Banking & Payments
Bank Statement Analysis API for Lending
Replace manual statement review with structured income, obligation and risk signals — extracted from a bank statement automatically.
Reading a bank statement by hand is one of the slowest, least consistent steps in lending. An underwriter scrolls through months of transactions trying to spot the salary, the EMIs and the bounces. A bank statement analysis API does that automatically — turning a raw statement into structured, comparable numbers in seconds.
What the analyzer extracts
- Total credits and debits over the statement period.
- Average monthly balance maintained.
- Detected salary / recurring income, with amount and frequency.
- EMIs and standing-instruction obligations.
- Cheque / ECS bounce count and insufficient-fund events.
- An overall risk summary derived from the above.
How it fits a lending flow
The borrower shares a statement (or you pull it with consent), you pass it to the API, and you get back a clean JSON profile you can feed straight into your credit policy — no manual reading, and the same rules applied to every applicant.
POST https://api.bilapi.com/v1/statement-analyzer
X-Bilapi-Api-Key: <your_api_key>
Content-Type: application/json
{
"statement_url": "https://your-bucket/statement.pdf",
"password": "optional-pdf-password"
}{
"status_code": 200,
"success": true,
"data": {
"average_balance": 48300,
"salary_detected": { "amount": 65000, "frequency": "monthly" },
"emi_obligations": 2,
"bounces": 0,
"risk_summary": "Low"
}
}Why automate statement analysis?
- Speed — decisions in seconds instead of manual review queues.
- Consistency — the same policy applied to every applicant.
- Fraud resistance — tampered or doctored statements are easier to flag.
- Scale — handle volume spikes without adding reviewers.
The Bank Statement Analyzer API turns a statement into income, obligation and risk signals as JSON — with a free sandbox to test on a sample statement.