Automated Bank Statement Analyser for Credit Teams

Extract cash flows, verify recurring income streams, and detect transactional fraud indicators from financial records in under five seconds.

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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
+₹1,20,000
Cloud Infrastructure
HDFC Debit
-₹12,499
Office Space Rental
Axis Transfer
-₹30,000
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 categorizes all transactions.

03

Detect

Algorithms scan for duplicate debits, default risk, and anomalies.

04

Analyze

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 analyzer directly into your existing loan origination system.

Security

Bank-Grade Compliance

Your financial data is protected with enterprise-level security protocols.

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AES-256 Encryption

All statement data is encrypted in transit and at rest using top-tier cryptography.

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Consent-First

Data sharing is strictly permission-based; users can revoke access at any time.

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DPDP Compliant

Designed in compliance with India's Digital Personal Data Protection Act regulations.

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Active Monitoring

Continuous threat detection and vulnerability assessments ensure network resilience.

FAQ

Common Questions

Quick answers to help you understand our statement analyzer platform.

What is Cred Trace?
Cred Trace is an automated statement analysis platform. It processes financial statements, extracts transaction records, categorizes expenses, detects income streams, and flags fraud risks to help credit teams make faster, data-driven decisions.
How does the statement analyzer 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.
Private Beta

Verify statements instantly.

Accelerate your underwriting pipeline and mitigate credit risk with automated analysis.

🚀 Coming Soon