Statement analysis

Bank statement analysis online for India

StatementIQ is an AI bank statement analyzer for Indian PDF and Excel statements. Upload HDFC, SBI, ICICI, Axis, and 15+ other banks to extract transactions, run statement analysis, and unlock insights in minutes.

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What is bank statement analysis?

Bank statement analysis means reading a bank statement to understand income, spending, EMI, cash deposits, and risk signals. Manual review is slow. StatementIQ automates statement analysis for Indian banks — with INR formatting, Indian date formats, UPI patterns, and salary/EMI detection.

How StatementIQ analyzes your statement

Upload a bank statement PDF, Excel, or CSV.
We detect the bank and extract transactions.
Rules-based (and optional AI) categorization labels salary, EMI, UPI, cash, and more.
You get a FinHealth score, insights, AI chat, and a downloadable report.

Who uses statement analysis?

Individuals

Understand salary, EMI burden, UPI spend, and overall FinHealth before applying for a loan or credit card.

Loan agents & advisors

Review a client bank statement quickly and share a clear bank statement analysis report PDF.

NBFCs & fintechs

Run fraud, bounce, cashflow, and eligibility checks across many applicants with team workflows and API access.

Supported formats and banks

Analyze bank statement PDFs and Excel exports from major Indian banks including HDFC, SBI, ICICI, Axis, Kotak, PNB, Bank of Baroda, Canara, Union Bank, Yes Bank, IndusInd, Federal, IDFC FIRST, RBL, and Bandhan. Password-protected PDFs are supported when you enter the password at upload.

Pricing

Personal accounts: first bank statement analysis report is FREE, then ₹49 per new statement with 30-day access. Business (NBFC) teams get subscription plans with multi-user underwriting tools.

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