Bank Statement Health Checker
What does bank statement analysis reveal?
Bank statement analysis is the process of extracting behavioural credit signals from a borrower's transaction history — bounce frequency, EMI regularity, cash flow patterns, and balance maintenance. For MSME lenders in India, this replaces ITR-only underwriting with real cash evidence, enabling accurate credit decisions for borrowers with thin formal financial records.
Enter key statement metrics manually to get an indicative health score. No file upload needed.
Statement Metrics
Sample Health Score
Key Factors
Sample mode only. Production scoring in Santulan uses full transaction semantics.
What Each Marker Signals
Bounce Rate
Inward cheque / NACH bounce frequency is a leading signal of payment stress and repayment risk.
Balance Ratio
Average account balance relative to monthly outflows indicates liquidity cushion and over-leveraging.
Cash Deposit Ratio
High cash deposit ratios flag informal income patterns that may indicate undisclosed obligations.
Score from real bank data — not estimates
The full Santulan platform analyses 300+ bank formats with AI-driven transaction semantics, fraud detection, and an instant AI Health Score.