AB Analyse — bank statement analysis
Underwrite from the Account, Not the Declaration
Upload a bank statement PDF and get a structured read of inflows, outflows and existing repayment obligations — including the ones a credit bureau pull will not show you, because they never went through a lender. Coverage across 110+ Indian banks.
Free resources
Tools for lending teams
Download the interactive checklist and ROI calculator — then see what AB Analyse surfaces from a real statement.
Every credit decision begins with a bank statement. Buried in those rows are the signals that separate a repayable borrower from a risky one — signals most teams do not have the time, or the tools, to surface by hand. AB Analyse turns the statement you already collect into lending-grade intelligence: cash-flow reconstruction, obligation detection, concentration and tampering checks — in under a minute, through a GUI or an API.
Indian banks supported
Typical analysis time
Statement data retained after analysis
Years building for Indian lenders
What it does
Four jobs that turn a PDF into a credit decision input — not a spreadsheet exercise.
01
Establishing real revenue
What actually came in, net of transfers, circular entries and self-credits — so capacity is measured on operating cash flow, not declared turnover.
02
Separating business from household
In a proprietorship the same account pays school fees and buys inventory. AB Analyse separates drawings from operating outflow so you are not pricing the household as the firm.
03
Finding the debt you weren't told about
Recurring debits that look like EMIs — whether or not a bureau knows about them — including informal borrowing and loans too recent to have been reported.
04
Flagging documents that were edited
Because the statement is now the primary credit input, it is also the primary forgery target. Tampering checks run before the credit view is trusted.
No per-bank parsers, and no aggregator subscription
Coverage doesn't depend on templates. AB Analyse reads statements with AI rather than a hand-written parser per bank, which is why it covers 110+ Indian banks — and why a format it hasn't seen before doesn't require a release.
You don't need an Account Aggregator subscription. AA is a clean data route, but it is priced per consent-based pull. Reading the statement directly costs materially less per assessment and lets you underwrite borrowers who aren't on an AA journey at all. Statements must be unlocked; password-protected files aren't supported.
Built for the people who decide
Banks, NBFCs, fintech lenders and MSME credit teams — anyone underwriting from the statement rather than from stale accounts.
Banks & NBFCs
Cut statement review from hours to minutes, with a trail your credit committee can read.
Fintech lenders
Drop the API into a digital underwriting flow — same intelligence the GUI produces, without a second tool.
Credit risk managers
See obligation and cash-flow patterns the bureau never holds, before you price or decline.
MSME lenders
Underwrite thin-file borrowers from the one document that is always current — the bank statement.
How it fits with the rest of the stack
Bureau integration. The bureau tells you what the borrower has repaid. The statement tells you what they can repay now. Side by side, the gap is the signal.
AB Compliance. When the same lender also files RBI returns, statement-derived credit work and regulatory reporting sit on one vendor who already understands both.
The practical questions
Frequently asked questions
By reconstructing cash flow from bank statements, GST returns and repayment history rather than from accounts. The statement shows current inflow, existing obligations and volatility — often a better predictor of repayment capacity for a small enterprise than financials filed a year earlier.
No — it complements it. The bureau shows formal repayment history; the statement shows present cash flow and informal obligations the bureau never sees. Lenders assessing thin-file borrowers need both, because either one alone leaves a material blind spot.
It covers 110+ Indian banks. Extraction is AI-based rather than a separate parser per bank, so an unfamiliar statement layout doesn't need new code and a bank redesigning its PDF doesn't break your pipeline. Statements must be unlocked — password-protected files are not supported.
No. AB Analyse reads the statement directly, which costs materially less per assessment than consent-based AA pulls — you aren't paying a per-pull fee on applications you decline. It also lets you assess borrowers who aren't on an AA journey.
AB Analyse is available in two flavours: with the GUI and as an API. The GUI version is available the moment you sign up. For the API version, you write the calls in your lending application. The time to integrate depends on the vendor.
We check the statement for over fifty red flags — including layout and balance inconsistencies that typically appear when a PDF has been edited. Download the checklist during a demo to see what we check against.
No. AB Analyse holds no statement data once analysis completes, and the underlying model service runs under an enforced zero-data-retention configuration — nothing is written to durable storage and nothing is shared with the model provider.
See it on a real statement
Run AB Analyse against a statement of your own and compare the output with what your team would have produced by hand.