Bank Statement Analytics for Salaried and Self-Employed Borrowers

Analyse salaried, self-employed, gig, and MSME customers with bank statement analytics—delivering accurate income detection, cashflow insights, and fraud signals for better underwriting and decisioning

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Trusted by Leaders

Categorisation Engine

Unlock the Full Potential of
Rich Transaction Data

20% Better Salary Detection

Identify income and repayment patterns clearly, even from messy transaction data

150+ Categories

Sort transactions to understand spending and true disposable income

95% Accuracy

Detect other EMI payments, bounces, rent, utility payments and more with high accuracy

Fraud Indicators

Identity anomalies hidden within standard banking data with secure, tamper-proof data

Outcomes

Build a Stronger Underwriting Framework

Boost approval rates

Find creditworthy
borrowers

Lower NPA
incidences

Increase loan
offer amount

income intelligence

Verify & analyse income

Build detailed profiles of salaried, gig, and self-employed customers

Assess income stability using past and projected earnings

Get computed indicators for repayment capacity and financial stability

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Financial Behaviour

Increase credit limit

Get insights from real-time cashflow data

Estimate liquidity over time based on behavioural trends

Detect new obligations or sudden shifts in inflows and outflows

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MSME Underwriting

Understand business risks

Classify businesses by persona and operating model

Compare bank credits against GST data

Track cash-flows, receivables, and concentration risks

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What you can do

Orchestrate better financial workflows with Ignosis

Underwriting

Find creditworthy borrowers

Use transaction-level income and cash-flow signals to identify applicants who can afford credit but fail bureau-only checks.

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risk

Catch inflated income and document fraud

Provide advisory and portfolio service using a customer’s financial data

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onboarding

Automate affordability checks

Estimate income and obligations upfront to filter out applications that don’t meet underwriting criteria and reduce TAT.

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underwriting

Pre-approve offers

Provide advisory and portfolio service using a customer’s financial data

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Wealth Management

Monitor portfolio with early warning signals

Assess financial soundness for derivatives and F&O service activation.

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case studies

Kissht expands lendable base and loan offer amount using financial data intelligence and real-time behavioural data

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+7%

increase in approval rate

+20%

improvement in collections

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testimonials

What our clients are saying

"We have been able to bring Ignosis's Account Aggregator (AA) orchestration capabilities to enable a faster, safer, and smoother data sharing experience for borrowers. It has allowed us to make more informed credit decisions and enhance access to credit for our customers."

Mohit Gupta

Chief Product Officer

“Ignosis team is extremely accessible and always on top of what is happening. What I liked most is that they always seek to understand the value they are creating for the client"

Swapnil Patil

Chief Product Officer

“Ignosis's analytics has enhanced our underwriting process through improved income detection accuracy. Their AA orchestration was seamless to integrate.”

Ajit Kumar

Co-Founder & COO

Want to explore what Ignosis can do for you?

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testimonials

What our clients are saying

View all resources

Mohit Gupta

Chief Product Officer

“Ignosis team is extremely accessible and always on top of what is happening. What I liked most is that they always seek to understand the value they are creating for the client"

Swapnil Patil

Chief Product Officer

“Ignosis's analytics has enhanced our underwriting process through improved income detection accuracy. Their AA orchestration was seamless to integrate.”

Ajit Kumar

Co-Founder & COO