AAAIDE Advanced AI-Driven Analytics and Informed Decision Engine
Read bank statements in minutes and see the borrower behind them
AAAIDE extracts every transaction from a borrower's bank statements, analyses income, spending and irregularities, and gives your credit team one clear report. The decision stays with your analyst; the hours of reading go away.
| Description | Debit (₹) | Credit (₹) |
|---|---|---|
| Salary credit | 68,400 | |
| EMI, vehicle loan | 9,250 | |
| Cash deposit | 1,20,000 | |
| UPI, groceries | 3,180 | |
| Cheque return, insufficient funds | 590 | |
| Transfer to own account | 25,000 | |
| Salary credit | 68,400 |
AAAIDE summary
Regular income. Review 2 flags before approval.
- Average monthly income₹68,400
- Fixed obligations (EMI)₹9,250
- FlagsCash deposit, cheque return
Why it matters
Credit teams spend much of their day on documents: reading statements, re-keying figures, checking for red flags. It is slow, it varies from analyst to analyst, and the fraud signals that matter are the easiest to miss.
How it works
Upload statements
Add the borrower's bank statements. Several accounts can be analysed together.
Extract and organise
AAAIDE pulls out every transaction and sorts it into income, expenses, EMIs, transfers and more.
Analyse and flag
It measures cash flow and spending patterns, and highlights irregularities such as cheque returns or unusual deposits.
Review the report
Your analyst gets one report with the findings and makes the credit call.
What AAAIDE does
Statement extraction
Turns bank statements into structured, searchable transaction data in minutes.
Transaction categorisation
Organises transactions into clear categories so cash flow is easy to read.
Irregularity detection
Spots patterns that point to risk or fraud and brings them to the top of the report.
Creditworthiness appraisal
Assesses the borrower's capacity to repay as a consistent, standard measure across every application.
Multi-account view
Aggregates and analyses data across a borrower's bank accounts in one place.
Comprehensive borrower report
Shows income, expenses and spending patterns that are hard to piece together by hand.
Also available for credit appraisal: GST return (GSTR) analysis, income tax return (ITR) analysis, financial statement analysis and ongoing credit monitoring, for both individuals and businesses.
What changes for your team
Faster turnaround
Hours of manual reading become minutes of review.
Fewer missed red flags
Every statement is checked the same way, every time.
Analysts on judgement
Your team spends its time deciding, not re-keying.
Questions
Does AAAIDE make the lending decision?
No. AAAIDE prepares the analysis and highlights what needs attention. The credit decision stays with your team and your policies.
Can it handle more than one bank account?
Yes. AAAIDE aggregates and analyses statements from several accounts for the same borrower.
Who is it for?
Banks, NBFCs and other lenders, from small finance institutions to large ones, for both individual and business borrowers.
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See AAAIDE in action
Tell us how your team works today and we'll walk you through AAAIDE with examples from your industry.