Bank Statement Analysis
Every Transaction. Every Pattern. Every Anomaly. Surfaced Automatically.
AgenticLending processes bank statements from all major Indian banks — in all formats — and produces structured cash flow summaries, inward/outward analysis, and anomaly flags in minutes. No manual spreading. No missed signals.
How It Works
Indian Bank Format Intelligence
Built on a corpus of bank statement formats from SBI, HDFC, ICICI, Axis, Kotak, and 40+ other Indian banks and NBFCs. Handles PDF, Excel, and scanned formats natively.
All Indian Bank Formats
Parses statements from SBI, HDFC, ICICI, Axis, Kotak, Yes Bank, IndusInd, and 40+ other Indian banks — including vernacular and regional format variants.
Cash Flow Spreading
Automatically generates monthly inward/outward summaries, average balance trends, and net cash position across any statement period — formatted for your credit memo.
Anomaly Detection
Flags round-tripping, sudden large credits, irregular salary patterns, EMI bounces, and other behavioural signals that manual review often misses.
Multi-Account Aggregation
Aggregates across multiple accounts held at different banks for the same borrower — producing a consolidated cash flow view across the full financial relationship.
Source Traceability
Every extracted figure links back to the specific transaction row in the original statement. One click shows the source — for analyst verification or audit defence.
GST & ITR Reconciliation
Cross-validates declared turnover in GST returns and ITR filings against actual bank credits — a critical consistency check for commercial lending underwriting.
Key Outputs
What Your Credit Team Gets
Monthly Cash Flow Summary
Tabular inward/outward/net by month, with percentage change indicators and 12-month trend line.
Anomaly Flag Report
Ranked list of flagged transactions with category, risk signal, and source reference — ready for credit committee review.
Turnover Consistency Check
Side-by-side comparison of bank-implied turnover vs. GST-declared vs. ITR-declared — with variance flagged for analyst review.
Spreading Narrative
AI-generated paragraph summarising cash flow health, key trends, and underwriting considerations — ready to paste into your credit memo.
Ready to Transform Your Credit Decisioning?
The platform is live. Try it now or book a 30-minute guided walkthrough.