Reports filled from a tea stall
Without location evidence, a report written a kilometre away looks identical to one written at the door.
Survey app · Verification
Residence and office verification with evidence a credit team can check
Bharat Survey's CPV app for field agents is for verification agencies, NBFC field units and lenders' vendor managers who need every residence or office visit to leave proof behind. Agents get assigned cases on an offline Android app, capture location and photos at the address, fill a structured verification form and sync. A reviewer sees where and when the visit happened before the report goes to the credit team.
- Residence, office and business verification forms
- Location captured at the visit, compared with the assigned area
- Photos compressed on the phone, uploaded on sync
- Reviewer sign-off and back-check before release
Survey 5/6 · Photo
Photo of a public issue
Camera · no faces
5 MB → 210 KB · with location/time
SkipTake photo
Location evidence
Survey #BS-0412
- In areaInside approx. boundary
- Accuracy±12 m
- Time09:42 · fresh fix
- Mock GPSNot detected
- Interview length11 min
Added to accepted count
Home #17 · Visit outcome
- Complete
- Partial
- Declined
- No contact
- Home locked
- Revisit
Residence verificationOffice verificationBusiness premises checkGeo tagged visitsPhoto evidenceVisit outcome codesReviewer sign-offTurnaround tracking
The problem
A contact point verification report is only as good as the visit behind it. The common failures are well known to every risk team.
Back-dated visits
Paper or chat-based reports carry whatever date the agent types. Timestamps from the phone at capture do not.
Free-text remarks
Unstructured remarks cannot be compared across agents or checked for patterns. Structured fields can.
No second look
When no one reviews a share of cases, weak agents stay invisible until a fraud case surfaces.
Case flow
The same flow works for a single-city agency and a multi-state vendor network.
- 01
Case assigned to an agent
A coordinator assigns the address and the right form to an agent covering that area. The case downloads to the phone, so it opens even without signal.CoordinatorShift onHello, Ram KumarToday's workAssignmentGram Panchayat BarauliTarget 40 homes14 done15 done16 done17 doneShiftOn · 2:14 hSync6 phone · 8 serverToday's homes- Home 15 · RamlalDone
- Home 16 · SunitaDone
- Home 17 · LockedRevisit
- Home 18 · MohanFilling…
✓ #BS-0413 synced to serverStart new survey - 02
Arrival and location at the address
At the door the agent taps to record arrival. Location, accuracy and time are stored with the case, along with a mock-GPS check.AgentLocation evidenceSurvey #BS-0412- In areaInside approx. boundary
- Accuracy±12 m
- Time09:42 · fresh fix
- Mock GPSNot detected
- Interview length11 min
Added to accepted count - 03
Structured form and photos
The agent records who was met, relationship to applicant, residence type, years at address, locality description and permitted photos. If the door is locked or the address is wrong, the outcome is recorded as such.AgentSurvey 5/6 · PhotoPhoto of a public issueCamera · no faces5 MB → 210 KB · with location/timeSkipTake photo - 04
Review and release
A reviewer checks the location state, duration, photos and answers, then approves, sends back for correction or orders a re-visit. Approved cases export for the lender.Reviewer3,000Target outlets2,184Visited1,962Audited1,871AcceptedDaily accepted auditsLast 12 daysQualityAccepted1871In review64Outside area19Weak signal8Top gaps · by territoryOut of stock62%Planogram48%Price label31%Visibility24%
Hello, Ram Kumar
Today's work
Assignment
Gram Panchayat Barauli
Target 40 homes14 done15 done16 done17 done
Shift
On · 2:14 h
Sync
6 phone · 8 server
Today's homes
- Home 15 · RamlalDone
- Home 16 · SunitaDone
- Home 17 · LockedRevisit
- Home 18 · MohanFilling…
✓ #BS-0413 synced to server
Start new surveyLocation evidence
Survey #BS-0412
- In areaInside approx. boundary
- Accuracy±12 m
- Time09:42 · fresh fix
- Mock GPSNot detected
- Interview length11 min
Added to accepted count
Survey 5/6 · Photo
Photo of a public issue
Camera · no faces
5 MB → 210 KB · with location/time
SkipTake photo
3,000
Target outlets
2,184
Visited
1,962
Audited
1,871
Accepted
Daily accepted auditsLast 12 days
Quality
Accepted1871
In review64
Outside area19
Weak signal8
Top gaps · by territory
Out of stock62%
Planogram48%
Price label31%
Visibility24%
Form design
Starting templates, adjusted to each lender's checklist. Field names stay the same across agents, so reports can be compared.
| Section | Residence verification | Office or business verification |
|---|---|---|
| Contact | Person met, relationship, applicant available | Person met, designation, applicant known |
| Premises | Owned, rented, family; type of house | Office type, signboard, approximate staff seen |
| Tenure | Years at address as stated | Years in business or employment as stated |
| Locality | Area type, access, landmarks | Commercial or residential area, access |
| Evidence | Location, time, photos where permitted | Location, time, photos where permitted |
| Outcome | Positive, negative, refer, door locked, address not found | Positive, negative, refer, closed, not traceable |
Photos of people or documents should follow the lender's consent and privacy rules. We configure forms to your policy, not the other way round.
Our view
Location evidence
Each case is assigned to an area such as a ward or village. When the agent captures location, the app stores the coordinates, their accuracy and age, and whether a mock-location app was detected. After sync, the point is compared with the assigned area and labelled in area, near boundary, outside, poor signal or mock GPS. Cases outside the area or with mock GPS never pass as approved without a reviewer's decision.
What it does not do
The app does not geocode each street address and measure the distance to the door. Indian addresses are too inconsistent for that to be reliable in most towns. The stored coordinates are exported with the case, so a lender who wants a distance check against its own geocoded address can run one.
Supervising agents across cities
During a shift, coordinators can see agents' live location, shared only while the shift is running and with a visible notification on the agent's phone. Outside shift hours nothing is shared. Daily views show cases closed, pending and sent back per agent.
Exports for the lender
- CSV and Excel case data
- PDF report per case
- Coordinates and timestamps
- Reviewer decision and remarks
- One-way copy to Google Sheets
Not the right fit if
- You need a direct API link into your loan origination system today
- Agents use iPhones
- You need credit bureau, PAN or Aadhaar checks inside the app
- You want automatic address geocoding and distance scoring
A good fit if
- Your agencies must prove each visit happened at the right place
- Reviewers need a queue, not a WhatsApp group
- Agents work in areas with weak network
- You want verification teams as well as software
FAQ
Straight answers to the questions people ask most about this topic.
What is a CPV app?
A CPV app lets field agents carry out contact point verification on a phone: open an assigned case, record arrival and location at the address, fill a structured residence or office form, add permitted photos and sync. Reviewers then check the evidence before the report reaches the lender.
Can agents work without mobile data?
Yes. Cases and forms download in advance. Agents complete visits offline, records save encrypted on the phone and sync when data returns. The app shows how many cases are still waiting to upload, so nothing is assumed to be sent.
Does it connect to our loan system?
Version 1 exports case data as CSV, Excel and PDF, and can copy results to Google Sheets. A direct API or webhook link to a loan origination system is not available today; tell us your system and we will discuss options.
How do you stop agents faking locations?
The app records location accuracy and flags mock-location apps. Records with mock GPS, poor signal or outside the assigned area go to review. Short visit durations are flagged too, and reviewers can order re-visits or back-checks by another agent.
India Nationwide, Hindi-first
Tell us your monthly case volume, cities and current report format. We will map it to a form and review flow.