Upload any bank statement and watch AI extract every transaction, calculate average bank balance, DSCR, FOIR, and EMI obligations automatically. No more spreadsheets. No more errors. Just instant, accurate eligibility assessment.
Upload a bank statement PDF — digital or scanned — and AI extracts every transaction: date, description, debit, credit, and running balance. Supports 50+ Indian bank statement formats. The system handles multi-page statements, different date formats, and varying column layouts automatically.
Instantly calculates monthly and overall average bank balance from extracted transactions. ABB is a key metric banks use for eligibility assessment. The system shows month-wise breakdown so you can identify trends and present the best picture to lenders.
For self-employed applicants, the system calculates DSCR (Debt Service Coverage Ratio) from ITR data and bank statements. For salaried applicants, FOIR (Fixed Obligation to Income Ratio) is calculated from salary credits and existing EMI obligations. Both metrics determine maximum eligible loan amount.
AI automatically identifies recurring EMI payments, credit card payments, and other fixed obligations from transaction patterns. These are factored into FOIR and eligibility calculations — ensuring accurate assessment without manual obligation mapping.
Generate a clean eligibility report showing ABB, DSCR/FOIR, existing obligations, and maximum eligible loan amount. Share it with lenders directly from the platform. The report includes all supporting calculations so banks can verify the numbers.
