How a Bank Statement Analyser Decodes Multi-Format PDFs
Discover how an automated bank statement analyser resolves password protection, format variations, and extraction issues across Indian bank statements.
Automated Bank Statement Analyzer for Credit Underwriting
CredTrace parses financial statement PDFs across all Indian banks with high accuracy. Instantly detect circular transactions, categorize inflows and outflows, and automate credit risk evaluation with zero manual effort.
Cred Trace Engine Preview
Demo Mode
Monthly Average Inflow
₹1,42,500
Credit Profile Index
Low Risk
Verified Profile
⚠️
Duplicate Alert:
Identical transaction found on HDFC statement within
3s.
Transactions parsed
Salary Credit
ICICI Corp
Cloud Infrastructure
HDFC Debit
Office Space Rental
Axis Transfer
Features
Fully Automated Statement Auditing
Accelerate your verification process with built-in financial analysis tools.
Instant Parsing
Extract clean transactional structures from statements of all major banks in seconds.
Auto-Categorization
Classify transactions into smart buckets like utility, rent, and debt with over 98% accuracy.
Income Identification
Detect stable salaries, active business revenue streams, and recurring deposits automatically.
Anomaly Alerting
Spot duplicate debits, circular trading, and balance manipulation indicators instantly.
Unified Analytics
Consolidate statements across multiple accounts to evaluate a borrower's complete financial capacity.
Direct Integration
Retrieve authenticated statements directly from the regulated Account Aggregator network.
Process
How It Works
From raw statements to structured credit decisions in four simple steps.
01
Connect
Securely link accounts using OTP or upload bank statement files.
02
Process
Our engine instantly cleans and categorises all transactions.
03
Detect
Algorithms scan for duplicate debits, default risk, and anomalies.
04
Analyse
Receive clean insights and download structured financial reports.
Impact
Built for High-Speed Underwriting
Improve operational efficiency and credit risk management.
⚡ 95% Faster Processing
Reduce manual statement audit times from hours to under 5 seconds, accelerating loan approvals.
🛡️ Fraud Prevention
Identify forged PDF statement metadata and circular trading patterns before disbursement.
⚙️ API-First Architecture
Seamlessly integrate our statement analyser directly into your existing loan origination system.
Security
Bank-Grade Compliance
Your financial data is protected with enterprise-level security protocols.
AES-256 Encryption
All statement data is encrypted in transit and at rest using top-tier cryptography.
Consent-First
Data sharing is strictly permission-based; users can revoke access at any time.
DPDP Compliant
Designed in compliance with India's Digital Personal Data Protection Act regulations.
Active Monitoring
Continuous threat detection and vulnerability assessments ensure network resilience.
Credit Intelligence
Latest Insights & Technical Guides
Explore expert analyses on automated bank statement parsing, financial fraud detection, and credit risk underwriting.
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Private Beta
Verify statements instantly.
Accelerate your underwriting pipeline and mitigate credit risk with automated analysis.
✓ Success! You've been added to the private beta waitlist.
FAQ
Common Questions
Quick answers to help you understand our statement analyser platform.
What is Cred Trace?
Cred Trace is an automated statement analysis platform. It
processes financial statements, extracts transaction records,
categorises expenses, detects income streams, and flags fraud
risks to help credit teams make faster, data-driven decisions.
Is there a free bank statement analyser option?
Yes. You can get started with our free bank statement analysis trial. This allows credit teams to experience the parsing accuracy and speed of our automated bank statement analyser before selecting an enterprise tier.
How does the statement analyser work?
You can upload PDF statements or connect via the secure
Account Aggregator network. The engine parses the transaction
ledger, sanitizes data, classifies expenses, and generates a
structured financial summary in under 5 seconds.
Is my financial data secure?
Yes. We secure all data using AES-256 encryption at rest and
TLS 1.3 in transit. Cred Trace operates on a strict
consent-first model, ensuring compliance with India's DPDP
Act, and never shares data without permission.
Which Indian banks are supported?
We support statement parsing for all major Indian retail and
commercial banks. Whether uploading statement PDFs or linking
accounts via the Account Aggregator network, coverage is
comprehensive.
What is the Account Aggregator network?
The Account Aggregator network is an RBI-regulated framework
that enables secure, paperless, and digital sharing of
financial data between institutions. It eliminates manual PDF
uploads and prevents document forgery.
How can we get started?
You can join our waitlist by submitting your business email.
Selected partners will get early access to our dashboard
console and API integration documentation during our private
beta phase.