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Bank statement analysis in 60 seconds — right inside WhatsApp
Upload a borrower's statement PDF, or let them send it to your WhatsApp number — and get income, existing EMIs, bounces, average balance and a credit-officer-ready risk score before your competitor has even opened the PDF.
Watch it in action
Real product, real flows — see exactly how it works before you sign up.
▶️ Replyzet for lenders — EMI collections demo (Hindi)
▶️ Replyzet for lenders — EMI collections demo (English)
Watch it work — 80 seconds
Upload a statement (or receive it on WhatsApp) and get a full credit report with risk score.
From PDF to credit decision in three steps
1 · Get the statement
Upload the borrower's PDF in your dashboard — or have them send it straight to your WhatsApp Business number. No email chains, no scanning apps.
2 · AI reads every transaction
Every row is extracted — dates, narrations, debits, credits, balances — then salary, EMIs, bounces and cash flows are computed deterministically. Same statement, same numbers, every time.
3 · Decision-ready report in ~60s
Risk score, FOIR, red flags, month-by-month table and the full transaction list — exportable as PDF or Excel for your credit file.
What the report looks like
A sample report, exactly as your credit team sees it — every number verifiable against the extracted transaction list, exportable as PDF or Excel.
| Month | Credits | Debits | Salary | EMI | Bounces | Closing |
|---|---|---|---|---|---|---|
| 2026-04 | ₹1,08,900 | ₹96,400 | ₹62,000 | ₹14,850 | — | ₹51,200 |
| 2026-05 | ₹1,19,300 | ₹1,04,100 | ₹62,000 | ₹14,850 | 1 | ₹44,900 |
| 2026-06 | ₹1,09,150 | ₹94,130 | ₹62,000 | ₹14,850 | — | ₹50,090 |
3 free reports every month · no card required
Manual scrutiny vs enterprise tools vs Replyzet
| Manual scrutiny | Enterprise analyzers | Replyzet | |
|---|---|---|---|
| Time per statement | 45–60 min with a highlighter | 2–5 min | ~60 seconds |
| Pricing model | Analyst hours | ~₹100 per statement (analysis only) | From ₹30/report — suite included |
| How statements come in | Email, print-outs | Web upload only | WhatsApp + web upload |
| Free to try | — | Rarely | 3 reports every month, free |
| Loan management + EMI reminders | Separate software | Not included | Built into the same platform |
| Built for | — | Banks & large NBFCs | Small NBFCs, DSAs & financiers |
Cheaper per report than pay-per-statement tools
Per-statement analyzers charge around ₹100 for the parse alone. Here, every report also includes WhatsApp intake, a risk score, loan eligibility and the full lending suite — from just ₹30 a report.
Free
- ✓Full report — score, FOIR, red flags
- ✓PDF & Excel export
- ✓WhatsApp statement intake
Basic
- ✓Everything in Free, plus:
- ✓WhatsApp Business inbox & campaigns
- ✓Loan eligibility on every report
Premium
- ✓Loan Manager — full book + WhatsApp collections
- ✓EMI reminders & auto payment links
- ✓AI agent, ads & priority support
Only need a few statements a month? The Free plan covers 5 — no card, forever. Need more than 300? See all plans →
Manual statement scrutiny is where small lenders lose deals
Every NBFC, DSA and vehicle financier does it: a borrower sends a 30-page bank statement, and someone spends an hour with a highlighter hunting for salary credits, hidden EMIs and cheque bounces. Enterprise tools solved this years ago — but they are priced and built for banks, with per-statement charges and integrations a 5-person lending team will never use.
Replyzet's Bank Statement Analyzer reads the entire PDF with AI, then computes the numbers a credit officer actually underwrites on — deterministically, so the same statement always produces the same report: monthly credits and debits, detected salary, existing EMI obligations, bounce/return entries, average balance, cash dependence and FOIR.
What every report gives you
- ✓Risk score (5–95) with a clear Low / Medium / High band
- ✓Salary detection — recurring employer credits, month by month
- ✓Existing EMIs — ECS/NACH/ACH debits to other lenders, so hidden obligations surface instantly
- ✓Bounce and return entries (cheque returns, ECS/NACH failures) with penalty charges
- ✓FOIR — existing EMIs as a share of detected income
- ✓Average monthly balance, monthly closing balances, cash deposit share
- ✓Red flags a credit officer would circle, listed in plain language
- ✓The full extracted transaction list, categorised and exportable
The part no other analyzer has: WhatsApp intake
Web-only analyzers still make your team collect PDFs on email and upload them one by one. With Replyzet, the borrower simply sends the statement to your connected WhatsApp number — the report appears in your dashboard automatically, tagged with their phone number, and the borrower gets a polite confirmation. Your field agent forwards a PDF from the customer's shop; by the time they're back on the bike, the report is ready.
And because it lives inside Replyzet, statement analysis connects to the rest of your lending stack: approve the loan, manage it in Loan Manager, collect EMIs with automatic WhatsApp reminders and payment links — one platform, one subscription.
Priced for the 92% of lenders enterprise tools ignore
Per-statement pricing punishes you for growing. Replyzet includes the Bank Statement Analyzer in every plan — even Free, with 3 reports a month, so you can judge the accuracy on your own borrowers before paying anything. Paid plans include from 25 up to 1,000 reports a month by plan — at Precisa's ~₹100/statement rates, even the entry plan's quota is worth more than the plan itself — alongside the full WhatsApp platform: inbox, campaigns, chatbots and Loan Manager.
Frequently asked questions
Which banks' statements does it support?+
Statements from Indian banks in standard PDF format — including private, PSU, co-operative and gramin banks. The AI reads the statement like a human analyst, so it doesn't depend on a fixed bank-by-bank template list.
How do borrowers send statements on WhatsApp?+
Turn on WhatsApp intake in the Statement Analyzer. Any bank-statement PDF sent to your connected WhatsApp Business number is analyzed automatically and appears in your dashboard, tagged with the sender's phone number.
Are scanned or password-protected PDFs supported?+
Password-protected PDFs are detected up front with a clear message to re-save the file without a password. Digital (text) PDFs work best; low-quality scans of printed statements may not parse reliably.
How accurate is the analysis?+
Transactions are extracted by AI, but every metric — salary, EMIs, bounces, FOIR, the score — is computed deterministically from those rows, and the full transaction list is shown so you can verify any number in the report yourself.
Can I download or share the report?+
Yes. Every report downloads as a print-ready PDF — including a full transaction annexure — or as an Excel-ready CSV, so you can file it with the loan application or share it with your credit committee.
Is my borrower's data safe?+
Statements are processed over encrypted connections and reports are visible only inside your workspace. You can delete any report permanently at any time.
What does it cost?+
It's included in every Replyzet plan. The Free plan includes 3 reports a month — no card required — and paid plans include 25 to 1,000 reports a month depending on the plan, along with the full WhatsApp engagement platform and Loan Manager.
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