2021Founded2022BSA v12022GST API2024AI Core2025Scale2023KYC

Built by analysts,
for decision-makers.

Santulan was founded on one conviction: that lending decisions are only as good as the financial intelligence behind them.

Get in TouchOur Story
Our Mission

Turning raw transactions
into lending conviction.

India's credit gap isn't a shortage of borrowers — it's a shortage of reliable financial intelligence. We're closing that gap one statement at a time.

Precision over assumption
Every metric is sourced directly from transaction data — no estimates, no proxies.
Integrity in every output
Transparent logic, auditable reports, and GAAP-compliant cash flow statements.
Speed that enables scale
Under 2 minutes per statement unlocks volume lending without sacrificing quality.
"

"Santulan is not just a tool — it's a new way of interacting with financial data through the lens of balance. We believe every lending decision deserves the same depth of analysis that only the best credit officers once provided."

S
Founding Team
Santulan AI · 2023
Lending-grade
Decisioning Ready
What We Build

A complete intelligence layer for credit.

Bank Statement Analyser

Parse, classify, and score 14+ months of transactions across 300+ bank templates in under 2 minutes.

Cash Flow Statement

Auto-generate GAAP/IFRS-compliant cash flow reports from raw statement data — no accountant required.

GST Reconciliation

Cross-check bank credits against declared GST turnover and flag divergences instantly.

Fraud & Anomaly Detection

Round-trip transactions, staged credits, and balance manipulation — caught before credit review.

Income Stability Scoring

Volatility-adjusted scores that separate recurring income from one-time windfalls with confidence.

REST API & Integrations

Submit a PDF, receive structured JSON + Excel in under 2 minutes. No UI needed, fully embeddable.

Our Values

Principles we
don't compromise on.

Precision
No rounding, no estimates. Every number traces back to a transaction.
Integrity
Transparent reasoning behind every score and flag we surface.
Speed
Two minutes is our ceiling. We keep pushing it lower.
Accessibility
Enterprise-grade AI for every lender, not just the big ones.
Scale
Built to handle millions of statements without degrading accuracy.
Innovation
We stay ahead of manipulation tactics and data quality challenges.
Collective Expertise
Banking & Credit Analysis95%
Financial Data Engineering90%
AI / ML Research85%
Regulatory Compliance88%
30+
Years domain exp.
3M+
Txns processed
50+
Lender clients
SOC 2 CompliantGSTN ReadyREST APIGAAP / IFRSNo-code Option
Why Santulan

What makes us
different from the rest.

01

AI-Native, Not AI-Bolted

Built ground-up on financial ML models — not a generic PDF parser with an AI label.

02

India-First Data Depth

Trained on millions of Indian bank statements across 300+ templates, PSU to private sector.

03

Lending-Grade Accuracy

Every score is sourced from raw transactions — no proxies, no estimates, no black boxes.

04

Speed That Enables Scale

Under 2 minutes per statement means high-volume lending without compromising quality.

One Platform, Full Credit Stack

Bank statement parsing, GST reconciliation, cash flow reports, fraud detection, KYC — all from a single API integration. No stitching multiple vendors together.

Embeddable by Design

REST API with webhook callbacks means Santulan plugs directly into your LOS, mobile app, or underwriting workflow. No UI mandate, no implementation lock-in.

Built for MSME & Informal Credit

Most tools assume clean payroll data. Ours was designed for irregular income, mixed-use accounts, and the millions of borrowers the formal credit system ignores.

The People

Leadership
that has done this before.

Our founding team brings together decades of banking, data engineering, and enterprise software experience.

GD
Gourav Dalal
Co-founder & CEO

CA (ICAI) · MBA IIM Lucknow. 12+ years across credit analysis (ICICI Bank), MSME lending (Electronica Finance), risk & audit (Bajaj Finserv, Bajaj Housing Finance, Navi), and product leadership (LenDenClub). Founded Santulan to balance intuition and science in financial models for India's MSME sector.

LinkedIn
NU
Naveen Upadhyay
Co-founder & Director

10+ years at Vodafone & Vodafone Idea in infrastructure, operations, and zonal management across Maharashtra & Goa. Co-founded Walkfin before bringing operational scale expertise to Santulan.

LinkedIn
AM
Anoj More
Co-founder & Director

10+ years in telecom operations at Vodafone & Vodafone Idea — managing infrastructure, zonal ops, and network performance across Maharashtra & Goa. Co-founded Walkfin, bringing sharp operational execution and process discipline to Santulan.

LinkedIn
SD
Subhalaxmi Das
Co-founder & CTO

Extensive BFSI career spanning startups, MNCs, fintechs, and banks — with deep expertise in alternative financial products, financial infrastructure, and applied AI/ML. Leads all technology and platform engineering at Santulan.

Domain-First Hiring
Every team member has worked in banking, credit, or financial data — not just in tech.
Outcome-Driven Culture
We measure ourselves on lender outcomes — decisioning speed, accuracy, and credit inclusion.
Regulatory Awareness
Built with RBI guidelines, GSTN norms, and NBFC compliance frameworks baked in from day one.
Standard for the BFSI Industry

Experience the
Santulan difference.

Book a live demo and see a full Bank Statement Analysis report generated in real time — for your own sample statement.

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