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

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
income intelligence

Verify & analyse income

Increase approval rate with Income intelligence. Our models detect income, EMIs, bounces and financial transactions with 95% accuracy.
Financial Behaviour
Financial Behaviour

Increase credit limit

Observe savings discipline, spend patterns, and credit utilization to identify responsible borrowers
MSME Underwriting
MSME Underwriting

Understand business risks

Interpret live banking data and GST data together to assess MSME cash flows, margins, and creditworthiness.

Trained to interpret India’s financial complexity.

Up to 30%

reduction in DPD 90+ cases

60%

reduction in cost to
underwrite

>98%

Financial categories (EMIs, bounces) categorization accuracy

+15-20%

Improvement of Income and Salary identification

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.
risk

Catch inflated income and document fraud

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

Automate affordability checks

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

Pre-approve offers

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

Monitor portfolio with early warning signals

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

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

+7%
increase in approval rate
+20%
improvement in collections
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

“Working with Ignosis, we layered AA-derived signals into case allocation, digital nudges, and Voice AI follow-ups complementing our in-house collections operations. This integrated, signal-driven workflow delivered over 15% improvement in collections efficiency in this segment.”

Nihit Bandaru
Head of Product - Consumer Lending, slice

"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

“Working with Ignosis, we layered AA-derived signals into case allocation, digital nudges, and Voice AI follow-ups complementing our in-house collections operations. This integrated, signal-driven workflow delivered over 15% improvement in collections efficiency in this segment.”

Nihit Bandaru
Head of Product - Consumer Lending, slice

"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

“Working with Ignosis, we layered AA-derived signals into case allocation, digital nudges, and Voice AI follow-ups complementing our in-house collections operations. This integrated, signal-driven workflow delivered over 15% improvement in collections efficiency in this segment.”

Nihit Bandaru
Head of Product - Consumer Lending, slice

"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?
Book a short consultation with our experts now.
Connect with Our Team

Compliant by design

Ignosis is built with RBI-aligned compliance and strong security controls to protect data and ensure operational integrity.

Offerings

More ways to build with Ignosis

AA Orchestration

Improve customer onboarding and data fetch by automatically selecting best-performing AAs

Income Analysis

Determine risk and repayment capabilities for salaried, gig, and thin-file borrowers

MSME Underwriting

Profile merchants and analyse turnover, volatility, FOIR and risk for business lending

Personal Finance Management

Help users understand and manage their finances through a unified dashboard

Customer Data Intelligence

Use financial behaviour signals to personalise products and engagement.

AI Collections

Optimise recovery with case prioritisation, AI-led outreach, and mandate optimisation.

Partnership Lending

Power embedded lending with pre-integrated infrastructure and configurable credit journeys

Voice AI

Integrate AA insights with agentic Voice AI for different financial workflows
resources

Latest insights & articles

Agentic ai

Underwriting on the Wall: Why Credit Cards Are Entering an Intelligence-First Era

13th Apr 2026
Agentic ai

You cannot hire your way out of debt recovery — not at India’s scale.

21th Jan 2026
collections

How AA Is Transforming MSME Lending: Adoption Trends and Portfolio Intelligence

24th Nov 2025
lending

Ignosis Raises $4M Led by Peak XV’s Surge to Democratise Financial Data & Inclusion in India with DPI Rails and AI-Driven Analytics

30th Sep 2025
collections

The AA Advantage: Automating SEBI Prohibition of Insider Trading Compliance for a Frictionless Future

7th May 2025
agentic ai

Building More Reliable Credit Models with AA-Verified Income

21th Mar 2025
Underwriting

Underwriting on the Wall: Why Credit Cards Are Entering an Intelligence-First Era

April 13, 2026
Agentic AI

You cannot hire your way out of debt recovery — not at India’s scale.

January 21, 2026
Collections

How AA Is Transforming MSME Lending: Adoption Trends and Portfolio Intelligence

November 24, 2025
Lending

Ignosis Raises $4M Led by Peak XV’s Surge to Democratise Financial Data & Inclusion in India with DPI Rails and AI-Driven Analytics

September 30, 2025
Collections

The AA Advantage: Automating SEBI Prohibition of Insider Trading Compliance for a Frictionless Future

May 7, 2025
Agentic AI

Building More Reliable Credit Models with AA-Verified Income

March 21, 2025
Collections

How Tech Is Changing Loan Collections?

March 27, 2023
AA

Collections Efficiency: The Playbook to Combine the Best of AI and Human Intelligence

October 18, 2022
ONDC

Role of AA In Financial Planning And Wealth Management

October 18, 2022
AA

AA Orchestration: The Strategic Imperative for BFSI

ONDC

The Rise of PDF Frauds in Financial Data Sourcing — and Why Account Aggregator (AA) Is the Way Forward

get in touch

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