Scientific Precision.
Institutional Scale.
AI-powered financial intelligence tools — built for banks, NBFCs, and fintech enterprises.
Module 01
Bank Statement Analyser
Transform raw financial data into a roadmap for credit decisioning with 99%+ accuracy in under 2 minutes.
Support for 300+ Financial Institutions and formats
300+ automated credit assessment checkpoints
Detection of circular trading and hidden liabilities
Multi-format support: Digital PDFs, Scanned, & Scans
Automated income, expense, and patterns categorization
Instant PDF to Excel/JSON structured data conversion
SANTULAN AI
Bank Statement Analyzer
10:21 am
RS
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Dashboard
Overview of all processed bank statements
TOTAL STATEMENTS
1214
1210 completed
UNIQUE BANKS
39
across all statements
HOLDERS PROFILED
194
unique account holders
SUCCESS RATE
100%
4 failed
Status
Done 1210
Processing 0
Queued 0
Failed 4
Daily Balance Trend
Working capital over statement period
Balance
₹0 OD line
₹5K stress
BANK
ACCOUNT HOLDER
PERIOD
STATUS
ACTIONS
ICICI
GURUKRUPA AGENCY
Jan 20 → Dec 20
Completed720Report
HDFC
7RMEDIA PVT LTD
Feb 25 → Mar 26
Completed568Report
Kotak
LAXMI AGENCIES
Jan 25 → Feb 26
Processing390Report
Latest Report
Health Score
568
SANTULAN AI
Total Inflow
₹4.64Cr
Total Outflow
₹7.04Cr
Net Cash Flow
-₹2.41Cr
Profile
THE
OVER-
LEVERAGED
OVER-
LEVERAGED
Module 02
Cash Flow Statement
Achieve total liquidity control with real-time forecasting and automated variance analysis.
Real-time monitoring of inflows and outflows
Advanced forecasting & stress-test scenario modeling
Clear GAAP/IFRS-compliant flow visualizations
Automated variance analysis against budgets
Working capital optimization & leakage detection
Integration with existing ERP & accounting systems
CashFlow Analysis
Bank Statement Analyzer
10:21 am
RS
LAXMI AGENCIES
Jan 2025 – Feb 2026 · 14 months
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TOTAL INFLOW
₹2.46Cr
TOTAL OUTFLOW
₹4.22Cr
NET CASH FLOW
-₹76.6L
CURRENT RATIO
0.82
BURN RATE
₹5.47L/mo
VOLATILITY
₹5.02L
Monthly Inflow vs Outflow
Inflow
Outflow
Cumulative Net Cash Flow
Cumulative
₹0 line
Monthly Closing Balance
Closing Balance
Seasonal Patterns (MoY)
Actual Flow
Avg Pattern
Top Inflow Categories
Other
91.3%
Loans Imp.
5.3%
Revenue
2.7%
Top Outflow Categories
GST
88.5%
Creditors
4.1%
EMI
3.7%
Bank Chg.
0.8%
Liquidity
Current Ratio
0.8
< 1 RISK
Avg Net Inflow₹24.7L/mo
Avg Net Outflow₹30.3L/mo
Cash Burn Rate₹5.47L/mo
Profile
CASH
DEFICIT
RISK
DEFICIT
RISK
Module 03
GST Analyser
Turn raw GSTN data into 360-degree actionable insights with direct government portal integration.
Direct GSTN Server Integration for real-time data
Automated reconciliation of GSTR-2A/2B with purchase data
HSN/SAC code & product category-wise analysis
ITC utilization tracking & procurement efficiency audits
Cross-period trend comparison and analysis
Customizable reports for tax liabilities & filing status
GST / Turnover Reconciliation
Auto-detect GST, TDS and advance tax payments and reconcile against bank credits
11:51 am
RS
← Back to Reports
AARAMBH ENTERPRISES
1 Statement · 3,140 transactions · Aug 2023 → Sept 2024
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9 GST payment(s) totalling ₹21,058.56 detected
No TDS transactions detected
Large divergence (99%) between bank credits (₹18,926,508) and GST-implied turnover (₹116,992)
Advance tax payments of ₹154,418 observed — indicates tax compliance
TOTAL BANK CREDITS
₹18.9L
TOTAL GST PAID
₹21K
9 transactions
TDS DETECTED
₹0
0 transactions
ADVANCE TAX
₹154K
1 transaction
TOTAL TAX OUTFLOW
₹175K
IMPLIED TURNOVER
₹117K
@ 18% GST rate
RECONCILIATION GAP
₹18.8L
77% divergency
Monthly Tax Payments
GST Paid
TDS
Advance Tax
Bank Credits vs GST-Implied Turnover
Implied turnover calculated at 18% effective GST rate. Large divergence may indicate off-book income.
Bank Credits
Implied Turnover
GST Payments (9)
TDS (0)
Advance Tax (1)
DATE
AMOUNT
TYPE
DESCRIPTION
2023-10-08
₹36.00
GSTGST
2023-11-14
₹5,000
GSTGST Payment
2024-04-15
₹1,54,418
ADV TAXAdvance Tax
Module 04
KYC Engine
Accelerate onboarding with AI-driven identity verification and global compliance screening.
Automated OCR for instant document processing
Video KYC with real-time liveness detection
Global AML & CFT watchlist screening
Biometric verification & facial matching
Customizable risk-based onboarding workflows
Bank-grade security & encryption standards
KYC Engine
Identity Verification & Compliance
10:21 am
RS
Verification Dashboard
April 2026 · 1,248 submissions processed
Live
TOTAL SUBMITTED
1,248
this month
VERIFIED
1,091
87.4% success
PENDING REVIEW
94
in queue
REJECTED
63
5.0% reject rate
Verification Pipeline
OCR Extraction
100%
Liveness Check
94%
Biometric Match
91%
AML Screening
88%
Risk Scoring
87%
AML Risk Distribution
Low Risk78%
Medium15%
High Risk7%
Global watchlists: OFAC, UN, EU, Interpol
NAME
DOC TYPE
SUBMITTED
RISK
STATUS
Arjun Mehta
Aadhaar + PAN
2 min ago
LowVerifiedPriya Sharma
Passport
14 min ago
MediumReviewRavi Logistics
GST + PAN
31 min ago
LowVerifiedFarhan Sheikh
Aadhaar + DL
1 hr ago
HighRejectedLive Stats
Avg. TAT
38s
per KYC
Video KYC412 sessions
AML Hits3 flagged
WatchlistsOFAC · UN · EU
Compliance
RBI
DPDP
READY
DPDP
READY
Lending-Grade Intelligence
Ready to see it
in action?
Book a live demo and see a full analysis report generated in real time — on your own sample statement.
< 2 min
Avg. Processing Time
99.9%
Accuracy Rate
300+
Bank Formats Supported
SOC 2
Certified & RBI Aligned
SOC 2 Compliant
< 2 Min Processing
300+ Bank Templates
99.9% Accuracy
REST API Ready
GSTN Integration