Statement Analyzer
Turn a raw bank statement into structured income, obligation and risk insights in one call.
What is the Statement Analyzer?
The BILAPI Bank Statement Analyzer API parses a bank statement and returns structured financial insights — total income and credits, expenses, recurring EMIs and obligations, cheque/ECS bounces and an overall risk summary — so you can make faster, data-driven lending decisions.
It is used by lenders, BNPL providers and underwriting teams to automate the manual work of reading statements: instead of eyeballing PDFs, you get clean JSON with the salary pattern, average balance, inflow/outflow and red flags surfaced automatically.
Submit a statement and receive the full analysis as JSON. Billed only on a successful analysis.
What the Statement Analyzer returns
Every successful call returns a clean, predictable JSON envelope. The data object includes the fields below (exact fields vary by record availability).
| Field | Description |
|---|---|
total_credits | Total money credited over the statement period. |
total_debits | Total money debited over the statement period. |
average_balance | Average monthly balance maintained. |
salary_detected | Recurring salary/income pattern detected, with amount. |
emi_obligations | Recurring EMIs and standing obligations identified. |
bounces | Count of cheque/ECS bounces and insufficient-fund events. |
risk_summary | Overall risk indicators derived from the statement. |
Sample request & response
Call the endpoint with your API key in the X-Bilapi-Api-Key header. The same request shape works in the free sandbox and in production.
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,
"message": "Statement analyzed",
"data": {
"total_credits": 842500,
"total_debits": 791200,
"average_balance": 48300,
"salary_detected": { "amount": 65000, "frequency": "monthly" },
"emi_obligations": 2,
"bounces": 0,
"risk_summary": "Low"
}
}Key features
Real-time results
Sub-300ms median response so bank statement checks never slow your onboarding funnel.
Predictable JSON
The same clean response envelope as every BILAPI endpoint — parse once, reuse everywhere.
Only pay for hits
Invalid inputs and failed lookups are never charged to your wallet.
Secure by design
TLS 1.3 in transit, PII tokenisation at rest and a full audit log on every request.
One key, every API
Sandbox to production on a single key — no per-vendor contracts or integrations.
Built to scale
99.9% uptime target with bulk and webhook-friendly workflows for high volume.
Where it's used
Customer onboarding
Auto-fill and validate identity during signup to cut drop-off and manual review.
Lending & underwriting
Add a verified data point to credit decisions and reduce first-party fraud.
Fraud & risk
Flag mismatches and synthetic identities before they enter your system.
Compliance & audit
Keep a tamper-evident trail of every verification for KYC/AML reviews.
How it works
Create a free account
Sign up on the BILAPI console and get a live API key instantly.
Send a request
POST the required bank statement fields to the endpoint with your API key in the header.
Get structured JSON
Receive a clean, predictable JSON response in milliseconds.
Plug into your flow
Drop the result straight into onboarding, underwriting or risk decisioning.
Frequently asked questions
What does the Bank Statement Analyzer API return?
It parses a bank statement and returns structured insights — total credits and debits, average balance, detected salary, EMI obligations, bounce count and an overall risk summary — as JSON.
What input does it accept?
A bank statement (for example a PDF URL), with an optional password if the statement is protected.
How does it help lending?
It automates reading statements: instead of manually reviewing PDFs, underwriters get the salary pattern, balances, obligations and red flags surfaced automatically for faster, consistent decisions.
Can it detect salary and EMIs?
Yes — it identifies recurring salary/income patterns and recurring EMI and standing-instruction obligations.
Is a sandbox available?
Yes, every account includes a free sandbox so you can test with a sample statement before production.
Related Statement Analyzer API
Start verifying with BILAPI
One key, a free sandbox and a predictable JSON envelope across every endpoint.