XPndAI builds AI-powered bank statement analysis APIs that extract transactions, compute cash flow metrics, detect income and obligations, and generate structured financial summaries for lending and underwriting.
Handles statements from all major Indian banks — HDFC, SBI, ICICI, Axis, Kotak, Yes Bank, IDFC — across PDF, scanned, and net banking download formats.
Automated monthly income, expense, and net cash flow computation — with trend analysis across 12-month statement periods for underwriting.
AI classifies salary credits, business income, rental income, and one-time credits — separating genuine income from transfer and return credits.
Automated flagging of EMI bounces, high utilization patterns, cash deposit spikes, round-tripping, and irregular high-value transactions.
Clean, structured JSON with transaction-level data and computed financial metrics — ready for integration into your credit scoring or underwriting system.
Direct integration into your LOS, LMS, or credit bureau workflow — bank statement analysis as an automated step in your loan origination process.
A digital MSME lender integrated our bank statement OCR API into their loan origination system. Applicants upload 12-month statements; the AI extracts all transactions, computes income metrics, flags irregularities, and generates an underwriting-ready financial summary — reducing manual analysis time per application dramatically.
A home loan NBFC deployed our bank statement analysis API for salaried and self-employed income verification. The system accurately identifies salary credits, computes average monthly income, and flags statement authenticity markers — enabling faster credit decisions with reduced analyst intervention.
Talk directly to our lead engineers. We audit your requirements, propose the exact architecture, and give you a transparent roadmap — all in one call.