Statement analysis

Bank statement analyzer software for India

StatementIQ is an AI bank statement analyzer (also spelled analyser) for Indian PDF and Excel statements, plus UPI wallet PDFs from Google Pay and PhonePe. Upload HDFC, SBI, ICICI, Axis, and 200+ other Indian banks to extract transactions, run statement analysis, and unlock insights in minutes. First report free — then ₹49 or subscribe for 10 or 25 reports a month.

Start free analysis PDF report details

Bank statement analyzer tools — PDF, Excel, and AI

Use StatementIQ as a bank statement analysis app in the browser. Analyse bank statements online from PDF or Excel, including free first-report access. AI analysis labels spend such as salary, EMI, shopping, and food, and tags UPI, IMPS, NEFT, card, and cash as payment mode — then builds a shareable analysis report.

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, shopping, food, and more.
Payment mode tags UPI, IMPS, NEFT, card, and cash separately from those spend categories.
You get a FinHealth score, recurring merchants, AI chat with txn citations, 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 200+ Indian banks — HDFC, SBI, ICICI, Axis, Kotak, PNB, Bank of Baroda, and others including small-finance, payments, RRBs, and cooperatives. Bank is auto-detected from IFSC or letterhead. Password-protected PDFs are supported when you enter the password at upload.

Pricing — pay per report or subscribe

Bank statement analysis online for India: your first report is free — charged per statement, not per page (a 20- or 30-page PDF is still one free unlock). After that, unlock each extra statement for ₹49, or subscribe for a monthly bundle — Starter ₹149 / 10 reports or Plus ₹249 / 25 reports. Promo codes work at checkout. Each unlocked report stays in your account for 24 hours.

First report

₹0

Free for new personal accounts — one full statement even if the PDF is 20–30 pages. FinHealth, AI chat, and PDF included.

Pay per report

₹49 / statement

Unlock one extra bank statement analysis report. 24-hour access.

Starter — subscribe

₹149 / month

10 statement analysis reports each month. 1 credit per report after your free first report.

Plus — subscribe

₹249 / month

25 statement analysis reports each month. Best value if you analyse many statements.

Subscribe from My account → Billing after you sign in.
The first free report does not use a monthly credit and has no per-page free quota.
Unused monthly credits reset when the plan renews.

Start free — then subscribe Full pricing