Bank Statement section
The Bank Statement section of the Credit Evaluation editor — AI Bank Statement Analyzer output covering inflows, outflows, salary detection, existing EMIs, bounces, average balance.
The Bank Statement section shows the output of SigmaDSA's AI Bank Statement Analyzer (BSA) — every transaction in the uploaded statement parsed, categorised, and rolled into the headline metrics lenders care about.
What's on the section
Headline metrics
- Statement Period — start + end date of the analyzed window (typically 6 or 12 months).
- Account Number / Bank Name — auto-extracted from the statement header.
- Average Monthly Inflow — total credits ÷ months.
- Average Monthly Outflow — total debits ÷ months.
- Average Closing Balance — useful for cash-flow loans where end-of-day balance matters.
- Maximum Balance / Minimum Balance — health indicators.
Transaction breakdown
- Salary Credits detected — date, amount, source bank, classifier.
- EMI Outflows detected — auto-matched to loan accounts (populates Existing Loans).
- UPI / Card / Cash outflows — categorised separately.
- Bounce events — cheque/ECS/NACH/auto-debit failures. Each one is a red flag for lenders.
AI insights
- Salary Stability Score — for salaried applicants, "how consistent is the salary credit" (1–10).
- Cash Flow Trend — improving / flat / declining trend over the period.
- Suspicious Activity Flags — round-tripping, unusual cash deposits, etc.
What banks look at from BSA
| Lender focus | What they check |
|---|---|
| Salaried loans | Salary stability score, salary credit date consistency, salary trend (rising/flat/falling). |
| Business loans | Inflow trend, average closing balance, ratio of business inflows to personal withdrawals, bounce count. |
| NBFCs / sub-prime | Bounce count above all else — even one bounce can kill the file at conservative NBFCs. |
| All lenders | Are existing EMIs detected consistent with what the applicant declared? Mismatches = misrepresentation flag. |
Common flows from this section
- Re-run BSA after uploading a fresh statement → upload to the Documents tab → return to this section → click Re-extract in the section header.
- Override a misclassified salary credit → click the transaction row → change category → save.
- Detected EMIs don't match Existing Loans → reconcile before submitting; bank will catch this on their bureau pull anyway.
- Bounces visible in the BSA output → discuss with applicant; many banks have a "max 1 bounce in last 6 months" rule.
Next steps
CIBIL Score section
The CIBIL Score section of the Credit Evaluation editor — bureau pull, score, vintage, active accounts, defaults, enquiries, and classifier output.
Existing Loans section
The Existing Loans section of the Credit Evaluation editor — every running EMI obligation the applicant has, with lender, type, outstanding, EMI, and months remaining. Feeds the FOIR / DSCR denominator.