Bank Statement Analysis Lending API

Turn raw statements into actionable credit intelligence

Upload or fetch user bank statements and get back categorized insights on income, expenses, balance trends, bounced transactions, EMIs, and more.

Why Choose Our Bank Statement Analysis Lending API?

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Real-Time Financial Profiling

Get real-time insights into monthly average balance (MAB), savings, loans, cash deposits, salary credits, and more.

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Income Pattern Recognition

Automatically detect irregular salary payments, gig economy earnings, or seasonal business incomes.

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EMI & Liability Tracking

Detect and quantify existing EMI commitments directly from bank data (cross-checking with bureau data for consistency).

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Anomaly Detection

Use AI/ML models to flag patterns like sudden large transactions, inconsistent balance maintenance, or high bounce frequencies.

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Instant Underwriting with ML Scores

Use plug-and-play ML-generated health scores from transaction data (optional service) for low-code underwriting decisions.