Lend Faster. Stop Fraud
Before You Disburse.
FinEye checks every bank statement, GST return and bureau report for tampering, hidden debt and inflated turnover, so your credit team approves genuine borrowers in minutes and stops risky ones before the money leaves your account.
Where NBFC Losses
Start
Most bad loans don't look bad on the application. The warning signs sit inside statements and returns that nobody has time to read line by line.
Edited Statements
Balances raised, salary credits added, bounces removed. A well-edited PDF looks genuine to the eye.
Inflated Turnover
Money rotated between related accounts makes a small businesslook several times its real size.
Hidden Obligations
Informal loans and undeclared EMIs show up as bank debits long before they reach the bureau.
Slow Manual Checks
Reading every file by hand takes days, so good borrowers walk away while risky ones still getthrough.
What FinEye Flags on Every Application
Each check runs automatically and shows up at the top of the report, with the transactions behind it.
Statement Tampering
Signs a PDF was edited after the bank issued it.
Missing Pages and Period Gaps
Statements cut to hide a bad month.
Circular Transactions
Funds moving out and back in to inflate credits.
Related-party Transfers
Large flows to and from the promoter's own entities.
Bounces and Returns
Cheque and ECS returns that point to stress.
Undeclared EMIs
Loan repayments in the bank that don't match the bureau.
Turnover Mismatch
Declared GST turnover that the bank account can't support.
Forged PDFs, Removed at Source
Fetch statements straight from the bank so there is no file to edit.
Statement Tampering
Signs a PDF was edited after the bank issued it.
Bounces and Returns
Cheque and ECS returns that point to stress.
Missing Pages and Period Gaps
Statements cut to hide a bad month.
Undeclared EMIs
Loan repayments in the bank that don't match the bureau.
Circular Transactions
Funds moving out and back in to inflate credits.
Turnover Mismatch
Declared GST turnover that the bank account can't support.
Related-party Transfers
Large flows to and from the promoter's own entities.
Forged PDFs, Removed at Source
Fetch statements straight from the bank so there is no file to edit.
From Application to Decision, with Fraud
Checks Built in
Collect
Fetch statements by Account Aggregator consent, or upload PDFs, GST returns and bureau reports
Verify
PreAnalysis screens every file for tampering and missing pages before anyone spends time on it.
Assess Risk
Banking, GST and bureau data are cross-checked against each other to surface what doesn't add up.
Decide
A report with risk flags on top lands in your LOS, every figure traceable to its source.
Collect
Fetch statements by Account Aggregator consent, or upload PDFs, GST returns and bureau reports
Verify
PreAnalysis screens every file for tampering and missing pages before anyone spends time on it.
Assess Risk
Banking, GST and bureau data are cross-checked against each other to surface what doesn't add up.
Decide
A report with risk flags on top lands in your LOS, every figure traceable to its source.
Six Layers of Protection on Every Loan File
Each product closes a different gap fraudsters use. Together they give your credit team one checked view of every borrower.
Built for How
NBFCs Lend
From branch-led MSME lending to co-lending with banks, the same
risk checks run on every file.
MSME & Business LoansLoan Against PropertyPersonal LoansWorking Capital
Every Flag Comes With Evidence
Your credit committee, auditors and regulator can trace each decision back to the transactions behind it.
Each risk flag links to the exact transactions that triggered it
Consent captured and logged for every Account Aggregator fetch
Data storage location and security certifications: confirm with compliance
Questions
NBFC Credit Teams
Ask
How does FinEye detect tampered or fake bank statements?
Can FinEye identify circular transactions and inflated turnover?How does FinEye identify undeclared loans and hidden obligations?Should lenders use Account Aggregator data or PDF bank statements?Which banks and statement formats does FinEye support?What does FinEye's 99% accuracy mean?How quickly can lenders receive a FinEye report?Can FinEye integrate with our Loan Origination System (LOS)?Can lenders use FinEye with their existing credit policies?How does FinEye handle borrower data and consent?How can lenders test FinEye before committing?Further Reading on Lending
Fraud and Risk
November 4, 2026 · 9 min read
Bank Statement Analysis for Lending: Metrics, Methods, and Red Flags for Indian Lenders
Shivam Jadon
Digital Marketing Associate
November 4, 2026 · 9 min read
Credit Underwriting for MSME Loans: Process, Models, and the Data Behind Each Decision
Shivam Jadon
Digital Marketing Associate
November 3, 2026 · 12 min read
What is an Account Aggregator for Lenders? Understanding Meaning, Features & Benefits
Shivam Jadon
Digital Marketing Associate
Would have FlaggedSend us a few past applications, including ones that turned bad. We'll run them through FinEye and show you the warning signs it catches.
