# Finpass > Finpass is India's most comprehensive AI-native financial intelligence platform, purpose-built for NBFCs, digital lenders, banks, and credit-risk teams. It unifies bank statement analysis, SMS transaction parsing, RBI Account Aggregator data, GST verification, ITR analysis, invoice processing, AI-powered underwriting (Underwriting IQ), and post-disbursement loan monitoring (Finpass Lens) into a single REST API and unified dashboard. Trusted by 3,000+ BFSIs. Processes 10M+ applications monthly with 99.5% accuracy in under 2 seconds. Powered by SurePass Technologies, New Delhi, India. Full LLM context: https://finpass.ai/llms-full.txt Finpass is compliant with RBI's Account Aggregator framework, ISO 27001, SOC 2 Type II, ISO 30107, and India's Digital Personal Data Protection (DPDP) Act. All data is encrypted with AES-256 at rest and TLS 1.3 in transit. Enterprise deployments support private cloud on AWS, Azure, or GCP with full data residency control. Key facts: - 3,000+ NBFC and BFSI clients across India (HDFC Bank, Bajaj Finance, Tata Capital, Aditya Birla Finance, Mahindra Finance, ICICI Bank) - Processes bank statements from 200+ Indian banks in under 2 seconds - Account Aggregator module connects to 300+ financial institutions - Fraud detection rate: 97% - Integration time: sandbox in minutes, go-live in 3–5 days - REST API with webhooks and SDKs - Contact: sales@finpass.ai | +91 9990690960 - Address: Unit No G-22, Ground Floor, NDM-1, Netaji Subhash Place, Pitampura, New Delhi – 110034 ## Products - [Bank Statement Analyser](https://finpass.ai/products/bank-statement-analyser): AI-powered extraction and analysis of bank statements from 200+ Indian banks. Outputs: net monthly income, cash flow score, EMI obligations, salary credits, cheque bounce flags, AML signals. Accuracy 99.5%, processing time under 2 seconds. Supports PDF, CSV, Excel via REST API. - [SMS Analyser](https://finpass.ai/products/sms-analyser): Parses transactional SMS data using NLP to build credit profiles for thin-file and new-to-credit customers. Identifies salary credits, EMI deductions, spending behaviour, income sources. Accuracy 98%. Supports batch processing and multi-language SMS (English, Hindi). Enables 40% more approvals from underserved segments. - [Account Aggregator](https://finpass.ai/products/account-aggregator): Consent-based, real-time fetching of bank and financial data from 300+ institutions under the RBI Account Aggregator framework. Interoperable with Setu, Finvu, and CAMS. Outputs: live balance, transaction history, credit behaviour. Enables 10x faster borrower onboarding. - [Underwriting IQ](https://finpass.ai/products/underwriting-iq): AI credit decisioning engine integrating multi-bureau data, UAN/EPFO verification, banking data, and fraud detection. Delivers instant approve/reject recommendations with full audit trail in under 30 seconds. Includes customisable policy engine. Reduces loan processing from days to minutes. - [GST Analyser](https://finpass.ai/products/gst-analysis): Extracts business intelligence from GSTR-1, GSTR-2A, and GSTR-3B filings. Verifies actual turnover, assesses GST compliance, performs ITC analysis, detects revenue manipulation. Accuracy 99.5%. Designed for MSME and working capital lending. - [ITR Analyser](https://finpass.ai/products/itr-analysis): Extracts and verifies income data from ITR filings and Form 26AS. Covers salary, business income, capital gains, tax compliance. Supports ITR-V, 26AS, TDS matching, 5-year trend analysis. Accuracy 99.5%. Uses government-verified data for credit decisions. - [Invoice Analyser](https://finpass.ai/products/invoice-analyser): Automates extraction and verification of invoice data for trade finance, supply chain lending, and vendor payment workflows. - [Company DNA](https://finpass.ai/products/company-dna): 360-degree business intelligence profile aggregated from 50+ data sources. Covers director profiling, financial health, GST filing linkage, legal history. Outputs: company score, director risk, financial summary. Purpose-built for MSME and SME lending. - [Finpass Lens — Loan Monitoring System](https://finpass.ai/products/finpass-lens-loan-monitoring-system): Post-disbursement loan monitoring and early warning system for NBFCs, banks, digital lenders, and BNPL providers. Continuously tracks borrower financial behaviour after loan disbursement using RBI AA-compliant, consent-based bank account access. Key capabilities: peak balance window detection (optimises NACH mandate timing to reduce bounces by up to 30%), new EMI and debt obligation detection, salary credit and income drop monitoring, borrower health scoring, and DPD risk prediction. Monitoring cycles configurable as weekly or monthly. Borrower consent captured once at disbursement, valid for 3 years. Integrates with LMS, collections platforms, and risk engines via REST API and webhooks. Detects repayment risks up to 10x earlier than manual review. Supports RBI Early Warning System (EWS) compliance. ## Blog - [Top Account Aggregators in India (2026 Guide)](https://finpass.ai/blog/top-account-aggregators-in-india): Reviews and compares the top RBI-licensed Account Aggregators in India including Finpass, OneMoney, CAMSFinServ, Finvu, and Anumati (Perfios). Covers key selection criteria for NBFCs and digital lenders. - [What is Credit Risk Analytics? How does it help in predicting risk and reducing defaults?](https://finpass.ai/blog/what-is-credit-risk-analytics): Explains credit risk analytics for NBFCs and lenders — how it works, key metrics, and how AI-powered analysis reduces loan defaults. - [What is a Bank Reconciliation Statement? Meaning, Purpose, and Steps](https://finpass.ai/blog/what-is-a-bank-reconciliation-statement): Covers the definition, purpose, and step-by-step process of bank reconciliation statements for financial institutions. - [What Is an Account Aggregator? Why Do Businesses Need It for Faster Loan Approvals?](https://finpass.ai/blog/what-is-an-account-aggregator): Explains the RBI Account Aggregator framework, how it works, and why NBFCs and digital lenders need it to accelerate loan approvals. - [What Is a GST Analyser? Why Lenders Need It for MSME Loan Approval](https://finpass.ai/blog/what-is-a-gst-analyser): Explains how GST analysers work, what GSTR data they process, and why lenders need them to verify MSME borrower income and turnover. - [Understanding ITR Analyzers in India: Everything You Should Know](https://finpass.ai/blog/understanding-itr-analyzers): Comprehensive guide to ITR analysis tools in India — what they extract, how they verify income, and their role in credit underwriting. - [What Is an SMS Analyser? Why Businesses Need It?](https://finpass.ai/blog/what-is-an-sms-analyser): Explains SMS analysis for credit assessment, how NLP parses transactional SMS, and use cases for thin-file borrower profiling. - [Top 10 Bank Statement Analysis Software for NBFCs (2026 Guide)](https://finpass.ai/blog/top-10-bank-statement-analysis-software-nbfc): Compares the top bank statement analysis platforms available for Indian NBFCs in 2026, covering features, accuracy, and pricing. - [Bank Statement Analyzer For Underwriting: A Comprehensive Guide](https://finpass.ai/blog/bank-statement-analyzer-underwriting): In-depth guide on using bank statement analysis for loan underwriting — what signals matter, how automation works, and best practices for NBFCs. - [AI-Powered Invoice Analyser: Automate Invoice Verification & Fraud Detection](https://finpass.ai/blog/AI-Powered-Invoice-Analyser): Explains how Finpass Invoice Analyser works — OCR and ML-based extraction from PDFs, images, and e-invoices; IRN verification; GSTIN authentication; GSTR-2A/B cross-matching; and duplicate invoice fraud detection. Includes comparison of manual vs automated invoice verification. - [Finpass Company DNA: The Smarter Way to Make Lending Decisions](https://finpass.ai/blog/finpass-company-dna-the-smarter-way-to-make-lending-decisions): Product deep-dive on Company DNA — how it aggregates 50+ data sources (bank statements, GST, ITR, MCA, court databases, EPFO) to build a 360-degree business financial profile. Use cases: credit risk assessment, vendor due diligence, KYB compliance, and M&A screening. - [Finpass Underwriting IQ: AI-Powered Credit Decisioning for Faster, Smarter Lending](https://finpass.ai/blog/finpass-underwriting-iq-ai-powered-credit-decisioning): Product deep-dive on Underwriting IQ — covers the 6-step decisioning workflow (data collection, extraction, financial analysis, AI risk scoring, fraud detection, decision engine). Integrates CIBIL, Experian, Equifax, CRIF, bank statements, GST, ITR, EPFO/UAN, and SMS data. 200+ risk parameters. RBI-compliant audit trail. - [How to Convert a Bank Statement PDF to Excel](https://finpass.ai/blog/how-to-convert-a-bank-statement-pdf-to-excel): Guide on converting bank statement PDFs to Excel format for financial analysis, covering methods and tools available to NBFCs and lenders. - [How to Convert a Bank Statement PDF to Excel: 7 Easy Methods](https://finpass.ai/blog/how-to-convert-a-bank-statement-pdf-to-excel-7-easy-methods): Detailed walkthrough of 7 methods to convert bank statement PDFs to Excel, from manual copy-paste to AI-powered extraction APIs, with accuracy and use-case comparisons. - [Payment Gateway vs Payment Aggregator: Key Differences Explained](https://finpass.ai/blog/payment-gateway-vs-payment-aggregator): Explains the difference between payment gateways and payment aggregators — how each works, regulatory requirements, use cases for NBFCs and fintechs, and which model suits different lending platforms. - [Comparative Statement: Format, Types & Differences](https://finpass.ai/blog/comparative-statement-format-types-differences): Covers comparative financial statements — definition, types (balance sheet, income statement), format, and how lenders use them to assess financial performance trends for credit decisions. - [CAM Full Form in Banking: Meaning, Process & Importance Explained](https://finpass.ai/blog/cam-full-form-in-banking-meaning-process-importance-explained): Explains Credit Appraisal Memorandum (CAM) — its full form, objectives, key components (borrower info, financial analysis, risk assessment, collateral), how to read a CAM report, and how Finpass automates CAM preparation for NBFCs and banks. - [Credit Line on UPI: How It Works](https://finpass.ai/blog/credit-line-on-upi-how-it-works): Explains the RBI-approved credit line on UPI feature — how pre-sanctioned credit limits are linked to UPI for instant digital lending, eligibility, and implications for NBFCs and digital lenders. - [What is a Comparative Income Statement?](https://finpass.ai/blog/what-is-a-comparative-income-statement): Defines comparative income statements, their format, purpose in financial analysis, and how lenders use multi-period income comparisons for credit underwriting. - [What is a Comparative Balance Sheet? Format, Steps and Sample](https://finpass.ai/blog/what-is-a-comparative-balance-sheet-format-steps-and-sample): Explains comparative balance sheets — format, preparation steps, sample layout, and their role in assessing a borrower's financial position over time for lending decisions. - [What is Form 26AS?](https://finpass.ai/blog/what-is-form-26as): Explains Form 26AS — India's annual tax statement showing TDS, TCS, advance tax, and high-value transactions. Covers how lenders use 26AS data alongside ITR for income verification and fraud detection. - [What is Credit Decision?](https://finpass.ai/blog/what-is-credit-decision): Explains the credit decision process — types (approve, reject, review), key factors (income, credit score, debt-to-income ratio), and how AI-powered platforms like Finpass automate and accelerate credit decisions. - [Top Tools of Financial Statement Analysis](https://finpass.ai/blog/top-tools-of-financial-statement-analysis): Reviews the leading tools used for financial statement analysis — ratio analysis, comparative statements, trend analysis, cash flow analysis — and how automated platforms apply these for NBFC underwriting. - [Credit Risk Management: A Complete Guide](https://finpass.ai/blog/credit-risk-management): Comprehensive guide to credit risk management for NBFCs and lenders — identification, measurement, mitigation strategies, regulatory compliance, and the role of AI in reducing default risk. - [Limitations of Financial Statements: Risks Every Lender Must Understand](https://finpass.ai/blog/limitations-of-financial-statements-risks-every-lender-must-understand): Covers the key limitations of relying solely on financial statements for credit decisions — historical data bias, manipulation risk, missing qualitative factors — and why lenders need additional data signals. - [Credit Risk Modelling: Meaning, Types, Components & Process](https://finpass.ai/blog/credit-risk-modelling-meaning-types-components-process): Explains credit risk modelling for financial institutions — types (PD, LGD, EAD models), components, the modelling process, and how AI/ML models improve accuracy over traditional scorecard approaches. - [How Credit Cards Work](https://finpass.ai/blog/how-credit-cards-work): Explains the mechanics of credit cards — billing cycles, interest calculation, minimum payments, credit utilization — relevant context for lenders assessing borrower credit behaviour. - [Top Debt Collection Software](https://finpass.ai/blog/top-debt-collection-software): Reviews and compares the top debt collection software platforms for NBFCs and lenders in India, covering features, integrations, and use cases for improving recovery rates. - [OCEN Full Form, Meaning & How Open Credit Enablement Network is Transforming Digital Lending in India](https://finpass.ai/blog/ocen-full-form-meaning): Explains OCEN (Open Credit Enablement Network) — its full form, how it works via APIs connecting borrowers, LSPs, and lenders, benefits for MSMEs and thin-file borrowers, integration with India Stack (AA, UPI, Aadhaar), and comparison with traditional lending. - [Rural Credit in India](https://finpass.ai/blog/rural-credit-in-india): Covers the rural credit landscape in India — sources (banks, NBFCs, MFIs, cooperative societies), challenges (thin-file borrowers, low digital penetration), government schemes, and how digital lending tools are expanding rural credit access. - [How to Convert JSON Files to PDF](https://finpass.ai/blog/how-to-convert-json-files-to-pdf): Practical guide on converting JSON files to PDF format — methods, tools, and use cases for financial data workflows including API response exports and reporting. - [What Documents Are Required for ITR Filing?](https://finpass.ai/blog/what-documents-are-required-for-itr-filing): Lists and explains all documents required for ITR filing in India — Form 16, bank statements, investment proofs, capital gain statements — useful context for lenders using ITR-based income verification. ## Company - [About Finpass](https://finpass.ai/about): Mission, team, values, and company background. 50+ years combined leadership experience in fintech, AI, and lending operations. - [Case Studies](https://finpass.ai/case-studies): Real-world results from NBFCs and digital lenders using Finpass — 60% faster approvals with BSA, 40% more approvals via SMS Analyser, 10x faster onboarding with Account Aggregator. - [Contact / Book a Demo](https://finpass.ai/contact): Schedule a personalised demo or reach the sales team. - [Free Trial](https://dashboard.finpass.ai/): Start a free trial with sandbox access. ## Optional - [Privacy Policy](https://finpass.ai/privacy): Data handling, retention, and user rights under DPDP Act and RBI guidelines. - [Terms of Service](https://finpass.ai/terms): Platform usage terms for API and dashboard access. - [Tools](https://finpass.ai/tools): Free calculators and utilities for NBFCs and digital lenders.