The agentic layer for loan analysis
From first statement
to final repayment.
Fiscus reads every bank statement, triangulates it against GST and bureau, builds the complete underwriting picture, then keeps watching through the life of the loan and into collections. One layer, the whole lifecycle.
Built for credit teams at banks and NBFCs · Deployed in your environment
score
Designed for leading financial institutions in India
Everything the loan decision depends on, read at source fidelity.
Scanned, native or screenshot. Any bank, any format. Fiscus turns raw statements into the complete underwriting picture. Every figure traceable back to the page, line and confidence it came from.
Statement intelligence
Granular extraction and categorisation tuned for Indian current accounts, with a tampering verdict on every document before a single number reaches your credit team.
- ✓99%+ extraction accuracy across scanned and native statements, multi bank and multi format. Every field carries page, position and confidence.
- ✓Noise removed before it distorts: duplicates, reversals and inter account transfers filtered out.
- ✓A tampering verdict, not a guess: font anomalies, balance trail breaks and edited fields flagged with the exact page, before analysis begins.
Underwriting analysis
From clean data to a defensible picture: cash flow strength, obligation coverage, working capital health, banking conduct and concentration risk, assembled the way your best analyst would, in minutes instead of days.
- ✓Cash flow scoring calibrated on repayment outcomes: inflow quality, DSCR and conduct, for borrowers bureau scores miss.
- ✓Obligation mapping across every lender visible in the banking, including ones not yet on the bureau.
- ✓Working capital cycle, measured: days from outflow to collection, with vendor and buyer concentration read from the actual money movement.
- ✓Month on month trend analysis as the primary lens. Seasonality fitted, one offs isolated.
Banking is the truth. GST and bureau are the witnesses.
A statement tells you what moved. Fiscus cross examines it: declared GST turnover against banked revenue, bureau tradelines against actual EMI outflows. The picture your committee sees has already survived its own audit.
GST and banking reconciliation
Declared turnover matched against revenue credits actually landing in the accounts. The fastest honesty check in Indian credit.
- Turnover variance between GSTR filings and banked inflows, computed and explained.
- Filing cadence as conduct: on time GSTR-3B behaviour read as a discipline signal.
- Anomalies surfaced: circular trading, round tripping and ghost vendor patterns flagged before sanction.
Bureau and banking cross check
Tradelines reconciled against the EMI outflows visible in the banking, so leverage hides in neither direction.
- Loans the bureau has not caught: fresh disbursals visible in the banking weeks before they report.
- Tradelines with no matching outflow: closed, restructured or disputed lines flagged for the officer.
- Velocity signals: enquiry stacking and balance transfer chains that precede stress.
Beyond the statement
The same reading engine extends across the full borrower document trail. Every field with page, position and confidence.
- Tax and financials: ITR and GST filings read as structured fields, not text dumps.
- Loan operations: sanction letters and cheque images parsed into the same evidence trail.
- One provenance standard: hover any figure in the report, jump to the exact source line.
Ask the analysis anything. Get answers with receipts.
Fiscus Copilot reasons over the full borrower footprint: banking, GST and bureau, in plain language. Every claim carries a reference to the exact statement page, so a credit committee can audit any answer in seconds. Try a question:
Inflow quality is strong: 91% of credits are revenue linked, growing 3.8% month on month on a 3 month roll pg 2–6.
Coverage is comfortable: DSCR of 1.82 against ₹3.2L/mo across 6 mapped lenders obligation map.
Conduct is clean: one bounce in 24 months, recovered within 4 days pg 7. The watch item: counterparty concentration at 38% pg 3.
The analysis does not stop at sanction.
Fiscus keeps reading borrower banking through the life of the loan, surfacing stress signals months before they become a missed EMI, ranked so your team acts on what matters first.
Loan monitoring
Continuous surveillance on every live account: balance decay, inflow deterioration, new obligations appearing, conduct slipping. Early warning signals routed to the right team with the evidence attached.
- ✓Stress detected early: inflow and balance deterioration flagged on month on month movement, not after default.
- ✓New leverage spotted: fresh lender inflows and EMI outflows that change borrower coverage.
- ✓Ranked, not dumped: alerts prioritised by exposure and severity, pushed into your existing workflow.
Collections monitoring
When an account does slip, the same banking intelligence tells your collections team who can pay, who is deteriorating, and where to spend effort, instead of working the bucket list top to bottom.
- ✓Capacity to pay signals: live inflows show which delinquent borrowers actually have money moving.
- ✓Roll rate watch: accounts trending toward the next DPD bucket flagged before they cross.
- ✓Effort where it pays: recovery queues ranked by exposure and likelihood, refreshed daily.
1 to 30214
31 to 6096
61 to 9041
90+18
Six stages, every document, every time.
Extraction
Every bank format, scanned or native, read at source fidelity. Each field with page, position and confidence.
Verification
A tampering verdict per document: font anomalies, balance trail breaks and edited fields caught before analysis.
Filtration and classification
Duplicates, reversals and transfer noise removed. Granular categorisation tuned to business current accounts.
Triangulation
Banking cross examined against GST turnover and bureau tradelines. Variance computed, gaps flagged.
Analysis
Scoring, obligation mapping, working capital cycle, conduct and trend analysis. Structured and traceable.
Surface
Dashboards for analysts, APIs for your LOS, Copilot for everyone else.
Fundamentally different, not incrementally better.
Built from first principles for credit teams: accuracy, speed and cost that change what is economically possible to analyse.
Put Fiscus on your own files.
Bring a set of statements your team has already analysed. We will run them side by side and measure accuracy, depth and time on your own cases.