TheCreditAnalystYouCan'tAffordToHire
BankLens AI ingests bank statements, computes 220+ financial signals, runs ML-powered risk scoring, and outputs a structured credit decision — in under 5 minutes. Built for India's NBFCs, DSAs, and fintech lenders.
The Problem: A senior credit analyst costs ₹4–8L per year, reviews one file at a time, and introduces human bias. BankLens processes every statement the same way — faster, cheaper, and with full explainability.
BankLens — Credit Decision
● Processing Complete
Credit Score
74
Income Stability
Consistent salary — 11 months
DTI Ratio
34% — within threshold
Fraud Signals
0 of 14 triggered
Overdraft Events
1 in 12 months — low risk
Decision generated in 3 min 42 sec
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Financial signals computed
0 min
Average processing time
0
Fraud detection signals
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Indian banks supported
Platform Capabilities
Enterprise-Grade Credit Intelligence
Eight capability groups built for the operational realities of Indian lending — from DSA kiosks to NBFC credit committees.
Universal Document Ingestion
Drag-and-drop any bank statement — PDF (native, scanned, or password-protected), image files (PNG/JPG), or Account Aggregator JSON. Supports 40+ Indian banks with universal OCR fallback.
220+ Financial Signals
Income stability, EMI obligation tracking, cash flow seasonality, salary regularity (CV-based), DTI ratio, overdraft frequency, and balance trajectory — computed automatically from every statement.
ML-Powered Credit Scoring
A 0–100 credit score with A/B/C/D risk tier classification. Every decision — APPROVE, REVIEW, or REJECT — is explainable via SHAP-based reason codes your credit managers can stand behind.
14-Signal Fraud Detection
PDF integrity verification, round-number transaction pattern analysis, salary velocity anomalies, overnight crediting flags, ghost employer signals, and duplicate narration identification — all in one pass.
Audit-Ready CAM Reports
Download a structured Credit Assessment Memo (CAM) PDF, Excel workbook with all 220+ features, and machine-readable JSON — formatted to satisfy RBI NBFC guidelines and internal audit requirements.
Role-Based Access & Audit Trail
ANALYST, CREDIT_MANAGER, and ADMIN roles with granular permissions. Every action is logged with an immutable SHA-256 audit trail — production-ready compliance from day one.
7-Stage Async Pipeline
A distributed processing pipeline with Redis locking handles high volumes without bottlenecks. Real-time status tracking at every stage — from document ingestion to final decision.
Multi-Bank Statement Fusion
Merge statements from multiple banks into a single unified credit profile. Captures the full financial picture even when a borrower banks across multiple institutions.
Product Tour
See BankLens In Action
A live look at the platform your credit team will use — from statement upload to final decision.
Statement Processing Pipeline — 7-stage analysis tracking from upload through OCR, categorisation, and final decision
The Process
Upload. Analyze. Decide. Three Steps.
A process that used to take 3.5 hours now takes under 5 minutes — with more consistency and full audit-readiness.
Upload the Bank Statement
Drop any format — PDF (native, scanned, password-protected) or image. BankLens supports 40+ Indian banks with automatic format detection and OCR fallback for scanned documents.
AI Analyzes 220+ Financial Signals
A 7-stage async pipeline extracts transactions, categorizes them with ML (SALARY, EMI, UTILITIES, FOOD, TRANSFER), engineers 220+ features, and runs the risk scoring model — all in under 5 minutes.
Receive a Structured Credit Decision
Get a 0–100 credit score, A/B/C/D risk tier, APPROVE/REVIEW/REJECT recommendation, SHAP reason codes, 14-signal fraud report, and a downloadable CAM PDF — ready for your credit committee.
Real Results
Finance Buddha: 80% Cost Reduction in 90 Days
Finance Buddha was spending ₹2.1 lakh per month on manual bank statement review — 525 analyst hours, 3.5-hour turnaround times, and growing headcount. They deployed BankLens.
Manual review cost
Turnaround time
Analyst hours
5-Year NPV
"We went from a 3.5-hour TAT to under 30 minutes, and our monthly credit ops cost dropped from ₹2.1 lakh to ₹42K. BankLens paid for itself in the first week."
Finance Buddha — Credit Operations Lead
NBFC · Mumbai
Pricing
Transparent Pricing. No Setup Fees.
Start pay-as-you-go at ₹12/report. Scale to unlimited when your volume demands it.
Starter
Pay-as-you-go. For teams processing up to 50 reports/month.
- Up to 50 reports/month
- PDF & image upload
- All 220+ financial signals
- Credit score + tier + decision
- 14-signal fraud detection
- Summary report download
- DPDP 2023 compliant
- Immutable audit log
Professional
For growing NBFCs and DSAs processing 500+ reports monthly.
- 500 reports/month included
- CAM PDF generation
- Excel workbook export
- Multi-user access (10 seats)
- REST API (1,000 calls/month)
- Immutable audit trail
- Priority email support
- No setup fees
Enterprise
For large lenders, banks, and fintech platforms needing white-label or on-premise.
- Unlimited reports
- Custom XGBoost model training
- White-label reports + branding
- Account Aggregator integration
- On-premise deployment option
- Rule engine admin UI
- 99.9% SLA + dedicated support
- Custom compliance documentation
All plans include DPDP 2023 compliance, immutable audit log, RBAC, and no credit card required to start.
Access the Platform
Your Credit Team. Now 7× Faster.
BankLens is live at banklens.vyaptix.ai. Create your account, upload a sample statement, and see a full 220-signal credit decision in under 5 minutes — no sales call required.
- No-login dev mode to explore the platform before sign-up
- Role-switcher (ANALYST / CREDIT_MANAGER / ADMIN) built in
- Full CAM PDF report downloadable on first try
- REST API available on Professional plan for LOS integration
- Dedicated onboarding support for NBFC teams
BankLens — Compliance & Standards
RBI NBFC
Guidelines compliant
DPDP 2023
Data privacy compliant
SHA-256 Immutable Audit Log
Every decision logged and tamper-proof
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Clients · 5,000+ reports/month
FAQ
Frequently Asked Questions
Questions from credit managers, NBFC founders, and DSA teams.
Ready to Cut Credit Ops Cost by 80%?
Join NBFCs and DSAs already using BankLens to process 5,000+ reports per month — faster, cheaper, and with full compliance documentation.