The complete Bank Statement Analyser.
SignalIQ
80% of every bank statement is UPI narrations that legacy parsers can’t read. SignalIQ reads all of it, turning every transaction into a credit insight.
A gap in the data is a gap in the truth.
When data is incomplete, borrowers are misunderstood. SignalIQ closes the gap.
OUR PRODUCTS
Precision underwriting
Underwrite smarter with AI-powered granular categorisation.
Income is more than just salary
Salary is easy. But true repayment capacity depends on all income sources. SignalIQ captures it all from the source.
Income Credit
L1
Income
L2
Rental income
Recurrence
Monthly
Obligations that break FOIR are the hardest to find
SignalIQ captures every obligation from EMIs to UPI mandates, delivering a FOIR that can be trusted.
Obligation
L1
Loan
L2
Loan EMI paid
Recurrence
Monthly
The signal is in the patterns
Infrastructure-grade AI recognises patterns and uncovers signals other BSAs miss, revealing risk and stability when it matters most.
Obligation
L1
Investment
L2
SIP payments
Recurrence
Monthly
High risk
SIP payment missed
OUR PRODUCTS
Predictive Collections
Predict cash flow stress with early warning signals and collect before a default.
Predict defaults before they happen
SignalIQ surfaces pre-delinquency patterns missed by conventional BSAs - action happens before default, not after.
OUR PRODUCTS
Personalised cross-sell
Predict cash flow stress with early warning signals and collect before a default.
Cross-sell that actually sells
Leverage real payment behaviour for offers aligned with how customers actually spend.
Common questions
FAQs
What is a bank statement analyzer API used for in lending?
A bank statement analyzer API automatically extracts and categorizes transactions from a customer's bank statement to assess income, spending patterns, and repayment capacity for underwriting.
What is SignalIQ Bank statement analyzer?
India’s #1st and only AI-powered bank statement analyser with UPI-intelligence layer – built on 25 years of Pine Labs payment intelligence DNA, to help lender see complete visibility of borrower’s hidden data.
How does UPI transaction analysis help assess self-employed or gig worker income?
UPI transaction analysis can identify recurring income patterns from UPI-heavy accounts, which is especially useful for self-employed and gig workers who lack traditional salary slips.
What is FOIR calculation API and why does it matter for loan approval?
A FOIR (Fixed Obligation to Income Ratio) calculation API automates the calculation of a borrower's existing debt obligations relative to income, a key metric lenders use to size loan eligibility.
Can a bank statement analyzer API detect income inconsistencies or fraud?
Yes — it can flag irregular deposit patterns, sudden balance spikes, or circular transactions that may indicate manipulated statements or income misrepresentation.
How accurate is UPI transaction analysis for categorizing spending behavior?
Accuracy depends on the underlying model's ability to correctly categorize UPI narrations, which are often unstructured — better providers use AI-based categorization tuned specifically for Indian UPI narration patterns.
What formats of bank statements can a bank statement analyzer API process?
Most support PDF statements from major Indian banks, and increasingly Account Aggregator-sourced data feeds, avoiding reliance on customer-uploaded PDFs.