Bank statement intelligence · for lenders
Every rupee, every red flag, in sixty seconds.
Obsrv reads a bank statement the way your best credit analyst does, income, obligations, bounces, tampering, then shows the math behind every number. Analyze one statement, or consolidate a borrower's accounts into a single report. Built for NBFCs, DSAs, and lending teams. Self-serve, pay per statement.
No enterprise contract · no sales call · early lenders shape the roadmap
rendered from sample data · open the full report →
income verification · NACH / ECS bounces · FOIR · counterparties · cash deposits · tamper check · balance reconciliation · churn of funds
The status quo
Line by line, in Excel, after midnight.
Most lending teams still underwrite statements by hand, and the cost shows up as slow turnarounds and missed flags.
The hour per file
An analyst reads page by page, re-keys numbers into a spreadsheet, and the queue of applications keeps growing.
The missed flag
A NACH return on page 14, an EMI buried in narrations, a tampered PDF: the things a tired human read slides past.
The gated tools
Enterprise analyzers exist, behind sales calls, annual contracts, and pricing built for banks, not for your team.
What you get
The signals you actually underwrite on.
From any statement, whether digital, scanned, or password-protected, into one decision-ready report. Export PDF or JSON; API with early access.
Income & cash flow
- Salary / income detection & regularity
- Average & minimum monthly balance
- Net monthly inflow vs outflow
- Top counterparties received from
- Negative-balance days
Obligations & capacity
- Existing EMIs & recurring obligations
- FOIR / debt-to-income view
- Top counterparties paid to
- Estimated disposable income
- Channel mix · UPI / NEFT / RTGS / cash
Risk flags
- Bounced payments: NACH / ECS
- Cheque returns & penal charges
- Circular & suspicious transfers
- Statement tamper detection
- Anomalies explained in plain English
Method
Three steps. Under a minute.
01
Upload
Drop in the statement: digital PDF, scanned, or password-protected. Multiple months and accounts welcome.
02
Extract & verify
AI transcribes every transaction; deterministic checks reconcile each line against the running balance. Anything that doesn’t add up is flagged, never guessed.
03
Decide
A decision-ready report plus a recommendation (approve, refer, or decline) sized to your credit policy, with the reasons behind it. Your team approves, refers, or overrides; the call stays yours.
Borrower view
Consolidate a borrower's accounts into one report.
Bring six to twelve months across every account and bank into a single report, with one FOIR computed over all of it.
All accounts in one view
Combine multiple months and banks into a single report: income, obligations, and one FOIR computed across every account, instead of reading from a single statement.
Self-transfers netted out
When a borrower moves money between their own accounts, Obsrv matches the two legs and removes them, so income and spend are not counted twice. Each one is shown with a confidence score so you can check it.
Gaps and mismatches shown
Missing months, balance jumps between statements, and statements held under a different name are flagged, so you always know what the consolidated view is built from.
Every transfer Obsrv nets out traces back to the two source rows it came from
Why you can trust it
Numbers you can audit.
In lending, a wrong number is worse than a slow one. So Obsrv is built so you never have to take the AI’s word for anything.
The math is deterministic
AI transcribes; code calculates. Every aggregate (FOIR, balances, cash flow) is computed from the extracted ledger and re-checked against the running balance, line by line.
Uncertainty is flagged
Every extracted figure carries a confidence score. Anything below the bar is routed to human review, never silently passed into your report.
Data is not the product
Statements are encrypted in transit and at rest and processed in India. By default raw files are deleted as soon as the report is produced; you can opt into a retention vault and control deletion yourself. Applicant data is never sold or used to train models.
Why teams trust Obsrv
Obsrv, as in observe.
In lending, a wrong number is worse than a slow one. Obsrv is built so you never have to take the software's word for anything: the math is deterministic, every figure is reconciled, and uncertainty is flagged, never hidden.
A registered Indian company
Obsrv Technologies LLP. A real entity accountable for your applicants' data, not an anonymous tool.
Processed in India
Statements are encrypted in transit and at rest and processed in India (AWS Mumbai), aligned with the DPDP Act. You control retention and deletion.
Engineered for verification
Built by engineers from banking technology backgrounds. Every number is reconciled against the running balance and the risk score is computed by auditable code, not guessed by a model.
Questions, security reviews, or onboarding → [email protected]
Pricing
₹5 a page.
That's the whole price list.
One page analyzed costs one credit. Buy credits, spend them on statements. No subscriptions, no seat fees, no sales calls.
Start with free credits1 page = 1 credit = ₹5
A 12-page salary account costs ₹60 to analyze. A 60-page current account costs ₹300. CSV exports count 40 transactions as a page, so the same statement costs the same either way.
Short on credits? We say so.
If your balance covers 3 of 5 pages, we process 3, tell you exactly which pages remain, and hold the document for 7 days. Top up and resume where it stopped.
Early access starts free
Onboarded lenders get free credits: enough to run a real statement end to end before paying a rupee.
FAQ
Asked, answered.
What does Obsrv do with a bank statement?+
You upload a statement (PDF or CSV) and get an underwriting report in about a minute: verified income, existing EMIs and obligations, FOIR, NACH/ECS bounces, top counterparties, integrity checks, and a plain-English verdict your credit committee can read in one pass.
How much does it cost?+
₹5 a page: one page analyzed costs one credit. CSV exports count 40 transaction rows as a page, so the same statement costs the same either way. Credits are prepaid; there are no subscriptions, seat fees, or sales calls. New organizations start with a free trial page.
Why should a lender trust AI-extracted numbers?+
The AI only transcribes. All money math is computed deterministically, and every transaction is reconciled against the running balance, line by line. Anything that doesn't add up is flagged or held for human review, never silently passed into your report.
What happens to the statements I upload?+
Statements are encrypted in transit and at rest, processed in India (AWS Mumbai region), and raw files are deleted automatically after analysis. Applicant data is never sold or used to train models. Reports remain available to your account.
Which formats are supported?+
Digital PDFs, scanned PDFs, password-protected PDFs (provide the password at upload), and CSV exports from net-banking. Multiple banks and statement layouts are handled without per-bank templates.
Does Obsrv make the lending decision?+
No, you do. Alongside the report Obsrv gives a recommendation (approve, refer, or decline) sized to your credit policy, with the reasons and the affordability math behind it. Your underwriters approve, refer, or override it, every override is logged, and the report stays an aid to your decision, not the decision itself.
Can I analyze several statements for one borrower together?+
Yes. Group a borrower's statements into a case and Obsrv consolidates them into one reconciled report: combined income, a single FOIR across all accounts, and a merged cash-flow view. Money the borrower moves between their own accounts is detected and netted out, so income and spend are not double-counted, and every netted transfer is shown with a confidence score so you can audit it. Missing months and identity mismatches are flagged, never silently merged.
Early access
Get in before the queue does.
Early lenders are onboarded first and decide which banks and signals we build next.
- 01Join the waitlist. Takes a minute, no commitment.
- 02We onboard lenders in small batches and analyze your real statements with you.
- 03You get a tool tuned to your banks, your formats, your credit policy.
questions → [email protected]