02 · GreyCells — Underwriting
The brain of intelligent lending.
GreyCells reads bank statements, salary slips, and financial documents with human-level accuracy — underwriting loans end-to-end. It runs deep statistical modelling on historic disbursals and NPAs, predicts risk, detects hidden fraud patterns, and delivers the most optimal loan offer.
Book a demoThe challenge
Underwriting is drowning in PDFs.
Bank statements are full of signals — but most lenders rely on humans scanning PDFs, missing fake salaries, circular transactions, and hidden risks. Fraud slips through, genuine borrowers get delayed, and NPAs rise.
GreyCells solves this. It's an AI brain that reads statements with near-perfect accuracy, uncovers fraud patterns invisible to the eye, and delivers real-time income, risk, and eligibility insights.
Analysis
Core analysis features
Comprehensive AI-powered analysis for complete financial understanding.
Financial Analysis
Comprehensive salary transaction analysis and categorization with intelligent pattern recognition.
Fraud Detection
Identifies suspicious salary transactions including UPI-based fake salaries and irregular patterns.
Loan Eligibility
Automated loan eligibility assessment with precise amount calculation based on income patterns.
Secure Processing
Bank-grade security with API key authentication, rate limiting, and encrypted data handling.
Dashboard
Underwriting intelligence, in one place
A single overview of extraction, fraud signals, and eligibility across every statement processed.
API
API capabilities
Powerful endpoints for comprehensive bank statement analysis.
Account Information
Extract account holder name and account number with high accuracy.
Salary Analysis
Legitimate salary credits via NEFT/RTGS transactions with pattern validation.
Fraud Alerts
Detection of suspicious UPI-based salary claims and irregular transaction patterns.
Loan Assessment
Eligibility determination based on salary history and spending patterns.
Modules
Comprehensive analysis modules
Complete financial intelligence across every dimension of bank statement analysis.
Income & salary analysis
Salary Detection
Identifies legitimate salary credits via NEFT/RTGS with employer validation
Income Stability
Analyzes salary consistency, frequency, and growth patterns over time
Multiple Income Sources
Identifies and categorizes all income streams including freelance and rental income
Fraud & risk detection
UPI Salary Fraud
Detects fake salary credits via UPI and other suspicious payment methods
Circular Transactions
Identifies round-tripping and circular money flow patterns indicating fraud
Document Tampering
Detects PDF manipulation, edited statements, and forged documents
Transaction & spending analysis
Expense Categorization
Automatically categorizes expenses into rent, utilities, EMIs, and lifestyle spending
Cash Flow Analysis
Tracks monthly inflows and outflows to determine financial health and stability
Recurring Payments
Identifies all recurring obligations including EMIs, subscriptions, and bills
Credit & loan assessment
Loan Eligibility
Calculates maximum loan amount based on income, obligations, and credit behavior
Credit Behavior
Analyzes existing loan repayment patterns and credit card usage behavior
Risk Scoring
Generates comprehensive risk score based on financial behavior and patterns
Advanced intelligence
Multi-Bank Analysis
Consolidates data from multiple bank accounts for complete financial picture
Historical Trends
Analyzes 6-12 month trends to predict future financial behavior and stability
Compliance Checks
Ensures all analysis meets regulatory requirements and lending guidelines
Outcomes
Why choose GreyCells
Transform your lending operations with AI-powered intelligence.
Industry-leading accuracy in data extraction from bank statements.
Process statements in seconds instead of hours of manual review.
Significantly reduce non-performing assets with better risk assessment.
Catch fraudulent applications before they become bad loans.
Round-the-clock processing with no manual intervention required.
Seamlessly integrate with your existing lending workflow.