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14-day free trial · Beta access

The Smarter Way to Analyse Bank Statements.

Drop in a PDF. SanityScan reads every transaction, reconciles the balances, flags the bounces, and hands back an underwriting-ready report with the evidence attached to every number.

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  • No card required
  • Statements purged in 15 minutes
  • Export to PDF

Reads statements from

  • HDFC Bank
  • ICICI Bank
  • State Bank of India
  • Axis Bank
  • Kotak Mahindra
  • Bank of Baroda
  • Punjab National Bank
  • IndusInd Bank

Capabilities

What comes back in the report

Not a summary of the statement — a pre-underwriting audit, with every finding traceable to the rows that produced it.

Every transaction parsed

Six months of rows read line by line — credits, debits, transfers and charges — then reconciled against the closing balance so nothing is quietly dropped.

Bounces and returns surfaced

Cheque returns, EMI dishonours, penalty charges and insufficient-funds events are pulled out with the dates and amounts that evidence them.

AMB, FOIR and DSCR

The ratios underwriting actually asks for, computed from the statement rather than from what the applicant says they earn.

Checklists per loan product

Home, car, personal and business loans each load their own set of checks, so a report answers the questions that product is assessed on.

Scanned statements too

Text-based PDFs are read natively; image-only pages fall back to on-device OCR. Password-protected statements open with the bank's password.

Zero data retention

Statements are processed in memory and purged within fifteen minutes. Nothing is written to disk and nothing is used to train a model.

How it works

From raw statement to signed-off file

Four steps. The longest one is choosing the file.

  1. 01

    Choose the loan product

    Pick home, car, personal or business. The matching bank checklist loads with it, so the report is scoped before a single page is read.

  2. 02

    Drop in the statement

    One 6-month PDF, up to 25 MB. No cleanup, no CSV export, no reformatting — the file the bank sent is the file we read.

  3. 03

    The engine runs

    Parsing, balance reconciliation, ratio computation and red-flag detection, with progress reported at every stage rather than a blank spinner.

  4. 04

    Read or export

    A tabbed report per checklist section, every metric tagged healthy, watch or risk — then exported as a PDF for the underwriting file.

Coming soon

More of the file, not just the statement

The same evidence-first treatment applied to the other documents an underwriting file turns on. In build — not available yet.

  • CIBILCredit bureau checkComing soon
  • GSTGST returnsComing soon
  • ITR AnalysisITR reviewComing soon
~20sTypical runfor a text-based 6-month statement
6Months readevery row, not a sample
4Loan productseach with its own checklist
15mRetentionthen the file is purged

Pricing

Start free, upgrade when the volume justifies it

Beta access is granted by request while we keep the cohort small enough to support properly.

Free

Freeno card required

Perfect for trying out the platform.

  • 20 files / month
  • Basic Health Score
  • Standard support
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Recommended

Paid

$20billed monthly

For teams putting a desk's worth of files through every week.

  • Unlimited files
  • Advanced DSCR & liquidity
  • Custom advisory reports
  • Priority support
  • Dedicated account manager
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FAQ

Questions we get asked

Something not covered here? Email us and a human will answer.

Yes. SanityScan operates a zero data retention policy: an uploaded statement is held in memory only for as long as the analysis takes and is purged within fifteen minutes. It is never written to disk, never used to train a model, and the extracted text is released the moment you close or cancel a run.

PDF bank statements, including most major Indian and international formats. Text-based statements are read natively; scanned or photographed pages fall back to on-device OCR. If the bank locked the PDF, enter its password on the upload step — the file is decrypted in memory, and the password is never stored.

From average monthly balance, bounce and return history, and FOIR, weighted by rules built alongside working underwriters. Every input is shown alongside the score, so a number you disagree with can be traced to the transactions behind it rather than taken on trust.

You are told why, in terms you can act on: a scanned page OCR could not read, a password-protected file, a document that is not a bank statement, or one that does not match the loan product you selected. Where the fix is a different loan type, the report offers to re-run against it without you uploading the file again.

Yes. The free beta plan covers twenty files a month; the paid plan removes the limit. Reports can be exported as PDF and attached to whatever underwriting file or CRM your team already uses.

Put one real file through it.

That is the honest test. Twenty seconds later you will know whether this belongs in your process.

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