Automated Underwriting Tool

Bank Statement Analysis
in Under 60 Seconds

Built for Indian NBFCs and lending teams. Upload any bank statement PDF and get instant risk scores, salary verification, EMI analysis, and bounce detection.

60s

Analysis Time

14+

Banks Supported

Data Points

95%

Accuracy

How It Works

Three steps.
Complete underwriting data.

No integration required. Just upload and get results.

Step 01

Upload PDF or Image

Drop any Indian bank statement — PDF, JPG, or PNG. Password-protected PDFs supported. 14+ banks including HDFC, SBI, ICICI, Axis, Kotak.

Step 02

Smart Processing

Our system reads every transaction, identifies salary credits, detects EMIs, flags bounces, and calculates average balance.

Step 03

Get Results

Receive structured data with 6 key data points plus a 1–10 risk score. Ready to feed directly into your underwriting workflow.

💰

Verified Monthly Salary

Identifies recurring salary credits and verifies consistency across months.

⚠️

Bounced Cheque Count

Flags every bounce event — a critical signal for creditworthiness.

📊

Risk Score (1–10)

Composite risk score based on balance stability, bounces, and income.

🏦

Total EMI Outflow

Detects all recurring EMI debits to calculate actual disposable income.

📈

Average Balance

Rolling average balance across the statement period.

📋

Executive Summary

Plain-language summary of key findings for your credit team.

Sample Output

See Exactly What You Get

Real output format — data below is illustrative only.

Analysis Complete — HDFC Bank Statement

Risk 6/10 — Medium Risk

Monthly Salary

₹45,000

Avg Balance

₹12,340

Total EMI

₹8,500

Bounced Cheques

Executive Summary

Applicant shows consistent salary credits of ₹45,000 monthly. Two bounce events detected in the last 90 days indicate moderate repayment risk. EMI-to-income ratio is 18.9%, within acceptable range. Average balance is low relative to EMI obligations — recommend cautious lending with a reduced loan amount.

* Sample output for illustration only

Why ClearStatement

Replace Manual Review.
Save 2 Hours Per Application.

✗ Manual Process

✗2–3 hours per statement

✗Error-prone Excel analysis

✗₹500–2000 analyst cost per file

✗Inconsistent scoring criteria

✗No audit trail or history

✓ ClearStatement

✓60 seconds per statement

✓AI-powered consistent output

✓₹17–33 per scan

✓Standardised 1–10 risk score

✓Full scan history in dashboard

Enterprise Trust

Built for Bank-Grade Compliance

Financial data requires the highest level of care.

🔒

Zero Data Storage

We do not store your PDFs. Data is analyzed in temporary secure memory and wiped instantly after the scan.

🛡️

End-to-End Encryption

All statements are uploaded via 256-bit SSL encrypted channels, ensuring zero interception.

✅

Privacy Focused

Built for internal NBFC audits. We operate as a zero-knowledge engine, keeping your customer data private.

FAQ

Common Questions

Which banks are supported?+

Is my customer data stored?+

How long does activation take after payment?+

What if the analysis result is wrong?+

Do you support password-protected PDFs?+

Can we integrate this into our loan system?+

🛡️ Bank-Grade Analysis

🗑️ Auto-Wipe Active

Secure Gateway

Upload a Statement

1 Free Scan — No Login Required

📄

Drop your bank statement here

or click to browse — PDF or image (JPG, PNG), max 10MB

HDFC BankSBIICICI BankAxis BankKotak Mahindra BankPunjab National BankBank of BarodaCanara BankUnion BankIndusInd BankYes BankIDFC First BankFederal BankRBL Bank

PDF Password (if password-protected)

Already have an account? Log in here

Pricing

Simple, Transparent Pricing

Pay via NEFT, RTGS, or UPI. Scans credited after verification. All plans are one-time payments.

For individuals

Starter

₹499

₹499 · One-time

15 Scans · Valid 12 months

15 bank statement scans
Risk score + JSON output
Email support (24hr response)
60-second analysis

Bank Statement Analysisin Under 60 Seconds

Three steps.Complete underwriting data.