Cornerstone underwriting guides
Long-form playbooks for Indian DSAs, CAs and credit desks — written to the same CBS laws as the product.
Vendor comparison · 2,640 words
Perfios Alternatives for DSAs and Chartered Accountants: Perfios vs ScoreMe vs FinAnalyser
Independent DSAs and practising CAs do not buy BSA the way a national NBFC buys BSA. This cornerstone compares Perfios-class enterprise platforms, ScoreMe-style credit utilities, and FinAnalyser on features, access, and total cost — with honest coverage (45 dedicated Indian bank parsers, IFSC-aware detection, and a universal PDF fallback — not a claim of 180+ bespoke parsers.).
Tamil Nadu masterclass · 2,667 words
How DSAs in Tamil Nadu Analyze Indian Bank and Canara Statements
Tamil Nadu retail and SME files are not “generic Indian PDFs.” They are Indian Bank, Canara, CUB, KVB, TMB and IOB layouts feeding Cholamandalam, Sundaram, Shriram and HDFC desks. This masterclass is the regional playbook.
Dishonour directory · 2,699 words
Complete 72 CTS Cheque Bounce Codes Directory for India
Indian credit files die on return codes that clerks lump as “bounce.” This directory maps the 72-code-class used in CTS cheque, ECS and NACH clearing — with underwriter action, typical bank penalty, and Law-4 separation.
CBS engineering · 2,679 words
TCS BaNCS vs Infosys Finacle vs Oracle FLEXCUBE: Why Bank Statement PDF Parsing Needs Balance Continuity
Indian bank PDFs are not “tables.” They are TCS BaNCS, Infosys Finacle and Oracle FLEXCUBE print streams. This guide explains why generic converters fail and why Layer-4 mathematical continuity is the quality gate.
Salaried PL playbook · 2,571 words
How to Calculate FOIR and Detect Fake Salary Deposits
Fixed Obligation to Income Ratio is only as good as the income and the obligations you feed it. This playbook shows the formula, lender caps, fake-salary patterns, and how FinAnalyser reads them from Indian PDFs.
Account-type underwriting · 2,686 words
RBI Commercial Entity Rules: Current vs Savings Accounts in Bank Statement Analysis
Product eligibility, CC/OD, and GST-style turnover analysis all depend on whether the account is Savings or Current. This guide translates commercial-entity practice into a statement-analysis control (Law 5).
Mumbai handbook · 2,512 words
Mumbai DSA Loan Syndication Handbook: BKC, Fort and Andheri
Mumbai channel desks do not lose files to “lack of hustle.” They lose them to unnoticed inward returns and clerk Excel. This handbook is how 100+ files/week works without manual data entry.
Bengaluru fintech · 2,509 words
Bengaluru Fintech Personal Loan Underwriting Standards
Bengaluru’s PL market is CMS payroll, stacked digital EMIs, and syndicators who cannot wait 40 minutes for FOIR. This is how Navi, KreditBee and MoneyView-style desks read statements — and how FinAnalyser matches that clock.
CA working papers · 2,506 words
Section 44AB Tax Audit: Bank Statement Reconciliation with Tally Prime and Zoho Books
44AB still begins with bank books. This CA guide shows how to reconcile twelve-month PDFs to Tally Prime / Zoho Books without dropping wraps, inventing amounts, or treating bounced cheques as sales.
ROI business case · 2,508 words
How Loan Agents Save ₹15,000+ per Month Replacing Data-Entry Clerks
The ₹15,000–₹18,000/month Excel clerk is the hidden COGS of Indian loan syndication. This ROI guide shows when FinAnalyser pays for itself — in rupees and in commissions not clawed back.