In the fast-paced world of fintech, data is the new currency. But raw data, specifically thousands of pages of bank statements is often more of a bottleneck than an asset. At Pro Analyser, we believe that financial institutions shouldn’t be slowed down by manual paperwork.
Here is a look at who we are, what we do, and how we are reshaping the future of credit underwriting and financial analysis.
What is Pro Analyser?
Pro Analyser is an advanced, AI-driven financial data analysis platform designed to transform raw financial documents into actionable intelligence.
At its core, it is a smart automation engine. Instead of credit officers spending hours scrolling through PDFs or Excel sheets, our platform instantly parses, categorizes, and analyzes data from:
- Bank Statements: Detecting income stability, hidden liabilities, and spending patterns.
- GST Filings: Validating business turnover and tax compliance.
- ITR Reports: Calculating repayment capacity with precision.
What Are We Doing?
We are solving the “Efficiency Gap” in lending. Traditionally, verifying a borrower’s financial health took days. We’ve brought that down to minutes.
Our technology focuses on three pillars:
- Automation: Eliminating 90% of manual data entry through high-fidelity OCR and machine learning.
- Risk Intelligence: Identifying “Red Flags” like cheque bounces, circular trading, or suspicious cash deposits that the human eye might miss.
- Scalability: Helping small NBFCs and large banks alike process 10x the volume of applications without increasing their headcount.
Who Are We Helping?
Our products are built for the architects of the financial world. We empower:
- Lenders & NBFCs: To make faster, “Yes/No” credit decisions with confidence.
- Auditors & CAs: To automate transaction categorization and financial due diligence.
- DSAs (Direct Selling Agents): To pre-screen files before submission, ensuring higher approval rates.
- Wealth Managers: To get a 360-degree view of a client’s cash flow and financial discipline.
Our Products: A Deep Dive into Financial Intelligence
We’ve built three specialized “engines” that work together to eliminate guesswork and manual labor. Each tool generates a comprehensive report that acts as a “Financial X-Ray” for your clients.
1. Bank Statement Analyser
Our Bank Statement Analyser (BSA) is designed to do the heavy lifting for credit teams. It doesn’t just read data; it understands the financial story behind the numbers.
What’s in the Report? The Pro Analyser’s Bank Statement Analysis Software generates a multi-dimensional view of a borrower’s financial health, including:
- Executive Summary & Cashflow: A high-level overview of monthly inflows, outflows, and net cash flow. For instance, our report instantly identifies the Average Monthly Balance (AMB) and tracks how liquidity changes month-on-month.
-
Behavioral Insights (The “Red Alerts”): This is where our AI shines. The report automatically flags critical indicators such as:
- Circular Trading: Detecting parties involved in both credit and debit.
- Bank Holiday Activity: Flagging NEFT/RTGS transactions on non-working days.
- Balance Mismatch: Ensuring 100% data integrity where every transaction is verified against the final balance.
- Suspicious Patterns: Identifying frequent cash deposits or immediate withdrawals after a salary credit.
- Loan & EMI Tracking: The tool automatically isolates EMI payments and Loan disbursements. It tracks “Misses” (bounces) and intervals, helping you see exactly how many active loans a borrower is servicing.
- Counterparty Analysis: We categorize transactions by entity (e.g., Zomato, Groww, Amazon) and payment type (UPI, IMPS, Cash), so you can see where the money is really going.
The Pro Advantage: Our reports achieve 100% accuracy by verifying every single transaction against the balance. Whether it’s a 10-page PDF or a 1,000-page scan, Pro Analyser delivers a structured Excel/CSV or PDF report that highlights 24+ specific risk indicators in seconds.
2. GST Analyser
While bank statements show cash flow, the GST Analyser provides the “official” version of a business’s performance. Our tool processes GST returns (GSTR-1, GSTR-3B, GSTR-2A/2B) to provide a transparent view of sales and compliance.
Key Features of the GST Report:
- Multi-Year Turnover Analysis: The report provides a comparative view of gross and net turnover across different financial years. For example, our sample shows a detailed breakdown for FY 2024-25 and the start of FY 2025-26, allowing lenders to see growth trends at a glance.
- Sales Integrity (GSTR-1 vs. GSTR-3B): One of the most critical checks for any credit manager is ensuring that the sales declared in GSTR-1 match the taxes paid in GSTR-3B. Pro Analyser automates this reconciliation, highlighting any discrepancies that could indicate tax risks.
- Compliance Track Record: We don’t just show if returns were filed; we show when. The Return Status section tracks filing dates and calculates Delay Days. In our sample, the borrower maintains a perfect record with 0 delay days, a massive green flag for creditworthiness.
- Tax Liability & ITC Insights: The report breaks down how much tax was paid in Cash vs. Credit (ITC). This helps in understanding the actual cash outflow of the business and the health of its supply chain.
- Business Profile Verification: Instantly verify the GST Status (Active/Inactive), Trade Name, and Nature of Business (e.g., Service Provision, Wholesale, Retail) directly from the GSTN portal data.
Why Lenders Love It: It eliminates the manual work of downloading multiple portal files. Pro Analyser consolidates months or years of GST data into a single, easy-to-read Excel or PDF, making “Sales vs. Banking reconciliation is a 5-minute task instead of a 2-hour one.
3. ITR Analyser
If the Bank Statement is the “Pulse” and the GST is the “Strength,” then the ITR Analyser is the “Foundation” of a borrower’s credit profile. Our tool extracts data from ITR-V and Income Tax Computation forms to provide a multi-year analysis of tax compliance and earning stability.
What’s in the Report?
- Income Source Breakdown: Instantly see the split between Salary, Business Income, House Property (Rent), and Capital Gains. This helps you understand how diversified and stable the borrower’s income really is.
- 3-Year Comparative Trend: The report automatically lines up the last three years of filings. You can instantly spot if a business is growing or if there has been a sudden, unexplained dip in income.
- Tax vs. Income Validation: We calculate the effective tax rate and ensure that the “Total Income” declared matches the tax paid. It also highlights exemptions and deductions claimed, giving you a clearer picture of the borrower’s actual disposable income.
- Verification of Filings: Our tool checks the E-filing acknowledgement status to ensure the documents provided are authentic and actually filed with the Department.
The Pro Advantage: Instead of manually digging through complex 20-page ITR computation sheets, Pro Analyser gives you a one-page executive summary. This allows credit officers to confirm “Repayment Capacity” in seconds rather than hours.
How These Reports Transform Your Credit Decisioning
When you use these three products together, you aren’t just looking at documents; you are looking at a 360-degree Financial Identity.
- Bank Statement Analysis shows current liquidity.
- GST Analysis proves business legitimacy.
- ITR Analysis confirms long-term stability and compliance.
By combining these, Pro Analyser helps you reduce your Loan Turnaround Time (TAT) from days to minutes, while cutting your risk of NPAs significantly.
Our Impact in Fintech: Why Leading Institutions Trust Us
At Pro Analyser, we aren’t just building software; we are setting a new standard for financial due diligence. Since our launch in Coimbatore in 2023, we have grown to support over 1,200 active users across India.
Our impact by the numbers:
- 90% Reduction in TAT: Our partners have moved from a 48-hour loan approval process to under 4 hours.
- 100% Data Integrity: By eliminating manual data entry, we’ve removed the “Human Error” factor from credit underwriting.
- Fraud Prevention: Our built-in red flags and tamper detection have saved lenders from potential NPAs by spotting suspicious activities at the pre-sanction stage.
Ready to Accelerate Your Workflow?
Don’t let manual analysis hold your growth back. Join the thousands of finance professionals who have already switched to a smarter way of working.
See Pro Analyser in action with your own data samples. Experience the power of automated analysis today, no credit card required.
Leave a Reply
You must be logged in to post a comment.