Side-by-Side Comparison
Santulan AI vs. Perfios
Modernizing Credit Underwriting.
Evaluating bank statement analysis platforms for your bank or NBFC? See how Santulan AI delivers faster TAT, superior fraud detection, and modern developer APIs.
Feature / Capability
Santulan AI
Perfios
Processing Speed (TAT)
Under 90 seconds (Real-time async)
3 – 10 minutes depending on queue
Circular Trading Detection
Native AI round-tripping & liability shield flags
Basic velocity checks
Developer Experience & API
Modern REST API, webhooks, sandbox in 5 minutes
Legacy SOAP / complex XML endpoints
UI & Decisioning Dashboard
Modern visual dashboard with 1-click Lending Opinion
Traditional tabular Excel outputs
Pricing Transparency
Pay-as-you-go & clear tier pricing without lock-ins
Custom annual contracts with minimum commitments
GST Cross-Reconciliation
Direct GSTN sync & bank cashflow cross-matching
Supported via separate module
Bank Format Coverage
300+ Indian banks & co-operative banks
Extensive legacy coverage across Indian banks
Ready to Upgrade Your Statement Analysis Pipeline?
Run a side-by-side POC using your own sample bank statements. See the speed, accuracy, and fraud detection difference in 15 minutes.