GST Verification & Filing Analysis
Declared Turnover Verified. Filing Gaps Surfaced. In Seconds.
AgenticLending parses GSTR-1, GSTR-3B, and annual return filings to extract declared turnover, tax liability, and filing compliance history — then cross-validates against bank statement credits and ITR income declarations to give your credit team a verified revenue picture.
How It Works
From GST Returns to Credit Memo — Automatically
The GST analysis agent processes return data, normalises it across filing periods, and produces a verified turnover timeline — flagging anomalies your credit team needs to see before approval.
GSTR-1 & GSTR-3B Extraction
Parses outward supply data from GSTR-1 and tax liability summaries from GSTR-3B across all available periods — building a month-by-month turnover timeline.
Filing Compliance Check
Identifies filing gaps, late filings, and nil returns in the GST history — a critical compliance signal for lending to MSMEs and traders.
Turnover Trend Analysis
Computes quarterly and annual turnover trends from GSTR data — surfacing growth trajectories, seasonal patterns, and sudden revenue drops.
Input Tax Credit (ITC) Review
Analyses ITC claimed vs. eligible — flagging unusually high ITC ratios or reversals that may indicate overstated purchase volumes or compliance risk.
Multi-GSTIN Aggregation
Aggregates data across multiple GSTINs registered to the same PAN — providing a consolidated revenue view for borrowers with multiple business entities.
Cross-Source Validation
Automatically compares GST-declared turnover against bank statement credits and ITR-reported income — quantifying the variance and flagging material inconsistencies.
Key Outputs
What Your Credit Team Gets
GST analysis results are structured for direct insertion into your credit memo — verified, not just extracted.
Verified Turnover Statement
Month-by-month GSTR-declared turnover normalised and totalled across all periods — with CAGR and trailing 12-month average calculated.
Filing Compliance Report
Complete filing history with on-time, late, and missing returns flagged — including penalty exposure estimate for gaps.
Turnover Triangulation Table
Side-by-side comparison of GST-declared, bank-implied, and ITR-reported revenue — with variance percentage and analyst commentary.
Risk Flag Summary
Automated flags for: nil return periods, sudden turnover drops, ITC anomalies, multi-GSTIN inconsistencies, and cross-source variances above threshold.
Why GST Data Matters for Lending
The Most Reliable Turnover Signal for Indian MSMEs
For the millions of MSMEs that form the backbone of Indian commercial lending, GST filings are the closest approximation of audited financials. Unlike self-prepared P&L statements, GST returns are filed with the government — making them a higher-credibility revenue signal that your credit team can anchor underwriting decisions to.
AgenticLending treats GST data as a primary verification layer — not a supplementary document — so your analysts spend time on credit judgement, not data reconciliation.
Government-Filed Data
GST returns filed directly with tax authorities — higher credibility than self-prepared financials for MSME lending underwriting.
24-Month History Available
Up to 24 months of GSTR data available for trend analysis — sufficient for working capital, term loan, and LAP underwriting.
Fraud Detection Signal
Large gaps between bank credits and GST-declared revenue are a primary indicator of undisclosed liabilities or income suppression — surfaced automatically.
Ready to Transform Your Credit Decisioning?
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