Structured data extraction from bank statements, KYC documents, ITR, Form 16, trade finance docs, and loan documents — not raw OCR text, but decision-ready JSON output. Integrated into your underwriting, KYC, or trade finance AI workflow. From ₹2/page.
Generic OCR gives you characters. For FinTech, you need fields. Sarvam, Tesseract, AWS Textract — they return raw text. XPndAI financial document AI returns structured JSON that drives automated underwriting, KYC verification, and trade finance decisions directly.
| Document Type | Extracted Fields | Use Case |
|---|---|---|
| Bank Statements 40+ Indian banks |
Salary credits (amount, source, date), EMI debits (lender, amount), avg balance, FOIR, irregular debit flags, 12-month cash flow summary | AI underwriting, digital lending, NBFC credit decisioning |
| KYC Documents PAN, Aadhaar, Passport, DL, Voter ID |
Name, DOB, document number, address, expiry, masked Aadhaar support, face match score | KYC automation, AML onboarding, digital lending |
| ITR & Tax Documents ITR-1 to ITR-7, Form 16, 26AS |
Gross total income, taxable income, TDS, PAN verification, year-over-year income trend | Income verification for home loans, MSME lending, secured loans |
| GST Returns GSTR-1, GSTR-3B, GST Registration |
Turnover (monthly/annual), ITC claimed, tax paid, GSTIN status, filing regularity | Business income verification for MSME and SME lending |
| Trade Finance Documents LC MT700, Invoice, BL, Packing List |
LC terms, beneficiary, amount, expiry, commodity, port, discrepancy flags vs UCP 600 rules | LC document checking, trade finance AI, export financing |
| UAE Documents Emirates ID, Trade Licence, Salary Certificate |
Emirates ID number, expiry, employer, trade licence category and expiry, attested salary certificate fields | UAE digital lending KYC, BNPL onboarding, Islamic Finance |
Bank statement extraction feeds FOIR calculation, income verification, and EMI debit identification directly into the credit decisioning engine. No human analyst re-keying data from PDF into a spreadsheet.
Extract, validate, and cross-reference PAN, Aadhaar, passport, and address proof in under 10 seconds. Face match against selfie. Flags expired documents and name mismatches automatically.
Extract LC terms from SWIFT MT 700, check presented documents against LC conditions, flag UCP 600 discrepancies — bank statement + invoice + BL + packing list in one workflow.
Structured extraction from ITR returns and GSTR-3B for MSME and SME loan income verification. Year-over-year income trend analysis. GSTIN status check and filing regularity flag.
Source of funds documents, proof of address, corporate ownership structure — extracted and cross-referenced against sanctions lists as part of the AML onboarding workflow.
Property documents — sale deed, encumbrance certificate, valuation report — structured extraction for mortgage and secured loan origination workflow. Flags missing fields before human review.
It is structured data extraction from financial documents — not raw OCR text, but specific decision-ready fields. For a bank statement, it means salary credits, EMI debits, average balance, FOIR, and cash flow flags — in JSON, ready for an underwriting agent to act on directly without a human re-interpreting the output.
Generic OCR returns raw text — characters from the document. XPndAI financial document AI returns structured, validated, domain-specific output. A bank statement gives you FOIR, salary classification, and EMI lender identification — not a wall of transaction text. The structured output is what lets an AI agent make a credit decision without a human analyst in the loop.
40+ Indian banks including SBI, HDFC, ICICI, Axis, Kotak, Punjab National Bank, Bank of Baroda, Canara Bank, Union Bank, IndusInd, YES Bank, Federal Bank, IDFC First, RBL, and all major public sector banks. Formats: PDF native (net banking download), PDF scanned, and direct API where available. Handles password-protected PDFs with customer-provided password.
Structured JSON output (not raw text), multi-format support (PDF native, scanned, image), table extraction for transaction rows, confidence scoring per field, multi-language support (English, Hindi, Arabic for UAE), and a validation layer that flags likely extraction errors. For custom document types or documents requiring business logic (FOIR calculation, policy rule application), pricing is scoped as part of a full build from ₹8L.
Book a free 30-minute demo — we'll show you structured extraction from your own documents live.
📋 Book Free Demo 💬 WhatsApp