AI-Powered Financial Analysis for NBFCs and Digital Lenders — The Fastest Way To
Underwrite Borrowers
3,000+ NBFCs and digital lenders use Finpass to analyse bank statements, GST, ITR, SMS, and more — with 99.5% accuracy in under 2 seconds.
Trusted by 3,000+ financial institutions
Built for Speed, Accuracy & Scale
Everything an NBFC needs to automate underwriting — packaged into one intelligent platform.
< 2s
Avg response
Sub-2-Second Processing
Every bank statement, SMS batch, and ITR file is analysed in under 2 seconds — no queues, no delays.
99.5%
Accuracy
99.5% AI Accuracy
Models trained on tens of millions of Indian financial documents deliver best-in-class accuracy.
8+
Data signals
One Unified Platform
BSA · SMS · Account Aggregator · GST · ITR · Invoice — every financial signal in a single API.
5
Certifications
Enterprise-Grade Security
ISO 27001, SOC 2 Type II, DPDP-ready. AES-256 at rest and TLS 1.3 in transit.
97%
Detection rate
Smart Fraud Detection
97% of risk patterns caught before the underwriter sees the file.
3–5d
Integration
REST API in Days
Sandbox access in minutes. Go-live in 3–5 days with dedicated integration engineer.
From Upload to Decision in Under 2 Seconds
See how NBFCs and banks use our AI-powered solutions to streamline underwriting and reduce risk.
One platform. Every financial signal.
Six specialised analysers — single API, unified dashboard, zero vendor sprawl.
Bank Statement Analysis
2s
Analysis time
Verify income & cash flow in 2 seconds
Automatically analyze bank statements to extract transactions, assess cash flow, detect income patterns, and identify risk signals. Enable faster underwriting and smarter credit decisions with accurate financial insights.
SMS Analyser
97%
Coverage
Build credit profiles for thin-file customers
Analyze transactional SMS data to uncover spending behavior, EMI obligations, income sources, and financial stability. Ideal for thin-file customers and instant credit assessment.
Account Aggregator
0
Documents needed
Real-time bank data — zero document collection
Seamlessly fetch and analyze consent-based financial data from banks and financial institutions. Ensure compliant, real-time access to borrower data for faster and more accurate lending decisions.
Underwriting IQ
< 5s
Decision time
Instant approve/reject with full audit trail
Integrates multiple bureaus, UAN/EPFO data, banking information, and AI-powered fraud detection into one intelligent platform for confident, audit-ready credit decisions.
GST Analyser
99.5%
Accuracy
Detect revenue manipulation automatically
Extract business intelligence from GSTR-1, GSTR-2A, and GSTR-3B returns. Verify actual turnover, assess GST compliance, detect fraud patterns, and make informed MSME lending decisions.
Company DNA
50+
Data sources
Complete business intelligence in seconds
Get a 360° view of any company — directors, financials, GST filings, legal history, and credit behaviour — aggregated from 50+ data sources into one structured intelligence report for MSME lending.
ITR Analyser
5yr
Income history
Income verification from tax returns instantly
Extract and verify income data from ITR filings and Form 26AS. Assess salary, business income, capital gains, and tax compliance to make accurate credit decisions with government-verified data.
Bank Statement Analysis
Verify income & cash flow in 2 seconds
Automatically analyze bank statements to extract transactions, assess cash flow, detect income patterns, and identify risk signals. Enable faster underwriting and smarter credit decisions with accurate financial insights.
SMS Analyser
Build credit profiles for thin-file customers
Analyze transactional SMS data to uncover spending behavior, EMI obligations, income sources, and financial stability. Ideal for thin-file customers and instant credit assessment.
Account Aggregator
Real-time bank data — zero document collection
Seamlessly fetch and analyze consent-based financial data from banks and financial institutions. Ensure compliant, real-time access to borrower data for faster and more accurate lending decisions.
Underwriting IQ
Instant approve/reject with full audit trail
Integrates multiple bureaus, UAN/EPFO data, banking information, and AI-powered fraud detection into one intelligent platform for confident, audit-ready credit decisions.
GST Analyser
Detect revenue manipulation automatically
Extract business intelligence from GSTR-1, GSTR-2A, and GSTR-3B returns. Verify actual turnover, assess GST compliance, detect fraud patterns, and make informed MSME lending decisions.
Company DNA
Complete business intelligence in seconds
Get a 360° view of any company — directors, financials, GST filings, legal history, and credit behaviour — aggregated from 50+ data sources into one structured intelligence report for MSME lending.
ITR Analyser
Income verification from tax returns instantly
Extract and verify income data from ITR filings and Form 26AS. Assess salary, business income, capital gains, and tax compliance to make accurate credit decisions with government-verified data.
Why Choose
Empowering financial institutions with cutting-edge AI technology for smarter, faster, and more secure lending decisions.
10x
Faster
Lightning Fast Processing
Process thousands of applications in minutes with optimised AI algorithms.
99.9%
Uptime
Bank-Level Security
256-bit encryption and full RBI compliance ensure your borrowers' data stays protected.
99.5%
Accuracy
AI-Powered Insights
Advanced ML models trained on millions of Indian documents deliver actionable credit signals.
< 2s
Response
Real-Time Decisions
Cloud-native infrastructure with async callbacks for bulk — instant for single-file analysis.
35%
Fewer Defaults
Smart Risk Assessment
Predict default probability with historical patterns and multi-bureau data fusion.
360°
View
Advanced Analytics
Full-funnel dashboards with drill-down into every loan application at every stage.
India's Most Comprehensive Financial Intelligence Platform
Finpass is the AI-native data intelligence platform purpose-built for NBFCs, digital lenders, and credit-risk teams across India. Our bank statement analysis API processes documents from 200+ banks in under 2 seconds — extracting income, EMI obligations, cash flow patterns, and fraud signals with 99.5% accuracy.
Unlike point solutions, Finpass unifies bank statement analysis, SMS transaction parsing, RBI Account Aggregator data, GST verification, ITR analysis, and invoice processing into a single credit view. This means your underwriting team gets a complete borrower picture — not fragmented data from five different vendors.
Our NBFC underwriting automation layer, Underwriting IQ, converts raw financial data into instant approve/reject recommendations — reducing loan processing from days to minutes. Over 3,000 financial institutions, from large NBFCs to fintech startups, rely on Finpass to power smarter, faster, and more compliant credit decisions.
Built with RBI compliance at its core, Finpass supports the full AA framework — consent-based, tokenized, and interoperable with all licensed Account Aggregators including Setu, Finvu, and CAMS. Enterprise deployments support private cloud on AWS, Azure, or GCP with full data residency control.
Security & Compliance
Enterprise-grade protection, built in
Trusted by 3,000+ financial institutions
ISO 27001
Encrypted & access-controlled
256-bit SSL
Bank-grade API encryption
ISO 30107
Liveness fraud prevention
DPDP Ready
India data protection compliant
SOC 2
Independently audited security
Frequently Asked
Find answers to common questions about our AI-powered financial analysis platform. Can't find what you're looking for? Our team is here to help.
- How accurate is your AI-powered bank statement analysis?
- Our AI models achieve 99.5% accuracy in bank statement analysis, trained on millions of documents. We continuously improve our algorithms through machine learning and human feedback to maintain industry-leading accuracy rates.
- Is my data secure and compliant with RBI regulations?
- Absolutely. We use bank-level 256-bit encryption and are fully compliant with RBI guidelines, data protection regulations, and industry standards. Your data is encrypted both in transit and at rest, with strict access controls and regular security audits.
- How quickly can I integrate your platform with my existing systems?
- Integration typically takes 2-4 weeks depending on your requirements. We provide comprehensive REST APIs, webhooks, and SDKs for seamless integration with your existing loan management systems, core banking platforms, and other workflows.
- What types of documents can your platform analyze?
- Our platform supports various financial documents including bank statements (all major Indian banks), SMS transaction data, account aggregator data, salary slips, ITR documents, and more. We continuously add support for new document types based on customer needs.
- Can I customize the AI models for my specific use cases?
- Yes! Our Enterprise and Professional plans offer custom AI model training based on your specific requirements. We can fine-tune our models to understand your unique business rules, risk parameters, and industry-specific patterns.
- What kind of support do you provide?
- We provide 24/7 email support for all plans, with priority support for Professional plans and dedicated account managers with phone support for Enterprise plans. Our team includes domain experts who understand NBFC operations deeply.
- How does your pricing work for growing NBFCs?
- Our plans are designed to scale with your business. You can start with our Starter plan and upgrade as your document processing needs grow. We also offer custom enterprise solutions for large-scale operations with specific requirements.
- Do you provide training for our team?
- Yes, we provide comprehensive onboarding and training for all plans. This includes platform training, API documentation, best practices, and ongoing webinars. Enterprise customers get dedicated training sessions and custom documentation.
Still Have Questions?
Our team of financial technology experts is ready to help you understand how our platform can transform your NBFC operations. Schedule a personalized demo today.
Ready to Automate Your Underwriting?
Join 3,000+ NBFCs already making smarter credit decisions with Finpass. Book a personalised demo — we'll show you results relevant to your portfolio.
Let's Build the Future of Lending Together
Join 3000+ NBFCs and banks using Finpass to make smarter, faster credit decisions with AI-powered financial intelligence.
Quick Response
Our team responds within 24 hours
Dedicated Support
Get a dedicated account manager
Fast Integration
Go live in less than a week
Enterprise Security
Bank-grade security standards
Book a 20-Minute Demo — See Your ROI Live
Fill out the form and our team will get back to you within 24 hours.