Bank statement analysis, automated

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.

Whether income is regular and from whom, how much of it is already committed to debt, whether the account runs negative, how volatile cash flow is month to month, and whether there are returned cheques or unusual cash activity.

Three months shows current behaviour; six to twelve months is needed to see seasonality, salary changes and bounce history. Lenders typically require six.

Yes — the running-balance reconciliation, font and layout consistency checks, and PDF metadata inspection flag edited pages for manual review.

Yes. Statements from different banks and currencies are normalised into one timeline before the signals are computed.

A bank statement is a periodic document issued by your bank listing every transaction on an account for a period — usually one month. It shows the opening balance, each debit and credit with a date and description, and the closing balance. Banks issue it as a PDF, a printed copy, or a downloadable CSV/OFX file.

Sign in to your bank's internet banking or mobile app, open the account, choose Statements (sometimes 'e-statements' or 'Documents'), pick a date range, and download the PDF. Most banks keep 12–24 months online; older periods are requested from a branch or support. You can upload the downloaded PDF here directly — no need for the CSV version.

As a rule of thumb keep them seven years if they support a tax return, three years for general business records, and at least one year for personal budgeting. Digital copies count in most jurisdictions, so converting statements to Excel or CSV is a valid way to archive them in a searchable form.