Your team spends 2–4 hours reading every loan file manually. XPndAI Extract reads bank statements, salary slips, ITR, Form 16, property documents, and KYC files — structured JSON output in under 5 seconds. Plug into your LOS via REST API.
POST any document. Get structured JSON back. Confidence scores per field. Integrate in an afternoon.
// POST /v1/extract — bank statement { "document_type": "bank_statement", "file": "hdfc_apr_jun_2026.pdf", "options": { "cash_flow_summary": true, "classify_income": true } }
{
"account_holder": "Ravi Kumar",
"bank": "HDFC Bank",
"period": "Apr–Jun 2026",
"avg_monthly_balance": 84200,
"total_credits": 312800,
"salary_credits": [
{ "amount": 95000, "employer": "ABC Pvt Ltd" }
],
"emi_debits": [{ "amount": 32000, "label": "Home Loan EMI" }],
"transactions": 127,
"confidence": 0.97
}Auto-read every inbound loan application. Bank statement parsed, income classified, cash flow calculated — before the credit officer opens the file.
REST API pushes structured document data directly into your Loan Origination System. No manual data entry, no re-keying errors.
Feed structured bank statement JSON into your underwriting AI. XPndAI Extract + XPndAI Underwriting Agent = fully automated credit pipeline.
DSAs submit loan files as PDFs. Extract AI processes them, flags missing documents, and routes complete files to the lending team automatically.
Supplement AA-sourced data with PDF bank statement parsing for customers without AA consent. Same structured output format.
Embed document extraction in your borrower-facing app. Customer uploads salary slip → your app reads income in 3 seconds.
Start with 50 free test pages. Pay per page after that — no subscription required at low volumes. Enterprise pricing for 1,000+ documents/month.
Loan document AI is a software system that reads, extracts, and structures data from loan application files — bank statements, salary slips, ITR, Form 16, KYC documents, and property papers — without manual review. XPndAI Extract uses custom AI models trained on Indian lending documents to produce structured JSON output with 95%+ field accuracy. Outputs feed directly into your LOS, underwriting AI, or credit dashboard.
XPndAI Extract supports 40+ Indian bank formats including HDFC, SBI, ICICI, Axis, Kotak, Yes Bank, PNB, Bank of Baroda, IndusInd, IDFC, AU Small Finance, and more. Both PDF-generated statements and scanned images are supported. Multi-month statements, Net Banking PDFs, and mobile banking statements are all handled. Custom bank formats can be added in 5–7 days.
Manual processing of one loan file (bank statement + salary slip + KYC + ITR) takes a credit analyst 2–4 hours. XPndAI Extract processes the same file in under 30 seconds. Accuracy for structured fields (salary amount, EMI debit, account balance) is 95%+ vs typical 92% manual accuracy. The primary benefit is speed and consistency — same extraction logic applied uniformly, no fatigue, no oversight.
Yes. XPndAI Extract provides a REST API that integrates with any LOS (Loan Origination System) via webhook or direct API call. We support Finflux, LoanTap, custom LOS, and any system with an API. Integration typically takes 1–2 weeks. For LOS vendors without API access, we provide a batch processing pipeline that reads files from S3/GCS and pushes JSON to your database directly.
Upload a bank statement or salary slip — get structured JSON back. Free 50-page test. India lending documents only.
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