A promoter-run trading business applies for a ₹40 lakh working capital loan. The bank statement shows regular monthly credits of ₹6–9 lakh over 12 months. Income looks steady, turnover appears plausible. What the manual review didn’t catch: a substantial portion of those credits were coming from two entities that the promoter’s wife and brother controlled. […]
For most salaried borrowers, a bank statement is enough. The income is regular, repayment capacity is calculable, and the bureau report fills in the credit history. MSME borrowers are different. Business income moves across multiple accounts, sometimes in cash. A business with five years of operating history may still have a thin or inconsistent bank […]
A borrower’s bank statement shows a healthy credit history. No bounces, reasonable balances, steady inflows. The file goes to the sanction. What the reviewing team didn’t see: forty-six inbound UPI transfers across nine weeks from numbers with no identifiable source, each followed by near-complete withdrawal within 48 hours. UPI accounted for around 85% of India’s […]
There’s no shortage of bank statement analysis software in India. The harder problem, for a credit team at an NBFC, is figuring out which tools are built for your use case and which ones are built for a different kind of customer and happen to tick enough boxes during a demo to make shortlisting feel […]
Running a bank statement analysis and a GSTR analysis in separate passes is the standard approach for most credit teams. Precisa supports both. Each gives you something useful on its own. The problem is that neither tells you whether the two pictures of the borrower are consistent with each other. A business can show clean […]
Switching a bank statement analyser mid-operation isn’t something a credit team does on a whim. There’s data migration to worry about, workflow retraining, integration work, and (if the tool touches a loan origination system) a whole IT conversation that nobody particularly enjoys. So when a team does decide to switch, there’s usually a specific reason. […]
A VP of Credit at a mid-sized NBFC in Pune ran a vendor evaluation last quarter. Her team processed more than 3,000 loan applications monthly on a manual review cycle that had let two fabricated bank statements through in Q3 2025. She needed a specialist tool, not a feature inside a larger platform her team […]
Overdraft and cash credit accounts tell a story that most credit teams under-read. The sanctioned limit is noted, the current balance is checked, and the file moves on. But the utilisation pattern across months (how often the borrower pushes close to the limit, how many days they stay overdrawn, where the balance sits on average) […]
A bank statement analysis API integrates with a loan origination system by sitting inside the origination pipeline as an automated step. When an applicant uploads a statement, the LOS triggers a request to the API, the analysis runs, and structured output returns directly into the credit decision workflow. Precisa’s bank statement analysis API handles this […]
A credit bureau score tells you what a borrower did with credit in the past. It’s the standard tool most lenders use to assess NPA risk at the point of application. But it’s also the limit of what it tells you. It doesn’t show you what’s happening in that borrower’s account today, whether their income […]
