Finpass API Collection
    • Introduction
    • Bank Statement Analyser
      • Upload Statement
        POST
      • Statement Result
        GET

    Introduction

    Finpass
    Leading Financial Data Analysis & Underwriting Platform

    The smartest way for enterprises to analyze financial data and make lending decisions.#

    Revolutionizing Financial Data Analysis
    Finpass is a leading financial data analysis platform that revolutionizes underwriting and credit decisioning processes. We provide a comprehensive suite of analyzers that help lenders, fintechs, and financial institutions extract actionable insights from financial data, enabling faster and smarter lending decisions.

    Why Choose Finpass?#

    Comprehensive Analysis Suite
    Access to 6 powerful analyzers covering bank statements, account aggregator data, SMS, ITR, GST, and invoices for complete financial profiling.
    AI-Powered Insights
    Advanced machine learning algorithms that categorize transactions, detect anomalies, and generate credit scores with 99.5% accuracy.
    Instant Processing
    Analyze months of financial data in under 30 seconds with real-time results and actionable insights for faster loan approvals.
    Seamless Integration
    RESTful APIs with easy integration into any LOS/LMS, comprehensive documentation, and ready-to-use SDKs for faster implementation.
    Fraud Detection
    Built-in fraud detection and document tampering identification to protect your business from fraudulent applications.

    Our Analyzer Suite#

    Bank Statement Analyser
    Account Aggregator Analyser
    SMS Analyser
    ITR Analyser
    GST Analyser
    Invoice Analyser

    Comprehensive Bank Statement Analysis#

    Extract and analyze bank statements to understand cash flows, spending patterns, and financial behavior with AI-powered categorization.
    • Support for 100+ banks (PDF & scanned statements)
    • Automated transaction categorization (50+ categories)
    • Cash flow analysis & income detection
    • Bounce & return payment identification
    • Salary crediting pattern analysis
    • EMI & loan obligation detection
    • Fraud & tampering detection
    Learn more →

    Key Features#

    Bank Statement Analyser
    • 100+ bank format support
    • 50+ transaction categories
    • Cash flow analysis
    • Income & expense patterns
    • Bounce & return detection
    • Fraud & tampering alerts
    Account Aggregator Analyser
    • All licensed AA integration
    • Multi-FIP data consolidation
    • Real-time consent flow
    • Cross-bank analysis
    • Investment & deposit tracking
    • Liability mapping
    SMS Analyser
    • 500+ sender template support
    • Bank & wallet transactions
    • Bill payment detection
    • UPI transaction analysis
    • 24-month history
    ITR Analyser
    • All ITR forms supported
    • Multi-year trend analysis
    • Income verification
    • Tax compliance check
    • 26AS cross-verification
    • Deduction analysis
    GST Analyser
    • GSTR-1, 3B, 2A/2B parsing
    • Turnover calculation
    • Compliance tracking
    • B2B/B2C breakdown
    • Vendor analysis
    • ITC reconciliation
    Invoice Analyser
    • OCR data extraction
    • Multi-format support
    • Line item parsing
    • Authenticity verification
    • Duplicate detection
    • Tax calculation

    Industry Solutions#

    Personal Lending
    Business Lending
    NBFCs & Banks
    Fintechs
    Salaried Lending
    Underwrite salaried individuals using bank statements and SMS data for instant personal loan decisions.
    • Salary credit verification
    • Expense pattern analysis
    • Existing EMI detection
    • Disposable income calculation
    Self-Employed Lending
    Assess self-employed borrowers using ITR, GST, and bank statements for comprehensive income analysis.
    • Business income verification
    • Multi-year income trends
    • GST turnover validation
    • Cash flow stability analysis
    Credit Card Underwriting
    Analyze spending behavior and repayment patterns for credit card limit decisions.
    • Spending category analysis
    • Payment behavior tracking
    • Credit utilization patterns
    • Income stability assessment
    Buy Now Pay Later
    Enable instant BNPL decisions with real-time SMS and bank statement analysis.
    • Real-time affordability check
    • Repayment capacity analysis
    • Transaction velocity tracking
    • Fraud risk scoring

    How It Works#

    Simple 4-Step Process#

    1

    Upload#

    Upload documents (PDF, images) or connect via Account Aggregator / SMS SDK
    2

    Extract#

    AI-powered extraction parses and structures all financial data automatically
    3

    Analyze#

    Advanced algorithms categorize transactions and generate insights
    4

    Decide#

    Get credit scores, risk flags, and actionable recommendations for lending decisions

    Platform Capabilities#

    📊 Advanced Analytics#

    • 50+ transaction categories
    • Cash flow trend analysis
    • Seasonality detection
    • Anomaly identification
    • Predictive income modeling
    • Custom scoring models

    🔒 Fraud Detection#

    • Document tampering detection
    • Circular transaction identification
    • Velocity check alerts
    • Pattern anomaly flags
    • Duplicate document detection
    • Metadata verification

    📈 Credit Decisioning#

    • Finpass Credit Score
    • Debt-to-income ratio
    • Disposable income calculation
    • Repayment capacity assessment
    • Risk categorization
    • Loan eligibility recommendation

    📋 Comprehensive Reports#

    • Detailed PDF reports
    • JSON API responses
    • Excel data exports
    • Custom report templates
    • Audit-ready documentation
    • Regulatory compliant formats

    Getting Started#

    Quickstart Guide
    Follow our comprehensive step-by-step guide to integrate Finpass analyzers into your application quickly.
    API Documentation
    Access detailed documentation for all our analyzers with request/response examples and integration guides.
    Postman Collections
    Download ready-to-use API collections for quick testing and seamless integration with your development environment.
    24/7 Support
    Get technical support and dedicated account management to help you make the most of our analysis platform.

    Security & Compliance#

    Enterprise-Grade Security#

    Learn more →

    ISO/IEC 27001:2013#

    Certified information security management system for highest data protection standards.
    View Certificate

    256-bit Encryption#

    Military-grade encryption for all data transmission and storage to protect sensitive financial information.

    RBI Compliant#

    Full compliance with RBI guidelines for digital lending and account aggregator ecosystem.
    Additional Security Measures

    Data Privacy Protection#

    Zero data retention policy - financial data is processed and discarded after analysis completion.

    SOC 2 Type II#

    Annual SOC 2 audits ensure our security controls meet the highest industry standards.

    VAPT Certified#

    Regular vulnerability assessments and penetration testing by certified security firms.

    API Security#

    Secure API authentication with API keys, OAuth 2.0, and IP whitelisting options.

    Audit Logging#

    Comprehensive audit trails for all data access and analysis activities.

    GDPR & DPDP Ready#

    Compliance with global data protection regulations including GDPR and India's DPDP Act.

    Integration Options#

    RESTful APIs#

    Standardized API endpoints with comprehensive documentation

    Webhooks#

    Event-driven architecture for real-time analysis updates

    SDKs#

    Ready-to-use libraries for Android, iOS, and web platforms

    LOS/LMS Integration#

    Pre-built connectors for popular lending platforms

    White-label Solutions#

    Branded analysis portal for your customers

    On-premise Deployment#

    Dedicated infrastructure for enhanced security requirements

    By The Numbers#

    100M+#

    Documents Analyzed

    500+#

    Enterprise Clients

    99.5%#

    Extraction Accuracy

    <30s#

    Average Analysis Time
    Start Your Journey with Finpass Today

    Transform Your Lending Decisions#

    Join 500+ financial institutions that trust our powerful analysis platform
    Get Started FreeBook a Demo
    Key Use Cases
    Finpass serves a wide range of lending use cases including Personal Loans, Business Loans, MSME Lending, Invoice Financing, Credit Cards, BNPL, and more.
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    Bank Statement Analyser
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