What Is GSTR Analysis?
By evaluating GST filings like GSTR-1, GSTR-3B, and GSTR-9, you can clearly understand a business’s revenue patterns, filing consistency, tax liabilities, and compliance behavior.
With Pro Analyser’s GST Analyser, you can automate this process, eliminate errors, and generate insights in seconds—giving you a faster, smarter way to assess risk and creditworthiness.
Beyond Just Compliance
For NBFCs, auditors, CAs, and private lenders, GST filings have long been seen as a compliance formality,a box to tick. But in 2025, smart financial institutions are realizing something bigger: GSTR analysis isn’t just about compliance, it’s about insight.
When done right, GSTR analysis reveals a business’s true financial health, stability, and reliability—insights that credit scores and bank statements alone often miss.
Top Benefits of GSTR Analysis for Lenders and Auditors
1. Authenticates Business Revenue
Bank statements may show inflows, but they don’t always confirm business-generated revenue.
GSTR filings, especially GSTR-1 (sales return), give you visibility into actual sales volume reported to the government.
Use Case: NBFCs can confirm whether reported sales match claimed turnover — essential for MSME loans.
2. Detects Filing Irregularities & Compliance Gaps
Late returns? Gaps in GSTR-3B? Mismatches between GSTR-1 and GSTR-3B? These are red flags that could indicate operational inefficiencies or worse, financial manipulation.
For auditors and CAs, GSTR analysis offers early warning signals before errors become penalties.
3. Helps Spot Fake or Risky GSTINs
With fake vendors and inflated invoices becoming common, GSTR analysis can:
- Verify valid GSTINs
- Check filing history
- Flag suspicious activity
This is especially valuable for lenders trying to avoid loan fraud based on falsified documents.
4. Improves Borrower Risk Profiling
Lenders often rely heavily on credit scores, but those scores may be outdated or don’t reflect a business’s real-time operations.
GSTR analysis helps:
- Evaluate sales consistency
- Identify seasonal patterns
- Measure input tax claims vs output liabilities
This helps underwriters make more data-backed lending decisions.
5. Enables Faster Loan Approvals
Gone are the days of manually requesting GST filings, sifting through PDFs, and doing visual checks. With an automated GST Analyser:
- Data is extracted in seconds
- Red flags are auto-identified
- Reports are instantly shareable
This drastically reduces TAT (turnaround time) for DSAs and NBFC loan teams.
6. Supports Better Audit Trails & Documentation
For CAs and financial controllers, having a centralized and searchable GST analysis dashboard:
- Ensures no filing is missed
- Simplifies audit reporting
- Maintains regulatory readiness with clean, verified trails
Why GSTR Analysis Is the Future of Lending Due Diligence
India’s lending space is becoming more digitized and data-driven. Tools like Pro Analyser’s GST Analyser are reshaping how NBFCs, private lenders, and auditors assess borrowers beyond traditional means.
It’s not just about detecting fraud ,it’s about building smarter, faster, and more confident financial decisions.
Final Thoughts
If you’re still relying only on credit scores and manual verifications, you’re missing the bigger picture.
“Start your journey with Pro Analyser’s GST Analyser — and transform how you verify, evaluate, and lend.”