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AI-powered bank statement & loan SOA analysis

Detect the default before it happens.

Automate bank statement parsing, transaction classification, fraud checks, and early warning signal detection across scanned and ePDF statements — then get a decision you can put in front of a regulator, with the evidence attached to every signal.

  • ePDF Parsing
  • OCR Scanned PDFs
  • Balance Validation
  • Fraud Detection
  • Async API
  • JSON Output
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  • 64+Risk triggers
  • < 5 minProcessing time
  • 96%+Parsing accuracy
  • RBI 2024Aligned

The Problem

Manual review slows down risk decisions

Credit teams often spend valuable time reviewing bank statements manually — validating balances, checking transactions, identifying cash flows, and looking for signs of fraud or stress. This process is slow, inconsistent, and difficult to scale.

Manual & Slow

Credit teams spend hours reviewing statements line by line, limiting throughput.

Scanned PDFs

OCR errors and image-based statements make accurate data extraction unreliable.

Balance Errors

Opening and closing balances need careful manual cross-validation per statement.

Missed Fraud Signals

Suspicious patterns buried in thousands of transactions go unnoticed.

No Structured Data

Underwriting teams need clean data, not raw PDFs they must re-read.

Key Capabilities

Convert statements into reliable intelligence

The EWS engine processes bank statements and converts them into structured, validated, analysis-ready data for faster and more consistent decisions.

01

Bank Statement Parsing

Extracts account holder details, bank name, account number, IFSC, transaction dates, narration, debit/credit amounts, running balances, and statement period.

  • Account Details
  • Transactions
  • Metadata
02

ePDF & Scanned PDF Support

Handles digitally generated bank statements as well as scanned or image-based statements using OCR and AI-assisted processing pipelines.

  • OCR
  • AI Parsing
  • Image PDFs
03

Balance Continuity Validation

Checks transaction continuity using amount, type, and running balance logic to improve reliability of opening, running, and closing balances.

  • Continuity Check
  • Opening/Closing
  • Validation
04

Transaction Intelligence

Structures transactions into usable data for cash flow analysis, income assessment, EMI detection, salary checks, and repayment behaviour analysis.

  • EMI Detection
  • Salary Check
  • Cash Flow
05

Early Warning Signals

Identifies suspicious patterns: irregular credits, low balances, cash-heavy behaviour, bounced payments, negative balances, and circular transactions.

  • Risk Patterns
  • Bounces
  • SMA Bands
06

Fraud & Metadata Checks

Reviews statement metadata, modification indicators, suspicious formatting, inconsistent balances, and possible manipulation patterns.

  • Tampering
  • Fraud Signals
  • Forensics

How It Works

From upload to risk output

Seven steps from raw PDF to structured, actionable risk intelligence.

  1. 1

    Upload Statement

    Submit bank statement via API endpoint or dashboard interface.

  2. 2

    Detect & Validate

    System detects file type (ePDF / scanned) and validates input format.

  3. 3

    Processing Pipeline

    ePDF or OCR scanned processing pipeline is triggered automatically.

  4. 4

    Extract Data

    Transactions, account data, and balances are extracted and structured.

  5. 5

    Apply Validations

    Balance continuity and schema validations are applied across the data.

  6. 6

    Generate Risk Triggers

    64+ risk triggers, EWS analytics, and fraud signals are generated.

  7. 7

    Deliver JSON

    Final structured JSON response is delivered via callback or API.

Use Cases

Built for credit, risk & operations teams

From loan origination to fraud detection — the EWS engine fits wherever financial document intelligence is needed.

Loan Underwriting

Automate document processing in credit origination pipelines for faster decisions.

MSME Credit Assessment

Assess business health from current account and savings statements at scale.

Personal Loan Evaluation

Verify income, EMIs, salary credits, and spending patterns automatically.

Fraud Detection

Surface tampered statements, circular transactions, and balance inconsistencies.

Cash Flow Analysis

Map inflows, outflows, average balances, and liquidity trends over any period.

Income Verification

Detect salary credits, business receipts, and recurring income patterns.

Early Warning Monitoring

Proactively flag existing borrowers showing financial stress indicators.

API-Based Lending

Plug structured data directly into your LOS, LMS, or underwriting system.

Why Teams Choose EWS

Built for production lending workflows

Every feature is designed to reduce friction in the credit pipeline while increasing reliability and risk visibility.

Faster Turnaround

Reduce manual review time and process statements at scale without adding headcount.

Higher Consistency

Apply the same validation and risk logic across every single application automatically.

Better Risk Visibility

Surface hidden transaction patterns and early warning signals that manual review misses.

Scalable Processing

Handle async workloads with dedicated workers for scanned and ePDF statements.

API-Ready Output

Structured JSON responses that plug directly into underwriting, LOS, LMS, or risk systems.

Improved Fraud Detection

Identify balance mismatches, suspicious transactions, and possible tampering indicators.

Output Schema

Structured output for downstream decisions

Clean, validated JSON returned after every processing run — ready to plug into your systems without any transformation.

response.json 
"account_profile": { "name": "Rajesh Kumar", "bank": "HDFC", "ifsc": "HDFC0001234" }
"statement_summary": { "period": "Jan–Mar 2025", "total_credits": 3, "avg_balance": 42800 }
"transactions[]": { "date": "2025-01-15", "narration": "SALARY", "credit": 82000, "balance": 95200 }
"balance_continuity": { "opening": 13200, "closing": 71400, "validated": true }
"risk_triggers[]": { "type": "BOUNCE", "date": "2025-02-08", "severity": "HIGH" }
"ews_flags[]": { "flag": "CIRCULAR_TXN", "count": 3, "risk_score": 0.72 }
"processing_status": { "status": "completed", "pages": 4, "duration_ms": 2840 }
7 fields · all validated
account_profile
Account holder and bank identifier data
statement_summary
Summary metrics and statement period details
transactions[]
Full transaction-level extracted data
balance_continuity
Opening, closing, and running balance validation
risk_triggers[]
Risk assessment outputs and scoring
ews_flags[]
Early warning signal flags and severity levels
processing_status
Processing metadata, timing, and error info

Ready to automate your workflow

Turn bank statements into decision-ready data

Automate your bank statement analysis workflow and give your credit team faster, cleaner, and more reliable insights — from day one.

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