Is FinAnalyser cheaper than enterprise competitors?

Yes. FinAnalyser starts at ₹7/report with no minimum contract, compared to enterprise solutions which charge ₹75–₹150/report with mandatory annual contracts of ₹5L+. Small NBFCs and DSAs save 80–95% instantly.

Which Indian banks does FinAnalyser support?

FinAnalyser supports 180+ Indian banks including all public sector banks (SBI, Canara, PNB, BOB), private banks (HDFC, ICICI, Axis, Kotak, IDFC), small finance banks (AU, Equitas, Ujjivan, ESAF), payment banks (Paytm, Airtel, IPPB), cooperative banks, all 55+ Regional Rural Banks, and major foreign banks. A UniversalParser handles any remaining bank automatically.

How long does bank statement analysis take?

FinAnalyser analyses bank statements in under 2 minutes for most reports. Multi-PDF reports (3–5 PDFs) complete in 8–15 seconds thanks to parallel processing — significantly faster than the industry average of 20–30 seconds.

Can FinAnalyser handle password-protected bank PDFs?

Yes. FinAnalyser automatically detects encrypted PDFs and shows a per-file password input with bank-specific hints (e.g., HDFC: first 5 chars of PAN + DOB). Password hints are available for 38+ Indian banks.

Does FinAnalyser detect salary and income accurately?

FinAnalyser uses 300+ salary narration patterns across all Indian payroll systems (Razorpay Payroll, Darwinbox, Zoho Payroll, Keka, etc.) and returns a 0–100 salary confidence score. It distinguishes between salaried, self-employed, and business income.

What is the difference between FinAnalyser and AA-based platforms?

FinAnalyser works via direct PDF upload — no Account Aggregator (AA) integration needed. Many alternative platforms require complex customer consent flows via AA. FinAnalyser can process historical statements up to 2–3 years old, and supports 180+ banks including regional banks that AA platforms often miss.

How to Detect Circular Trading in 5 Minutes

Circular trading is a fraudulent practice where a group of companies sell goods to each other to inflate turnover without actual business movement. For lenders, this is a critical risk signal.

The "Round Trip" Pattern

The most common sign is the "Round Trip". Company A sends ₹10L to Company B. Company B sends ₹10L to Company C. Company C sends ₹10L back to Company A.

On paper, all three companies show ₹10L turnover. In reality, net cash flow is zero.

How FinAnalyser Detects It

Our algorithms map the Counterparty Graph. We don't just look at the amount; we look at the network.

Velocity Check: Funds moving in and out within same day.
Cluster Analysis: Identifying closed loops of 3+ entities.
Volume Mismatch: High turnover but low tax payments (GST/ITR).

Why Manual Checks Fail

A human analyst reading a 500-page PDF will miss the connection between Page 12 (Debit to B) and Page 450 (Credit from C). FinAnalyser sees the whole picture instantly.

The "Round Trip" Pattern

How FinAnalyser Detects It

Why Manual Checks Fail

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