LendSystem
GSTR Analyzer
Simplify underwriting using GSTR insights — instantly.
LendSystem's GSTR Analyzer connects directly to the GSTN portal to pull verified filing data, turnover trends, and ITC patterns — transforming raw GSTR returns into decisioning-ready business financial profiles for faster, smarter credit underwriting.
GSTIN Capture
Borrower provides their GSTIN. System validates registration status, business name, and filing history in real time.
Live GSTN Data Pull
GSTR-1, GSTR-3B, and GSTR-2A data fetched directly from GSTN via authorised API — no manual uploads, always fresh.
Turnover Profiling
Month-wise and annual turnover trends computed from declared sales, B2B invoices, and ITC claimed across all return periods.
Compliance Scoring
Filing regularity, nil-return frequency, late filing penalties, and ITC-to-turnover ratios scored for creditworthiness signals.
Underwriting Output
A structured credit insight report with turnover bands, compliance grade, risk flags, and lender-ready financial summaries.
Live GSTN API Integration
Direct GSTN-authorised API pull fetches GSTR-1, GSTR-3B, and GSTR-2A returns in real time — no PDFs, no manual uploads, always government-verified data.
Turnover Trend Analysis
Month-wise, quarterly, and annual declared turnover extracted and benchmarked — with seasonality detection, growth rate, and revenue stability scoring.
Compliance & Filing Health Score
Tracks filing regularity, nil-return flags, late submissions, and ITC mismatches across all return periods to generate a lender-grade compliance score.
Risk Signal & Fraud Detection
Identifies suspicious ITC-to-sales ratios, sudden turnover spikes, frequent amendments, and GSTIN mismatches that indicate fabricated or inflated returns.
GSTIN Validation
Real-time GSTN registry check for registration status, business type, state, and filing history before any analysis begins.
Returns Parser
Parses GSTR-1, GSTR-3B, and GSTR-2A to extract taxable turnover, outward supplies, ITC, and tax liability per period.
Turnover Intelligence
Computes declared annual turnover, month-wise trends, peak seasons, and YoY growth for accurate income estimation.
Compliance Scorer
Generates a 0–100 compliance health score based on filing frequency, on-time submissions, and nil-return ratios.
ITC & Mismatch Analyser
Cross-validates ITC claimed in GSTR-3B against GSTR-2A supplier data to flag inflated credits and reconciliation gaps.
API & Consent Integration
REST API with AA-framework and GSTN-authorised consent-based data pull for seamless lender system integration.
Underwrite Smarter with GST Intelligence
Join leading NBFCs, banks, and fintechs replacing manual ITR verification with instant GSTN-verified business insights.