Read twelve months of bank statements in the time it takes to open them
Statement Analyzer reads e-statements and scanned PDFs, finds hidden EMIs, cheque returns and circular transfers, builds a credit health index, and runs your underwriting rules to produce a draft decision for your officer.
- Built for
- NBFCs, cooperative banks, small finance banks and digital lenders
- Used by
- Credit analysts, underwriters and credit managers
- Plugs into
- Your loan origination system, Account Aggregator and bureau feeds
Bank Statement Credit Analyzer and Underwriting Engine
Two analysts can read the same statement and reach different conclusions. Borrowers notice the difference.
Credit analysts spend hours keying statement data into spreadsheets, and the checks they run depend on who is doing them. Undeclared loans and round-tripping slip through when the queue is long.
Statement Analyzer does the reading and the arithmetic. Your analysts get the flags, the ratios and the policy result in one screen, and spend their time on the cases that need judgement.
What Statement Analyzer does
Statement parsing
PDF, scanned and Account Aggregator statements from Indian banks, with transaction categorisation.
Hidden obligation detection
NACH, ECS and standing-instruction debits matched against declared loans.
Fraud signals
Circular transfers, sudden cash deposits, edited PDFs and balance mismatches.
Credit health index
One score from cash-flow stability, obligations and conduct, with each factor shown.
Policy rules engine
Your FOIR, balance cover and conduct rules, versioned and set by your credit team.
Decision drafts
Pass, refer or decline with reasons; your officer makes the call.
Your credit policy, applied the same way on every file
The underwriting view lists each rule, the applicant’s value and your threshold. When a case needs a person, it says why and what to ask the applicant for.
- Policies by product: MSME, personal, vehicle or gold loan rule sets, each with its own version history.
- Officer actions: request documents, approve with conditions or decline with a recorded reason.
- Exportable report: a PDF analysis for the credit file and the sanctioning committee.
What changes for your teams
Faster turnaround
Built to take statement review from days to minutes for most files.
One standard of rigour
Every application is checked against the same rules.
Fewer surprises after disbursal
Undeclared obligations surface before the sanction, not after.
Your credit team makes every decision
Elite Wealth Tech Club is a software company, not a lender or credit bureau. Scores, flags and draft decisions support your officers; credit policy, thresholds and final decisions belong to your institution and follow your board-approved policy.
Ready for your IT, security and risk teams
Every product in every suite shares the same enterprise foundation, so a second product goes live faster than the first.
API-first
REST APIs and webhooks for every function, with sandbox keys, so your teams can build on top or embed in existing channels.
Role-based access
Roles, maker and checker steps, branch and team scopes, and field masking for personal data.
Deploy where you need
On your premises, in your private cloud, or hybrid, hosted in India to meet data localisation needs.
Security by design
Encryption in transit and at rest, keys held in your KMS or HSM, and support for your VAPT and vendor-risk review.
Complete audit trail
Every login, change, approval and export logged, read-only, and exportable for audit.
White-label
Your brand, your domain and your app. Customers see your institution, not ours.
Works well with
Products share one login, one data model and one audit trail, so they can be added one at a time.
Try Statement Analyzer on synthetic data
We set up a sandbox for your team with realistic, fictional data. Test the calculations, download sample reports, and check how it fits your systems before any commitment.