Emver
Emver

Employee Verification

Pre/Post Employee White Collar Blue Collar GIG Works

KYC & Onboarding

Identity Verification Address & Contact Verification AML & Risk Screening

B2B Risk Assessment

Vendor Onboarding Director & UBO Check GST & MCA Checks Financial Health View all solutions Browse all checks
Banks & NBFCs Fintech & Payments IT & Technology Staffing & Gig Healthcare Real Estate Gaming & Crypto E-Commerce & Retail

Identity & KYC

Aadhaar PAN PAN-Aadhaar Link Passport Driving Licence Voter ID DigiLocker Aadhaar eKYC CKYC PAN Detail Aadhaar Offline Ration Card Doctor Nurse Advocate RERA Drug Licence Death Certificate

Business & KYB

GSTIN GSTIN by PAN TAN Company (MCA) Directorship (DIN) Udyam / MSME Import Export Code FSSAI Licence GST Filings Company Financials Shop & Establishment GST with OTP MCA Documents Company Search ITR Status Trademark UBO Udyog Aadhaar

Documents & Biometrics

Document OCR Face Match Liveness Video KYC Aadhaar Masking Name Match Signature Deepfake Tamper Check

Banking & Credit

Bank Account UPI ID Credit Report IFSC Lookup Reverse Penny Drop Statement Analysis Business Credit Penny-less Account Aggregator e-NACH

Workforce & Assets

EPFO History CA Membership Vehicle RC Vehicle Challans Dual Employment Employer Search ESIC Education FASTag Vehicle Insurance National Permit Income Form 16 UAN Lookup ICSI Employer Confirmation

Contact & Address

Mobile Number Email Address Digital Address Mobile to Name Operator Lookup Mobile to PAN WhatsApp Check Physical Address

Risk & Compliance

AML / Sanctions Court Records Adverse Media Digital Footprint Breach Check Case Status Police Verification View all 86 APIs Developer console
Profiden+ Blog
About Locations Careers
Log in Talk to Sales
Banking & Credit

Bank Statement Analysis API

Upload bank statements, or fetch them with consent, and receive parsed transactions, categorised inflows and outflows, salary detection, EMI obligations, bounces and balance trends. Underwrite on real cash flow instead of declared income.

Response
Async, by webhook
Inputs
1 required · 1 optional
Consent
Recorded per request
Billing
Per successful call
Get API access API reference
POST /v1/bank-statement-analysis
Sandbox · Production

  1. Your application sends

    • Statement PDFs (with password if protected)*
    • Consent reference for account-aggregator fetch

  2. Profiden API

    Issues a hosted consent link, tracks the person's authorisation and assembles the result.

  3. Completed via

    Statement upload or account aggregator consent

  4. You receive by webhook

    • Parsed transactions
    • Categorised inflows and outflows
    • Detected salary credits and employer
    • EMI and loan obligations
    • Bounces and penalties
    • Average and minimum balances
    • Tamper check result
bank-statement-analysis Full reference

What the Bank Statement Analysis API does

Bank statements are the richest financial document a lender or employer can hold, and the hardest to read at scale. The Bank Statement Analysis API parses statements from every major bank, detects tampering, categorises transactions and computes the indicators credit and HR teams rely on.

It supports uploaded PDFs, including password-protected ones with the password supplied, and consented fetch through the account aggregator ecosystem where enabled.

Consent is part of the contract

Financial data is sensitive personal data. Capture the person's consent before analysis; the consent record is stored with the request.

Benefits of the Bank Statement Analysis API

Turn PDF statements into categorised transactions, income and risk indicators.

Cash-flow underwriting

Decide on observed income and obligations.

Tamper detection

Edited PDFs are flagged before they mislead a decision.

Every major bank

Formats normalised into one structure.

Minutes, not hours

Replaces manual statement review.

Use cases

Bank Statement Analysis API use cases

Where the Bank Statement Analysis API is typically called, and what it settles there.

Personal and business lending

Income, obligations and bounces at a glance.

Salary verification

Confirm declared salary and employer from credits.

Tenant screening

Affordability evidence for rentals.

Insurance underwriting

Financial stability signals for large policies.

How the Bank Statement Analysis API works

Request and response details, environments and a ready-to-import collection are in the developer console at console.profiden.com.

01

Authenticate

Call with your organisation API key. Sandbox and production use the same contract.

02

Create the consent link

Send the person's details and the documents you need. You receive a hosted link to share on any channel.

03

The person authorises

They sign in and choose what to share. Nothing moves without their approval.

04

Receive the result

Verified documents and details arrive by webhook or on the status endpoint, and attach to the case.

Open the Bank Statement Analysis reference

Built for the DPDP Act 2023

Consent recorded · Payloads not retained beyond your retention window · Every request traceable

Encryption in transit and at rest
Data processed in India
Per-request audit trail
Masked identifiers in responses

Bank Statement Analysis API: frequently asked questions

What teams ask before adding the Bank Statement Analysis API to their integration.

With the person's consent through the account aggregator ecosystem, yes, where your organisation is enabled for it. Uploaded PDFs are supported for everyone.

They are purged under your retention policy. The structured output is returned to you.

Related APIs

APIs that usually run alongside the Bank Statement Analysis API, on the same key.

All APIs

Credit Report

Banking & Credit

Consent-based credit score and report for lending and financial-role screening.

Employment History (EPFO)

Workforce & Assets

Retrieve a candidate's employment history from provident fund records using their UAN.

Bank Account Verification

Banking & Credit

Confirm an account exists and belongs to the person or business you are paying.

More Banking & Credit APIs

Get access to the Bank Statement Analysis API

Tell us your use case and expected volume. We set up the organisation, share per-call pricing and issue keys.

Get API access Developer console