📎 Upload a single bank statement PDF (last 3–6 months preferred)
📑
Drop bank statement here
PDF only · Max 10MB · Zero CIBIL impact
SBIHDFCICICIAxisKotakPNBBOBCanara+30
🔐 Password-Protected PDF
Bank-generated statements are often password-protected. Enter below — stays on your device only.
💡 Common passwords: DOB (DDMMYYYY) · Account last 4 digits · PAN in CAPS
👤 Customer Details
⚙️ AI Analysis Pipeline
1
PDF Validation
Format check, bank detection, page count
2
Text Extraction
Pull transaction data from PDF content
3
AI Salary Detection
Claude AI identifies salary credits, bonuses, other income
4
EMI & Obligation Scan
Detect existing EMI debits, loan repayments
5
Spend Categorisation
UPI, ATM, utilities, rent classification
6
FOIR Computation & Bank Match
Eligibility score and lender matching
🧠
AI Analysis Results
Upload a bank statement and click Analyse. Claude AI will read the actual content of your PDF.
🧠
AI Analysing Statement...
Reading PDF...
5%
🛡️
Analysis Complete — Zero Enquiry Raised
Based on your bank statement · No CIBIL, Experian or Equifax check triggered
AI LIVE
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SCORE
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Avg Salary
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EMI Load
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FOIR
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Savings
🧠 AI Advisor Note
💰 Income
📋 Obligations
💳 Spending
💹 Savings Health
⚠️ Risk Flags Detected
📊 Extracted Transactions
Date
Description
Type
Credit
Debit
🏦 Recommended Banks
✅ Based on your profile. No bureau queried. Apply to one bank only.
💾 Save Analysis & Notify Advisor
🛡️ This is a Soft Enquiry — Your Score Will Not Change
Fetching your report here is classified as a soft enquiry — identical to checking on GPay or CIBIL website. Invisible to all lenders. Zero score impact. A hard enquiry only happens when you formally apply to a bank.
✅ Soft Enquiry (Here)
✓ Score completely unchanged
✓ Invisible to all lenders
✓ Same as GPay CIBIL check
❌ Hard Enquiry (Banks)
✗ Score drops 5–10 pts each
✗ Visible to ALL lenders
✗ 3+ enquiries = red flag
📋 Customer Identity — For Soft Pull
📌 Why Both? CIBIL is used by SBI, PNB, BOB. Experian preferred by Kotak, IDFC, Bajaj. Dual check gives strongest bank match.
📊
Credit Report Will Appear Here
Soft enquiry only — your score will not be affected in any way
📈 Credit Report — Soft Fetch
🔒Soft enquiry — not visible to any lender, score unchanged
CIBIL SCORE
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SOFT PULL · NO IMPACT
EXPERIAN SCORE
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SOFT PULL · NO IMPACT
🧠 AI Interpretation
✍️ Manual Financial Profile Entry
Don't have a PDF? Enter your financial details manually. AI will analyse your profile and recommend banks — no PDF or CIBIL needed.
✍️
Live FOIR Calculator
Fill in the form — your FOIR and eligibility update instantly