Custom AI software that parses PDF bank statements from any Indian bank, categorises every transaction, extracts income, EMI obligations, and cash flow score — API output in under 3 seconds.
Illustrative — your schema and scoring model, your rules
From raw PDF to decision-ready JSON — every module your lending or fintech product needs.
Handles 60+ Indian bank statement formats — HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, IDFC First, PNB, Bank of Baroda. Password-protected, scanned (OCR), and digitally-signed PDFs all supported.
Every debit and credit is classified: salary, EMI, utility, investment, rent, UPI transfer, cash withdrawal, refund, and 40+ custom categories. Train on your own category taxonomy in 2 weeks.
Extracts average monthly credit, salary regularity, EMI burden, bounce history, and minimum balance trends. Outputs a 0–1000 cash flow score calibrated to your lending risk model.
Auto-flags: salary bounce, EMI defaults, gambling transactions, round-tripping (same-day in-out), suspicious cash patterns, income manipulation (end-of-month large credits), and fraud markers.
POST a PDF or bank statement URL, get back structured JSON in <3s: transaction array, category totals, income summary, EMI list, bounce events, and score. Integrates with any LOS or credit scoring system.
One-page HTML/PDF report for underwriters — transaction summary, income chart, EMI obligations, risk flags, and score with explanation. Reduces manual review time from 30 min to under 3 min.
For NBFCs, fintechs, and banks evaluating "bank statement analyser AI" or "bank statement analysis software India".
| Vendor | Type | Custom Categories | All 60+ Banks | Source Code | Pricing |
|---|---|---|---|---|---|
| XPndAI | Custom Dev | ✓ Full custom | ✓ 60+ banks | ✓ Yours | ₹6L–₹30L fixed |
| Perfios | SaaS API | ✗ Fixed taxonomy | ✓ 60+ banks | ✗ No | Per-call API fee |
| Karza Technologies | SaaS API | ✗ Fixed taxonomy | ⚡ Major banks | ✗ No | Per-call API fee |
| Finbox | SaaS Lending Stack | ⚡ Limited | ⚡ Major banks | ✗ No | Monthly SaaS fee |
| Bureau.id | SaaS Risk Platform | ⚡ Limited | ⚡ Major banks | ✗ No | Per-query + setup |
| Clayfin | SaaS Fintech | ⚡ Semi-custom | ⚡ Major banks | ✗ No | Project + SaaS |
XPndAI builds a fully custom bank statement analyser with your category taxonomy, risk model, and scoring rules — no per-call API fees, source code ownership, and full integration with your existing LOS, CRM, or credit engine. Ideal for NBFCs and fintechs that want to own the model, not rent it.
Own the software, own the model. No per-call charges after go-live.
Share your use case and which banks you need. We'll demo the analyser on your own data within 48 hours.