Master the Art of
Santulan AI.
Bridge the gap between raw data and actionable intelligence — the most sophisticated banking and GST analysis engine in India.
A complete suite of AI-powered financial intelligence tools — built for banks, NBFCs, and fintech enterprises.
Our Solutions
Automated Underwriting
Manual statement review takes hours per applicant, introduces human error, and slows loan decisioning.
Upload raw PDFs → get structured income, obligation, and creditworthiness data in seconds. Outputs a ready-made Lending Opinion card.
Credit Risk Assessment
Assessing repayment capacity from messy transaction data requires deep expertise and time.
Auto-generated Credit Assessment report with income stability scoring, obligation ratios, EMI detection, and repayment capacity.
Cash Flow Intelligence
Understanding real business health requires analyzing months of transactions across multiple accounts.
Cash Flow Analysis + Working Capital report with inflow/outflow trends, liquidity stress days, OD/CC utilisation, and seasonality patterns.
Fraud & Anomaly Detection
Fraudulent applicants manipulate bank statements — round-tripping, inflated credits, staged transactions.
Fraud Detection report auto-flags suspicious patterns, anomalies, and round-trip transactions before they reach a credit officer.
GST & Tax Compliance Verification
Reconciling declared GST turnover against actual bank credits is done manually today.
GST Reconciliation report auto-detects GST/TDS payments and cross-checks bank credits against implied turnover — flagging divergence instantly.
Fintech & LOS Integration (API)
Building statement analysis in-house is expensive and slow.
Plug in via Vendor REST API — submit a PDF, get back structured JSON + Excel report via webhook. No UI needed, fully embeddable.
MSME & SME Lending Intelligence
MSME borrowers lack audited financials — bank statements are the only source of truth.
Vintage & Stability, Peer Benchmarking, Business vs Personal Expense Split, and Counterparty Analysis give a complete MSME financial profile without any ITR or balance sheet.
Beyond Standard
Analytics.
Santulan goes far deeper than traditional bank statement parsing — delivering decisioning-grade intelligence that lenders can act on immediately.
Ready to redefine your
financial balance?
Join leading NBFCs, banks, and fintech platforms already using Santulan to process statements in under 2 minutes — with lending-grade accuracy.
