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Bank Statement Analyzer

Upload once. Understand everything — instantly.

LendSystem's BSA transforms raw bank statements into actionable financial intelligence. From income verification and cash flow mapping to fraud signals and bureau-ready insights — every transaction is parsed, categorised, and scored in seconds.

AI POWERED
< 5 Sec STATEMENT PARSING
300+ BANKS SUPPORTED
Auto TRANSACTION TAGGING
99.8% ACCURACY RATE
How It Works
BSA in 5 Simple Steps
From raw PDF upload to a complete financial profile — fully automated, zero manual effort, instant decisioning-ready output.
1

Statement Upload

Upload PDF or net-banking Excel statements from 300+ banks — or pull directly via account aggregator APIs.

2

Parsing & Extraction

AI-powered parser extracts every transaction, balance, and metadata with 99.8% accuracy — no templates needed.

3

Auto Categorisation

Every debit and credit is tagged: salary, EMI, rent, utility, investment, cash withdrawal, and 50+ more categories.

4

Financial Profiling

Income, obligation, savings, and spending patterns are computed with month-wise trend analysis and stability scores.

5

Decisioning Output

A structured JSON report with creditworthiness scores, red-flag alerts, and bureau-ready financial summaries.

Key Features
What Powers Our BSA
Every intelligence layer your underwriting team needs — from income detection to fraud signals — in one unified, plug-and-play platform.

AI-Powered Transaction Parsing

Proprietary ML models parse statements from 300+ banks — PDF, Excel, net-banking exports — with no manual template configuration required.

Income & Obligation Detection

Auto-identifies salary credits, business receipts, EMI debits, loan repayments, and recurring obligations to compute real net income.

Fraud & Risk Signal Detection

Flags round-tripping, high cash withdrawals, frequent bounces, sudden balance spikes, and other patterns that indicate fabricated or manipulated statements.

Cash Flow & Trend Analytics

Month-wise income stability, average balance, spending volatility, and obligation-to-income ratio — all computed and benchmarked automatically.

Platform Modules
A Complete BSA Ecosystem
Whether you are an NBFC, bank, or fintech — our BSA adapts to any statement format, volume, and underwriting workflow.

Multi-Format Parser

Supports scanned PDFs, digital PDFs, Excel exports, and net-banking CSVs from 300+ Indian and global banks.

Transaction Categoriser

Auto-tags 50+ transaction categories — salary, EMI, rent, UPI, NEFT, cash, investments, and more.

Income Analyser

Detects regular income sources, freelance receipts, and business credits with month-wise trend scoring.

Fraud Detection Engine

Identifies statement tampering, round-tripping, abnormal spikes, cheque bounces, and cash-heavy patterns.

Obligation Mapper

Maps all recurring debits to known EMI, loan, insurance, and utility obligations for accurate FOIR computation.

API & AA Integration

REST API for real-time analysis plus Account Aggregator (AA) framework support for consent-based statement pull.

Live Insights
BSA Performance Dashboard
Real-time analytics across every statement analysed — parsing speed, income accuracy, fraud signals caught, and decisioning output quality.
Statements Analysed
48,921
↑ 22% this month
Parse Accuracy
99.8%
↑ 0.3% vs last
Avg. Parse Time
< 5 Sec
↓ 1.2s faster
Fraud Flag Rate
3.4%
↑ 0.6% flagged
Monthly Statements Processed LIVE
Transaction Category Mix
Salary — 35%
EMI / Loans — 27%
Utilities — 18%
Cash / UPI — 20%
Analysis Accuracy Funnel
Uploaded
100%
Parsed
99%
Categorised
97%
Profiled
95%
Scored
93%
Processing Speed
Upload < 1 sec
OCR Parse ~2 sec
Categorise ~1 sec
Income Calc ~0.5 sec
Report Gen < 1 sec
Weekly Fraud Detection Trend
Get Started

Unlock Instant Financial Intelligence

Join leading NBFCs, banks, and fintechs making faster, smarter credit decisions with LendSystem BSA.