you need a hand, you know where to find me. Talk to Yash →
For illustration only. Names are fictional and ideas hypothetical; sourced facts are real but may be out of date. Nothing here is legal, financial or professional advice, and Yash Khatri is not personally liable for any use of it. Read the full disclaimer.