Statements · sample
hdfc-sample-statement.pdf
VERIFIEDStop retyping bank statements into Excel.
Every balance rechecked, then read the way a lender would read it.
The workbench
- 19Indian banks read end to end
- 7underwriter checks per report
- 17metrics a month, per account
- 60 minthen the file is deleted
How it works
Statement in, reading out
Drop the PDF
Up to ten statements at once, from nineteen Indian banks. Password-protected files are fine; the password opens the file once and is never stored.
We recompute every balance
Previous balance plus the row's amount has to equal the next printed balance, all the way down. Hold and the file is VERIFIED. Break and we name the row.
Read the analysis
Statement status and the full monthly summary are free to read. Seven underwriter checks, counterparties, end-of-day balances and per-account ledgers sit behind the report.
Take the data
Combined CSV and JSON download free, with or without a report. The full workbook comes with it.
What the report reads
Seven checks a converter cannot make
Each one carries the transactions that triggered it, the method behind it, and how sure it is. A clean account gets seven green marks, which is its own useful thing to show a lender.
Circular transactions
Credits and debits matched to the same counterparty within seven days, at close to the same amount.
Month-end balance building
Months whose last three days run well above the month's own average, then fall back in the first days of the next.
Bounces and penal charges
Inward and outward bounces, penal fees and ECS returns, with the months they landed in.
Revenue concentration
The top payer and the top three as a share of all credits.
Related-party and internal flow
Transfers between the accounts you uploaded, so turnover is not counted twice.
Cash intensity
Cash in and out as a share of turnover, read from narration and labelled as such.
Liquidity and volatility
Days in overdraft, days below one percent of the month's credits, and how much the daily balance moves.
Coverage
The banks we read
We'd rather flag it than guess.
Every converter claims 99% accuracy. We recompute instead: previous balance plus the row's amount has to equal the next printed balance, all the way down. When it doesn't, you get the row number, not a shrug.
Audience
Who it's for
Chartered accountants
Working papers, not retyping. Every statement arrives balance-verified, with an audit trail you can attach as it is.
Lenders & NBFCs
Underwrite on verified rows. Inconsistent statements get flagged before they reach an underwriter.
Founders
Your books read the way a lender reads them, before you send them to one.
Comparison
What you get, against what else is out there
| AICA Passbook | PDF converters | Legacy analysers | |
|---|---|---|---|
| Transactions as CSV or JSON | Yes | Yes | Yes |
| Balance recomputed row by row | Yes | No | Yes |
| Names the row when the chain breaks | Yes | No | No |
| Seven scored underwriter checks | Yes | No | Yes |
| Evidence rows behind every finding | Yes | No | No |
| Read the analysis before paying | Yes | No | No |
| Works without an account | Parsing | Usually | No |
| Minimum commitment | None | None | Annual contract |
| Price per account | ₹33–49 | ₹0 | about ₹70/year |
| Files deleted after an hour | Yes | No | No |
Pricing
Pay per statement, not per month
Start free: your first 5 credits are on us.No card, no expiry. Parsing and verification stay free forever, whatever you upload.
Start free- 1 credit₹491 credit₹49.00/creditOne report, or four data exports
- No commitment
- Credits never expire
- Most popular5 credits₹2295 credits₹45.80/creditFor steady client work
- Works out at ₹45.80 a credit
- Credits never expire
- 20 credits₹79920 credits₹39.95/creditFor practices and lending desks
- Works out at ₹39.95 a credit
- Every account balance-verified
- Credits never expire
For volume
Enterprise
For lenders and NBFCs reading statements at desk volume. Every account arrives balance-verified with its seven checks already scored, so an underwriter opens findings instead of building them.
Quotedagainst your volume
- Seven scored checks, each carrying the rows that triggered it
- Invoiced against a purchase order, GST on account
- Volume beyond the self-serve monthly ceiling
- A named person to talk to, not a ticket queue
- One report
- One account. Every statement you upload for it, whatever the count or window.
- Always free
- Parsing, the arithmetic check, and the parsed rows as CSV or JSON.
- Never charged
- No subscription, no expiry on a pack, no card to start.
FAQ
Questions
What does a VERIFIED stamp mean?
We rebuild the running balance row by row. When the chain holds end to end, the file is stamped VERIFIED.
What happens when a statement fails the check?
The breaking row is named, expected against printed. The file is marked NEEDS REVIEW. The check costs nothing either way.
What files do you accept?
Digital PDF statements, the kind your bank emails you. Scans, CSV, OFX and Excel are out of scope.
My PDF has a password.
Add it on the ticket and re-upload. The password opens the file once and is never stored.
What does a report cost?
A full report is 1 credit, raw data is a quarter credit, and your first 5 credits are on us.
Where do my files go?
Deleted within 60 minutes. Encrypted in transit. We never ask for a netbanking login, and we can't train on files we no longer have.
What exactly does one report buy?
One account, every statement you uploaded for it, however many. The parsed data is free either way.
What does Enterprise include?
The same verified rows and seven scored checks every report gives you, at the volume a lending desk actually runs. Invoiced against a purchase order, with a named person on our side.
Drop a statement and see it verified.
Parsing and the arithmetic check cost nothing, no account needed. Your first three reports are on us, and every file is deleted an hour after upload.
Analyse a statement