Master the Art of
Santulan AI.
Bridge the gap between raw data and actionable intelligence — the most sophisticated banking and GST analysis engine in India.
A complete suite of AI-powered financial intelligence tools — built for banks, NBFCs, and fintech enterprises.
Our Solutions
Automated Underwriting
Manual statement review takes hours per applicant, introduces human error, and slows loan decisioning.
Upload raw PDFs → get structured income, obligation, and creditworthiness data in seconds. Outputs a ready-made Lending Opinion card.
Credit Risk Assessment
Assessing repayment capacity from messy transaction data requires deep expertise and time.
Auto-generated Credit Assessment report with income stability scoring, obligation ratios, EMI detection, and repayment capacity.
Cash Flow Intelligence
Understanding real business health requires analyzing months of transactions across multiple accounts.
Cash Flow Analysis + Working Capital report with inflow/outflow trends, liquidity stress days, OD/CC utilisation, and seasonality patterns.
Fraud & Anomaly Detection
Fraudulent applicants manipulate bank statements — round-tripping, inflated credits, staged transactions.
Fraud Detection report auto-flags suspicious patterns, anomalies, and round-trip transactions before they reach a credit officer.
GST & Tax Compliance Verification
Reconciling declared GST turnover against actual bank credits is done manually today.
GST Reconciliation report auto-detects GST/TDS payments and cross-checks bank credits against implied turnover — flagging divergence instantly.
Fintech & LOS Integration (API)
Building statement analysis in-house is expensive and slow.
Plug in via Vendor REST API — submit a PDF, get back structured JSON + Excel report via webhook. No UI needed, fully embeddable.
MSME & SME Lending Intelligence
MSME borrowers lack audited financials — bank statements are the only source of truth.
Vintage & Stability, Peer Benchmarking, Business vs Personal Expense Split, and Counterparty Analysis give a complete MSME financial profile without any ITR or balance sheet.
Beyond Standard
Analytics.
Santulan goes far deeper than traditional bank statement parsing — delivering decisioning-grade intelligence that lenders can act on immediately.
Ready to redefine your
financial balance?
Join leading NBFCs, banks, and fintech platforms already using Santulan to process statements in under 2 minutes — with lending-grade accuracy.
Your Challenge. Our Answer.
Every lending inefficiency has a proven Santulan solution — matched precisely to your needs.
The Problem
Manual Bank Statement Review
30+ minutes reviewing each statement manually with high error risk
Bank Statement Analyser
Process in 3 minutes · 99.2% accuracy
The Problem
Inaccurate Credit Scoring
Incomplete data leads to wrong decisions and high default rates
AI Credit Scoring
Full financial context · consistent decisions
The Problem
Manual GST Compliance
Reconcile GST returns with invoices manually every month
GST Analyser
Auto-reconcile · compliant GSTR reports
The Problem
Slow KYC Onboarding
Days-long verification process due to manual document checks
KYC Engine
Verify in 5 seconds · 99.8% accuracy
The Problem
Poor Cash Flow Visibility
No real-time insight into business cash position or forecasts
Cash Flow Statement
Real-time statements · AI forecasts
The Problem
Fraud Detection Failures
Suspicious transactions missed until after the damage is done
Anomaly Detection
Real-time alerts · 98.5% detection rate
Trusted by India's Leading Lenders
Banks, NBFCs, and fintech companies rely on Santulan for credit decisions affecting millions of borrowers.
“Santulan's Bank Statement Analyser reduced our underwriting TAT from 3 days to 2 hours. We can now approve MSME loans at scale without compromising credit quality. Fraud detection alone has saved us from multiple statement manipulation attempts.”
Rajesh Kumar
Head of Credit Operations
Leading NBFC, India
“The GST integration is a game-changer for MSME underwriting. We can now assess businesses that were previously unbankable. Circular trading detection has caught sophisticated fraud schemes we would have missed.”
Priya Sharma
VP, Digital Lending
Fintech Startup
“Santulan democratized credit analytics for cooperative banks. What took us days to analyze manually now takes minutes. The consistency in underwriting decisions has improved our portfolio quality significantly.”
Amit Patel
Chief Risk Officer
Cooperative Bank Network
