Pro Analyser covers bank statement analysis, GSTR, and ITR — the three modules that form the foundation of most credit workflows. Precisa covers those and adds four layers Pro Analyser doesn’t have: Credit Bureau Report Analysis, Account Aggregator integration for tamper-proof real-time data, a dedicated Forensic Investigation module with money trail mapping and FIFO tracing, and an AML Compliance Dashboard with counterparty detection and regulatory documentation. For teams where a standard underwriting check is sufficient, the gap may not matter. For teams that encounter complex borrower profiles, investigation requirements, or formal AML obligations, those four layers are the difference.

Yes. Pro Analyser is designed for standard income and cash flow assessment for personal and SME loans. It doesn’t offer a Forensic Investigation module, an AML dashboard, or Account Aggregator integration. If your NBFC has formal AML obligations under RBI guidelines, handles high-value or complex borrower profiles, or needs to produce compliance-grade audit trails rather than just credit reports, Precisa is the more appropriate platform. Precisa is also the only option of the two with international bank support across 25+ countries, which matters for institutions with NRI borrowers or cross-border lending operations.

Both platforms flag circular transactions and suspicious cash patterns. Where Precisa goes further is in the depth and the breadth of what gets analysed. Precisa’s counterparty detection maps financial relationships between entities at an AML-grade level: not just who you paid, but who is transacting with whom, in what pattern, and whether those patterns signal connected-party risk or money movement that warrants investigation. On top of that, Precisa adds layers that are genuinely absent from ProAnalyser: credit bureau reconciliation against bank statement data, Account Aggregator-sourced tamper-proof feeds, forensic money trail mapping with FIFO tracing, and a dedicated AML compliance dashboard that produces documentation for regulatory reporting.

Yes, across multiple data sources. Precisa’s cross-analysis reconciles a borrower’s bank statement credits against their GSTR-declared turnover for the same period. If someone declares ₹1 crore in annual GST turnover but their bank shows ₹40 lakh in actual deposits, that gap is surfaced in the report automatically. For salaried borrowers, Precisa verifies salary inflows across accounts and flags inconsistencies or partial transfers that suggest diversion. For credit bureau EMI obligations, it checks whether the declared EMIs are actually debiting the borrower’s account each month.

The Precisa Score is a proprietary creditworthiness rating from 0 to 1,000, where a higher score means lower credit risk. It’s calculated from real-time bank transaction behaviour: income regularity, cash flow consistency, OD utilisation, bounce history, and spending patterns, and where available, bureau data. Unlike a CIBIL score, which reflects historical repayment reported by lenders, the Precisa Score is driven by actual transaction data. It’s consistent across every report, reproducible, and delivered via API, making it suitable for integration into your loan origination system’s automated decisioning logic.

Instead of asking the borrower to download and upload a PDF bank statement, Precisa fetches the data directly from the borrower’s bank via the RBI’s Account Aggregator framework, with the borrower’s explicit digital consent. The fetched data is real-time and tamper-proof. It cannot be manipulated, selectively cropped, or replaced with a fabricated document. This removes a significant fraud vector from your underwriting process and eliminates the back-and-forth of chasing statement uploads.

Yes. Multi-account analysis is a core Precisa feature. You can upload multiple bank accounts for the same borrower and Precisa generates both individual account reports and a consolidated combined report. It also detects inter-bank transfers between those accounts automatically, so if funds are moving between accounts in patterns that look like balance inflation or fund rotation, that activity is flagged in the combined view.

Precisa offers a REST API that delivers the full analysis as structured JSON output. Your LOS passes borrower details or bank statement data to the API and receives the Precisa Score, transaction categorisation, income classification, fraud flags, bureau analysis, and cross-analysis results in return. The API is available on the Custom Enterprise plan. Most integrations are configured with support from the Precisa technical team. Contact contactus@precisa.in to discuss your integration requirements.

The free trial requires no credit card and no setup call. Sign up at oneclick.precisa.in, upload a bank statement, and you have a full Precisa analysis including the Precisa Score, transaction breakdown, and flagged irregularities within minutes. Pay-Per-Use and Pay-As-You-Go access starts immediately after purchase. For the Custom Enterprise plan, including bureau connector setup, Account Aggregator onboarding, and API integration, the Precisa team manages the configuration with you.