A decade of trust, built on the ground.
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- Banks, NBFCs & fintechs
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- States & regions
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- Monthly verifications
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- Field verifiers
Absolute Business Management Services (ABMS) is a Delhi-based firm established in 2013. Since then we have helped leading public and private financial institutions put effective internal and external fraud-control strategies and ethics programs in place.
With more than a decade in verification and fraud control, we work closely with well-known brands across banking, NBFCs and fintech, with field teams operating across multiple states from Delhi, Uttar Pradesh and more.
ABMS grew out of Instant Banking Financial Services (IBFS), founded in 2013 by Mr. Ajay Wadhwa, an ex-banker with more than 20 years across operations, customer acquisition, risk management, sales and collections.
He was a core member of SBI Cards’ launch of Verification & Prescreening, and pioneered pre-screening and verification processes for MNCs. His career took him through:
- GE Money
- SBI Cards
- Barclays
- Hinduja Global Solutions
- DCM Finance
- Lloyds Brokerage
The next generation. Since 2024, Mr. Karan Wadhwa has led growth: a wider client base, stronger operations and technology-driven processes.
- 2013
IBFS is founded
Ajay Wadhwa starts Instant Banking Financial Services in Delhi.
- 2014
First bank client
Kotak Mahindra Bank joins, a partnership that continues today.
- 2017
A growing roster
7–8 banks and NBFCs, with a Delhi operations centre and field network.
- 2024
A new generation
Karan Wadhwa joins at 21 and drives wider growth and technology.
- Today
25+ clients
Banks, NBFCs, fintechs and corporates across 16+ states and regions.
- Next
New states
Opening new locations on request, with broader services and technology.
From the moment a file reaches us to the report on your desk.
- 01
Allocation
A case arrives from your system or file and goes to the nearest verifier.
- 02
Field visit
The verifier visits in person. Photos and location are geo-tagged and time-stamped in the ABMS app.
- 03
Cross-check
Our backend team checks the findings against independent sources, not just the applicant's papers.
- 04
Quality review
Every report is reviewed before release, and personal-discussion cases get a further professional look.
- 05
Report
A standardised report in your format reaches you, typically within 4 to 24 hours.
Accuracy
Every finding is cross-checked against independent sources, so your decision rests on facts, not paperwork.
Discretion
Customer and lender information is handled with care. Discreet checks stay discreet.
Accountability
Geo-tagged, time-stamped proof behind every report, and a named person you can call.
Speed
A 4 to 24 hour CPV turnaround, because your underwriting should never wait on us.
Ready to strengthen your risk workflow?
Tell us your locations, products and volumes. We will respond with a plan and turnaround commitments.
Talk to our team →