Upload any bank statement PDF and get a structured analysis — categorised transactions, cash-flow signals, salary detection, and a lending-ready report — in under a minute.
Average and end-of-month balance, inflow / outflow trend, negative-balance days, obligation-to-income ratio.
Salary auto-detected with employer and cadence. Freelance and rental income separated from other credits.
Bounced cheques, EMI misses, high-value cash deposits, and running-balance mismatches surfaced automatically.
PDF, CSV or image of the bank statement — 1 to 12 months per file, up to 50 MB.
Bank-specific parser plus OCR fallback pulls every transaction with date, amount, description, running balance.
Rule-based plus LLM-assisted categorisation, tuned per country (GST for India, VAT for UK/UAE/ZA, Schedule-C for US).
Cash-flow signals computed: salary, EMIs, bounce rate, volatility, average balance, negative-day count.
Downloadable JSON, PDF report, or Excel workbook with per-month sheets. API returns the same shape.
Underwrite personal, SME and MSME loans in minutes with an API that returns a scorecard, not just data.
Skip manual data entry — get categorised transactions and cash-flow snapshots ready for the ledger.
Monthly close, expense audit, and vendor-payment reconciliation from a single statement upload.
Bank statement analysis is the process of extracting transactions from a bank statement (PDF, CSV or image), categorising them, and computing behavioural signals — average balance, salary regularity, EMI load, bounced-cheque count, cash-flow volatility — that lenders, CAs, and finance teams use to make decisions.
Lenders score applicants on cash-flow signals derived from 3–12 months of statements: net inflow trend, salary consistency, obligation-to-income ratio, bounce rate, negative-balance days, and volatility. Automated analysis turns a 2-hour manual review into a 30-second report and removes human bias.
Average and end-of-month balance, salary detection with employer, recurring debits (EMIs, rent, subscriptions), inward and outward cheque returns, high-value transactions, cash deposits vs digital, GST outflows (India), UPI vs card mix, and negative-balance day count.
Yes. OCR handles image PDFs; running-balance reconciliation catches any parser drift and flags it before the report is generated.
Yes — download the full analysis as JSON, PDF report, or a structured Excel workbook with per-month sheets. API also available for lenders integrating into their loan-origination stack.
Upload a PDF and see the categorised transactions, cash-flow signals and downloadable report in under a minute.
Analyse a statement