idto
Bank Statement Analysis

From bank statement PDF
to underwriting-ready
insights.

Upload a bank statement and automatically extract transactions, identify income and obligations, analyse cash flows and detect potential fraud indicators. One upload. Structured data. Clearer credit decisions.

Analyse a StatementView Sample Report
PDF OCRTransaction CategorisationIncome AnalysisFraud DetectionCash-Flow Insights
Bank statement analysis dashboard

Turn unstructured statements into decision-ready data.

01

Upload the Statement

Submit a digital or scanned bank statement through your workflow, API or dashboard.

02

Extract Every Transaction

Capture account information, dates, descriptions, debits, credits, balances and statement periods.

03

Categorise and Analyse

Identify salary, EMI, cash, transfers, bills, medical, travel, shopping and other transaction categories.

04

Generate the Report

Receive structured outputs, monthly analysis, transaction-level data and potential fraud indicators.

Financial Intelligence From
Every Transaction

Convert raw bank statement PDFs into structured financial intelligence through a single API.

OCR ExtractionTransaction CategorisationSalary DetectionCash Flow AnalysisEMI TrackingFraud DetectionRisk Indicators
Financial intelligence shield

More than just a bank statement PDF OCR

Account Verification

Extract account holder name, account number, bank, IFSC, account type, PAN and statement duration.

Transaction Intelligence

Structure every debit and credit with date, description, category, amount and balance.

Cash-Flow Analysis

Understand inflows, outflows, balance volatility and recurring transaction behaviour.

Fraud and Tamper Signals

Detect PDF manipulation, balance mismatches, unusual credits and suspicious activity.

A complete financial view from one bank statement.

Account Summary

  • Account type
  • Bank
  • Statement duration

Income

  • Salary amount
  • Frequency
  • Latest credit

Cash Flow

  • Credits
  • Debits
  • Average balance

Obligations

  • EMIs
  • Bounces
  • Charges
  • FOIR

Risk Indicators

  • Tamper score
  • Fraud checks
  • Alert signals

Balance & Cash-Flow Insights

  • Minimum balance
  • Maximum balance
  • Average EOD balance
  • Monthly average balance
  • Opening & closing balance

Income & Salary Analysis

  • Salary credits
  • Average salary
  • Salary consistency
  • Recurring income

Credits, Debits & Obligations

  • Total credits
  • Total debits
  • EMI repayments
  • EMI bounces
  • Penalty charges

Transaction Behaviour

  • Cash deposits
  • Cash withdrawals
  • Transfers
  • Bills
  • Shopping
  • Travel
  • Medical

Fraud & Irregularity Checks

  • Tamper confidence
  • Balance mismatch
  • Suspicious withdrawals
  • Negative balances
  • Irregular salary patterns
Trust & accuracy

Trusted Financial Analysis.
Reliable Credit Decisions.

Enable underwriting teams to move faster with structured financial data, fraud indicators and transaction intelligence.

Transaction IntelligenceIncome VerificationEMI DetectionCash Flow AnalysisFraud SignalsRisk Indicators
Trust and risk analytics

Built for teams that need financial context before they approve.

Digital Lending

Use bank statement intelligence to understand income, cash flow and repayment behaviour.

Credit Cards & Credit Lines

Analyse income, liabilities and transaction patterns before assigning limits.

Fraud & Risk Review

Detect tampered statements and suspicious financial behaviour.

Income Verification

Confirm salary credits, income consistency and recurring income sources.

Underwriting Operations

Give credit teams structured outputs that are easier to review, compare and audit.

Got Questions?
We've Got Answers

Everything you need to know about Bank Statement Analysis with idto.ai

It extracts account details, statement duration, transaction-level debits and credits, balances, salary credits, obligations, cash-flow patterns and risk signals.

Do not just read the statement.
Understand the financial behaviour behind it.

Turn every uploaded bank statement into structured data, underwriting insights and risk signals.

Request a Demo AnalysisView API Documentation

Used by lenders, NBFCs, fintechs, credit providers and risk teams.