Bank Statement Analyzer

Every statement, read like your best credit analyst.

Upload a statement from any of 65+ Indian banks. Get back verified balances, salary credits, EMIs, bounces and income consistency — structured, scored and ready for your credit policy in seconds.

Analyze a sample statement Book a demo →

Free trial credits included. PDF, image and Finvu AA formats. Password-protected PDFs handled.

Analysis report HDFC BANK · A/C ••••4521 · 6 MO

No tampering detected Analyzed in 0.62s

What you get

A complete financial picture, not just extracted text

Every field a credit team needs to move from "statement received" to "decision made."

Automated data extractionEvery transaction, balance and account detail pulled from PDF, image or Account Aggregator format — no manual entry, any template quality.

Income & salary detectionSalary credits identified and checked for consistency month over month — so stated income can be verified, not assumed.

EOD balance summaryEnd-of-day and monthly average balances computed across the full period — the inputs your FOIR and eligibility rules run on.

Transaction categorizationInflows and outflows classified — salary, EMIs, rent, UPI spends, cash deposits — with recurring obligations surfaced automatically.

Bounce & anomaly flagsCheque returns, penal charges and irregular activity flagged with dates and amounts — early signals your risk policy can act on.

Decision-ready outputEverything returned as structured JSON, spreadsheet or dashboard view — plug the results straight into your LOS or credit engine.

How it works

From upload to insight in four steps

Upload statement

Select the bank, then drag & drop the file — PDF, image or Finvu AA format. Password-protected PDFs handled in the flow.

Extract & process

AI reads every field and transaction on the page, across any of 65+ bank templates.

Account summary

Extracted data is structured into a clean account summary — holder, balances, inflows, outflows.

Analytics & insights

Monthly balance trends, EOD summaries, salary consistency and category analysis, delivered to your dashboard or API.

For developers

One POST request. A complete credit file back.

REST API with full documentation, sandbox credits and predictable response schemas. What your decision engine consumes is exactly what you see here.

JSON, text or spreadsheet output

Webhook or synchronous response

Sandbox with free trial credits

99.99% uptime in production

Read the API documentation →

POST /v1/statement/analyze

{
  "status": "success",
  "account": {
    "holder": "R. Sharma",
    "bank": "HDFC Bank",
    "number_masked": "••••4521"
  },
  "summary": {
    "period_months": 6,
    "avg_monthly_balance": 284300,
    "salary_credits": 86000,
    "salary_consistency": "6/6 months",
    "existing_emi_total": 22400,
    "bounce_count": 0
  },
  "flags": [],
  "confidence": 0.964
}

Which one do you need?

Bank Statement Analyzer vs Advanced

Start with statement analysis. Move to Advanced when you want fraud checks and identity verification in the same call.

Capability

Analyzer

Advanced

Balance, transaction & income analysis

✓

EOD & monthly balance summaries

✓

Transaction categorization

✓

Document tamper & fraud checks

—

✓

PAN + UAN identity cross-check

—

✓

WhatsApp & gender verification

—

✓

Experian credit bureau integration

—

✓

Doing unsecured lending? Most NBFCs choose Advanced Bank Statement Analyzer →

FAQ

Questions teams ask before integrating

What data can be extracted from bank statements?

Income patterns, transaction details, salary credits, recurring expenses and EMIs, EOD and average balances, bounce events, and account details — everything needed to assess financial stability.

Which banks and formats are supported?

65+ Indian banks — from SBI and HDFC to small finance, payments and co-operative banks — in PDF and image formats, plus the Finvu Account Aggregator format. Password-protected PDFs are handled in the upload flow.

How quickly does the API return results?

Typically under a second per document; complex multi-month statements may take a few seconds. Responses can be synchronous or delivered by webhook.

Does it categorize transactions and provide analytics?

Yes — transactions are classified into salary, EMIs, rent, transfers and spend categories, with monthly trends, income consistency and cash-flow analysis included in every report.

Is the extraction process secure?

Every document is encrypted in transit and at rest, processed with consent, stored on Indian infrastructure with role-based access, and covered by a full audit trail.

What if I also need fraud and identity checks?

That's the Advanced Bank Statement Analyzer — the same analysis plus tamper detection, PAN/UAN cross-checks, WhatsApp verification and Experian bureau data in a single call.

Works well with

Complete the credit file

Advanced Bank Statement AnalyzerStatement analysis plus fraud checks, identity verification and bureau data in one call.Explore →

Experian: Credit BureauFull credit accounts and scores for a complete creditworthiness view.Explore →

Income Tax Return VerificationConfirm ITR filing status to corroborate the income you see in the statement.Explore →