This feature only works on a laptop or desktop. The screen needs to be at least 1100 pixels wide. On a phone you’ll see a “use a larger screen” message.
The home screen
When you tap BL Analyser, you see two side-by-side panels:- Left panel — Saved Reports: every PDF your team has analysed before. Each entry shows the account holder name and the date it was uploaded.
- Right panel — Report Details: starts empty. When you tap a saved report, this is where the analysis appears.
How to upload a new statement
1
Tap 'Upload Bank Statement'
A dialog opens.
2
Tap 'Pick & Upload'
Pick a PDF from your computer. Only PDF works — no Word, Excel, or images.
3
Watch the progress bar
Shows the upload percentage.
4
If the PDF needs a password
A password field appears. Type it and continue.
5
Wait for analysis
A spinner appears with elapsed seconds. Usually 30–90 seconds depending on statement size.
6
Done
The new report shows up in the left panel and opens automatically on the right.
How to read the analysis (3 tabs)
The right panel has three tabs: Lead Summary, DSA Matrix, Transactions.Tab 1: Lead Summary
This is the executive overview. You’ll spend most of your time here. Account & Statement card- Account holder name, bank, account type, account number, IFSC.
- Statement period — what dates the statement covers.
- Days since the last transaction.
- A freshness badge:
- 🟢 Fresh — recent, lenders are happy
- 🟠 Acceptable — okayish
- 🔴 Stale or Very Stale — too old, lenders get nervous
- Total credits and debits over the statement period.
- Average monthly inflow, outflow, and surplus.
- Opening and closing balances.
- Total / 3-month / 6-month turnover, both with and without “deposits” (so you can see real business activity vs. one-off transfers).
- Bounce counts for the last 3 months, 6 months, and 12 months. Red badges if there are any.
- Warnings — red badges for problems found in the statement. Says “None” in green if the statement is clean.
- Declining items — orange badges for trends that are getting worse over time.
Tab 2: DSA Matrix
DSA stands for Data Sufficiency Assessment — basically, “did the AI find enough information to make a confident decision?” Top of the tab:- Pass / Fail / Warn / Info badge counts.
- A green “ALL CLEAR / PASSED” banner if everything’s good, or a red banner with the first issue if not.
For underwriters, this is the most important tab. Scan for any red Fail signals in Critical or High priority — those are the must-fix issues.
Tab 3: Transactions
Every transaction in the statement, in a scrollable table.
Only the first 50 rows load to keep things fast. Tap Load More at the bottom for more. When you reach the end, you’ll see “End of transactions.”
Common workflows
Quick credit decision
1
Open the report
Click the customer’s name in the left panel.
2
Stay on Lead Summary
Look at Average Monthly Surplus — positive is good.
3
Check Freshness
Green = recent, red = too old.
4
Check Flags
Any red warnings or bounce counts above zero? That’s a no-go.
Underwriter deep-dive
1
Click the DSA Matrix tab
2
Look at the recommendation banner
Green = approve, red = needs review.
3
Scan for red Fail signals on Critical/High priority rows
4
Read the Notes column
Each Note explains why that check failed.
Audit a specific transaction
1
Click the Transactions tab
2
Scroll through dates and descriptions
3
Click 'Load More' if you need older entries
Download a saved report
1
In the left panel, find the report
2
Tap the small download icon on its right
The original PDF downloads.
Common things people ask
My PDF won't upload.
My PDF won't upload.
Three things to check: (1) Is it really a PDF? (2) Is it password-protected? Try entering the password when prompted. (3) Is your internet on?
The statement says 'Stale' — is that bad?
The statement says 'Stale' — is that bad?
Yes. Most lenders want statements no older than 30–60 days. Ask the customer for a fresh one.
There's one bounce in 12 months — is that a deal-breaker?
There's one bounce in 12 months — is that a deal-breaker?
Depends on your team’s policy. Ask your manager. The app flags it so you don’t miss it; the call is yours.
The Transactions tab takes forever to load.
The Transactions tab takes forever to load.
Only the first 50 rows load. Click ‘Load More’ for additional pages.
What's a 'declining item'?
What's a 'declining item'?
Something that used to be high and is going down — like monthly turnover dropping over the last 6 months. Could mean the business is shrinking.