Analyze Any Bank Statement in Under 2 Minutes
AI-powered extraction from 300+ Indian bank formats. Verify income, detect fraud, and assess creditworthiness — instantly.
From Upload to Credit Report in 5 Steps
Upload Statements
PDF or scanned images from any Indian bank
AI Extraction
Parse every transaction automatically
Classification
Income & expense categorization
Fraud Check
Detect manipulation & anomalies
Report
Credit-ready output in 2 minutes
What Makes Us Different
300+ Bank Formats
- All major Indian banks
- Public & private sector
- Cooperative banks
- Scanned images & PDFs
99%+ Accuracy
- AI trained on Indian transactions
- Context-aware classification
- Multi-pass validation
- Manual review option
Fraud Detection
- Font inconsistency detection
- Running balance validation
- Circular trading detection
- Statistical anomaly flagging
Use Cases Across Lending
Retail Lending
Verify salaried & self-employed income. Assess repayment capacity instantly.
MSME Lending
Analyze business cash flows. Reconstruct financials for underbanked entrepreneurs.
Credit Risk Assessment
Feed analysis into risk models for accurate, consistent scoring.
Fraud Prevention
Flag manipulated statements before they cause losses.
Portfolio Management
Periodically re-analyze to detect deteriorating cash positions early.
LOS Integration
Embed bank statement analysis into your loan origination system via API.
Why Santulan is the Best Bank Statement Analyser for MSME Credit
63M+ MSMEs lack formal financials. Santulan extracts everything lenders need from bank statements alone — no ITR, no balance sheet required.
Business vs Personal Separation
AI separates business transactions from personal expenses — critical for self-employed MSME borrowers who use one account for everything.
Cash Flow Reconstruction
Reconstruct GAAP-compliant cash flow statements from raw transactions — gives lenders audited-equivalent financial data without requiring ITR.
GST Cross-Validation
Cross-validate bank credits against GSTN filing data to verify actual MSME turnover and catch income inflation attempts.
Customer & Supplier Intelligence
Identify top counterparties, detect customer concentration risk, and flag single-customer dependency — essential for MSME portfolio quality.
Circular Trading Detection
Auto-detect round-tripping, self-transfers, and staged transactions that inflate MSME revenues — catches sophisticated fraud schemes.
AI Health Score
Instant AI-generated credit opinion (0–100 score) with repayment capacity, obligation ratio, and income stability — designed for MSME underwriting at scale.
How Santulan Compares for MSME Underwriting
Santulan goes beyond extraction — it's a complete MSME credit intelligence platform.
| Feature | Santulan AI | Other Tools |
|---|---|---|
| Formats supported | 300+ Indian banks | 200–850 (varies) |
| MSME-specific reports | 11 report types | 3–5 generic reports |
| GST cross-validation | ✓ Built-in GSTN sync | ✗ Not available |
| AI Health Score | ✓ Instant credit opinion | ✗ Manual interpretation |
| Business/personal split | ✓ Automated AI | Partial / manual |
| Circular trading detection | ✓ Real-time flagging | Limited |
| Cash flow reconstruction | ✓ GAAP/IFRS compliant | Basic summary only |
| Processing time | < 2 minutes | 8 seconds – 10 minutes |
Start Automating
Bank Statement Analysis
Join banks, NBFCs, and fintech companies processing thousands of statements daily with 99%+ accuracy.