Intelligence for
India's lenders.

Deep-dives on credit analytics, AI in fintech, MSME lending, and building better underwriting infrastructure.

How AI Is Transforming Bank Statement Analysis in India

India's lending ecosystem processes millions of bank statements every month — manually. Here's why that's about to change, and what AI-powered analysis actually looks like under the hood.

Gourav Dalal

24 Apr 2026 · 7 min read

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Credit & Underwriting

Understanding FOIR: The Metric Lenders Rely On Most

Fixed Obligation to Income Ratio (FOIR) is the single most important number in retail credit underwriting. Here's how it's calculated, why it matters, and where it breaks down.

Gourav Dalal

5 min read

Compliance

GST Intelligence: What Your Clients' Filing History Actually Reveals

Most lenders look at GST returns for turnover figures. The real signal is in the filing behaviour — consistency, amendments, ITC patterns, and the gap between declared and banking turnover.

Subhalaxmi Das

6 min read

MSME Lending

Salary Credits vs Business Income: Why the Distinction Matters for MSME Lending

Misclassifying income type is one of the most common errors in MSME credit assessment. The downstream effects — wrong FOIR, wrong income estimate, wrong risk rating — compound fast.

Gourav Dalal

5 min read

Credit & Underwriting

The Hidden Cost of Manual Underwriting in NBFC Operations

The obvious cost of manual credit processing is analyst salaries. The real costs are invisible: slower TAT, inconsistent decisions, and the good loans you didn't make because the queue was too long.

Naveen Upadhyay

4 min read

Credit & Underwriting

Cash Flow vs Profit: Why Lenders Should Care About Both

A business can be profitable and insolvent at the same time. Understanding why — and what bank statements tell you that P&L statements don't — is fundamental to responsible MSME credit.

Subhalaxmi Das

6 min read

AI & ML

How to Build a Fraud-Resilient Bank Statement Analysis Pipeline

Statement fraud in India has evolved from crude edits in Notepad to professionally fabricated PDFs. Here's what a modern detection architecture actually needs to catch it reliably.

Subhalaxmi Das

8 min read

MSME Lending

India's MSME Credit Gap: How AI Can Help Close It

India's 63 million MSMEs have a formal credit gap of over ₹20 lakh crore. The barrier isn't willingness to lend — it's the absence of analytical infrastructure to assess risk at scale.

Naveen Upadhyay

7 min read

Product

Best Bank Statement Analysis Software for NBFCs and Banks in India (2026)

Choosing bank statement analysis software is one of the most consequential technology decisions an NBFC or bank's credit team makes. Here's how to evaluate the market in 2026.

Gourav Dalal

7 min read

Product

Perfios vs ScoreMe vs Santulan AI: Bank Statement Analyser Comparison 2026

Choosing between Perfios, ScoreMe, Precisa, and Santulan AI for bank statement analysis? This vendor comparison covers accuracy, pricing, format support, API quality, and MSME suitability.

Naveen Upadhyay

9 min read

Compliance

Best GST Analyser Tools for NBFC Credit Teams (2026)

For NBFCs lending to MSMEs, GST data is the most underutilised credit signal available. This guide covers what a good GST analyser does and what credit teams should expect from it.

Subhalaxmi Das

6 min read

Credit & Underwriting

How to Read a Bank Statement for Credit Assessment: Step-by-Step Guide

A structured guide to analysing bank statements for credit decisions — covering income verification, EMI detection, cash flow patterns, fraud signals, and MSME-specific nuances.

Gourav Dalal

10 min read

Compliance

RBI Digital Lending Guidelines: A Practical Compliance Guide for NBFCs (2026)

The RBI's digital lending framework requires NBFCs to rethink data collection, consent, and vendor relationships. Here's what the guidelines mean in practice for credit technology stacks.

Subhalaxmi Das

7 min read

MSME Lending

MSME Loan Assessment: What Lenders Look for in Bank Statements

A practical checklist of what credit analysts and automated systems examine in MSME bank statements — covering income, obligations, cash flow health, fraud signals, and GST cross-checks.

Naveen Upadhyay

6 min read

AI & ML

Bank Statement OCR: How Modern Systems Parse 300+ Bank Formats in India

Parsing bank statements from 150+ Indian banks accurately requires far more than generic OCR. Here's a technical breakdown of how modern bank statement analysis platforms handle format diversity.

Subhalaxmi Das

7 min read

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Intelligence forIndia's lenders.

How AI Is Transforming Bank Statement Analysis in India

Understanding FOIR: The Metric Lenders Rely On Most

GST Intelligence: What Your Clients' Filing History Actually Reveals

Salary Credits vs Business Income: Why the Distinction Matters for MSME Lending

The Hidden Cost of Manual Underwriting in NBFC Operations

Cash Flow vs Profit: Why Lenders Should Care About Both

How to Build a Fraud-Resilient Bank Statement Analysis Pipeline

India's MSME Credit Gap: How AI Can Help Close It

Best Bank Statement Analysis Software for NBFCs and Banks in India (2026)

Perfios vs ScoreMe vs Santulan AI: Bank Statement Analyser Comparison 2026

Best GST Analyser Tools for NBFC Credit Teams (2026)

How to Read a Bank Statement for Credit Assessment: Step-by-Step Guide

RBI Digital Lending Guidelines: A Practical Compliance Guide for NBFCs (2026)

MSME Loan Assessment: What Lenders Look for in Bank Statements

Bank Statement OCR: How Modern Systems Parse 300+ Bank Formats in India

Credit intelligence, in your inbox.

Intelligence for
India's lenders.

Credit intelligence,
in your inbox.