Pro Analyser Alternative: Why NBFCs Trust Precisa as the Market Leader

As digital lending accelerates across India, financial institutions are evaluating bank statement analysis platforms that can handle growing portfolios while maintaining accuracy and compliance. 

Pro Analyser is a newer platform in the bank statement analysis space. However, Precisa has led this market for years, establishing the standard that newer entrants now attempt to match. 

NBFCs, banks, and lending institutions handling complex scenarios, multi-layered verification, and regulatory compliance have consistently chosen Precisa for its comprehensive, battle-tested suite of integrated solutions backed by years of market experience.

Let’s explore why Precisa remains the preferred choice for financial institutions with advanced requirements.

What Pro Analyser Offers vs. What NBFCs Actually Need

Pro Analyser provides good fundamentals for bank statement analysis. The platform covers:

• Bank Statement Analysis with income detection, EMI tracking, and fraud alerts
• GSTR Analysis for tax compliance verification
• ITR (Income Tax Return) Analysis for additional income verification

For institutions focused purely on standard credit underwriting, these three modules handle basic requirements effectively.

However, NBFCs and lending institutions with advanced use cases face limitations:

Limited Module Ecosystem

Pro Analyser offers three core modules (Bank, GSTR, and ITR). Financial institutions needing forensic investigation, AML compliance, or credit bureau integration must use separate tools, creating data silos and workflow complexity.

No Account Aggregator Integration

Pro Analyser doesn’t mention integration with India’s Account Aggregator framework. Without this, lenders still rely on uploaded documents rather than real-time, consent-based, tamper-proof data directly from banks.

No Cross-Analysis Capability

Analysing bank statements, GST returns, and credit reports as separate exercises leaves gaps. Integrated cross-verification catches mismatches between reported income and actual cash flows.

Single-Use Case Focus

NBFCs, banks, and lending institutions often encounter applications requiring closer scrutiny, advanced verification, and fraud detection. Forensic audit firms need comprehensive AML analysis capabilities. 

Pricing Transparency

While Pro Analyser doesn’t disclose the pricing upfront, Precisa offers a more flexible and transparent pricing model designed for institutions of all sizes:

• Free trial for 7 days.
• Pay-per-use for occasional needs (₹100 per bank account).
• Pay-as-you-go subscription for growing volumes (₹ 14,000).
• Custom enterprise plans for large institutions.

Why Precisa Remains the Trusted Choice for Financial Institutions

Here’s why Precisa has remained the industry’s trusted platform:

Expanded Module Suite

Precisa has built a comprehensive seven-module ecosystem that financial institutions have relied on for years:

1. Bank Statement Analysis: Automated extraction, fraud detection, and Precisa Score.
2. GSTR Analysis: Tax compliance, turnover verification.
3. Credit Report Analysis: Bureau integration for holistic credit assessment.
4. Account Aggregator Integration: RBI-backed, real-time, consent-based data access.
5. Forensic Investigation Tools: Money trail mapping, FIFO tracking, circular transaction detection.
6. AML Compliance Dashboard: Suspicious pattern recognition, regulatory reporting.
7. Cross-Analysis: Unified analysis of bank + GSTR + credit bureau data.

Trusted by 1000+ clients across 25+ countries, Precisa supports 850+ banks and 1,200+ formats, having processed 51+ crore transactions to date.

Intelligent Automation That Scales

Precisa automates bank statement analysis — extracting, classifying, and categorising transactions automatically. The system identifies spending patterns, income stability, and anomalies across multiple accounts simultaneously, enabling lenders to make faster, data-backed credit decisions without manual review bottlenecks.

Advanced Fraud Detection

Precisa’s fraud-check algorithms identify irregular patterns, including high-value spikes, duplicate transactions, account manipulation, circular transactions, and round-tripping behaviour. The system automatically flags cheque bounces, penalties, and suspicious activity—reducing fraud risk while saving underwriting time.

Precisa Score & Automated FOIR Analysis

Precisa Score evaluates financial stability, income regularity, and cash flow consistency based on real-time transaction behaviour. Combined with automated FOIR (Fixed Obligation to Income Ratio) analysis, it calculates how much income is already committed to existing EMIs and obligations—helping lenders assess repayment capacity beyond traditional credit scores.

Predictive Analytics for Risk Mitigation

Precisa forecasts spending volatility, payment delays, and income fluctuations through AI-driven predictive analytics. This forward-looking intelligence helps lenders tailor lending products and mitigate risk before defaults occur.

Seamless Integration

Precisa connects effortlessly with loan origination systems, CRMs, and core banking platforms through robust APIs.

It also integrates with India’s Account Aggregator ecosystem, enabling lenders to fetch bank statements directly with borrower consent—eliminating document uploads and ensuring real-time, tamper-proof data. This RBI-backed approach accelerates credit decisions from days to minutes.

Precisa vs Pro Analyser: Feature-by-Feature Comparison

Capability	Precisa	Pro Analyser
Bank Statement Analysis	Available	Available
GSTR Analysis	Available	Available
ITR Analysis	Available	Available
Credit Report Analysis	Available	Not available
Account Aggregator Integration	RBI-backed, real-time	Not mentioned
Forensic Investigation Tools	Money trail, FIFO, AML	Not available
Cross-Analysis (Bank+GSTR+Bureau)	Integrated analysis	Not available
Supported Banks	850+ banks [List of supported banks]	Multi-bank support
Supported Formats	1,200+ formats	Not specified
Geographic Reach	25+ countries	India-focused
Client Base	1000+ institutions	Not specified
Pricing Options	Free trial, Pay-per-use (Single use), Pay-as-you-go, Custom plans	Not prominently displayed
Best For	NBFCs, Banks, DSAs, Forensic Firms, CAs handling complex scenarios	Standard lending workflows

Real-Life Use Cases of Precisa

Here are some practical scenarios that demonstrate its precision and impact:

1. Creditworthiness Assessment for First-Time Borrowers

Precisa helps lenders evaluate applicants with limited credit history by analysing real-time cash inflows, expense patterns, and account stability. It identifies consistent income behaviour even without a CIBIL score, enabling lenders to confidently extend credit to new-to-bank customers.

2. Salary Diversion Fraud Detection

When applicants claim steady employment, Precisa verifies salary inflows across multiple accounts. If the credited amount shows inconsistency or partial transfers, the tool flags it for review. This helps lenders detect falsified employment claims and prevent salary diversion-based fraud.

3. SME Revenue Verification

For business borrowers, Precisa categorises credits by source and frequency. It distinguishes between operational inflows and irregular deposits, helping lenders assess actual business performance. This ensures genuine, sustainable revenue streams back working capital loans.

4. Round-Tripping Identification

Precisa’s anomaly detection engine tracks repetitive inward and outward transactions of identical amounts within short intervals. This behaviour often signals round-tripping or artificial fund circulation, enabling NBFCs and other financial institutions to halt disbursals before fraudulent borrowing escalates.

5. Top-Up Loan Repayment Assessment

When an existing borrower requests a top-up, Precisa re-analyses updated bank data to assess whether recent spending habits or EMI loads affect repayment capacity. This ensures informed renewal decisions and prevents over-leveraging within the loan portfolio. 

Conclusion 

In 2026 and beyond, lending excellence depends on intelligence, precision, and speed. Precisa has established this standard by delivering AI-powered automation, fraud detection, and predictive scoring that 1000+ institutions trust for faster credit decisions, deeper borrower insights, and stronger portfolio performance.

While newer platforms like Pro Analyser enter the market, financial institutions with advanced requirements continue to rely on Precisa. 

Precisa’s suite, GSTR Analysis, Credit Report Analysis, and Forensic Investigation tools, give NBFCs and other lending and financial institutions a 360° borrower view for faster, risk-aware, and compliant lending decisions.

Ready to take the next step? Start for free to test Precisa’s analysis accuracy, fraud detection, and automated insights on your own bank statements.