This feature only works on a laptop or desktop with a screen at least 1100 pixels wide.
What is FOIR?
FOIR = Fixed Obligation Income Ratio. It’s the percentage of monthly income already going to existing EMIs. Lenders use it to decide if the customer can take on another loan.- Lower FOIR = more borrowing capacity = more likely to be approved.
- Higher FOIR = the customer is already stretched thin = risky to lend more.
The home screen
Two side-by-side panels:- Left — Saved Reports: a list of every PDF analysed before. Each row shows the account holder name and the upload date.
- Right — Report Details: empty until you pick a report. Tap a saved report on the left to see its details.
How to upload a new statement
1
Tap 'Upload Bank Statement'
A dialog opens.
2
Tap 'Pick & Upload'
Pick a PDF from your computer. PDF only.
3
Watch the upload progress bar
It fills from 0% to 100%.
4
Wait for the analysis
A spinner shows the elapsed time. Usually 5 to 30 seconds.
5
Done
The report appears on the right and is added to the saved list on the left.
How to read the analysis
When you tap a saved report, the right panel shows:Average FOIR (top of the panel)
A big box showing the customer’s average FOIR across the statement period. Click the number to copy it (handy for pasting into your CRM).Month-on-Month FOIR
A row of cards, one per month, showing the FOIR percentage for each month. This tells you if their cash flow is stable, improving, or deteriorating.Salary Details
- How many salary credits the bank found.
- The total amount.
- Each individual salary deposit (date and amount).
EMI Details
- All loan and credit-card EMI payments.
- Each payment is listed separately so you can see what they’re already paying.
Charges & Fees
- Bank charges, service fees, NEFT/IMPS charges, etc.
- High charges can be a sign the customer is short on money.
High-Value Credits
If the statement has unusually large deposits (more than 2× the average), they show here. Could be:- A salary bonus
- A loan from someone else
- A one-off transfer
How to download the analysed report
1
Find the report in the left panel
2
Tap the download icon on its right
A PDF with all the analysis downloads.
Common workflows
Decide if a customer qualifies for a personal loan
1
Upload their last 6 months' statement
2
Open the report and look at Average FOIR
If it’s already 50%+, taking on more loan is risky.
3
Check Salary Details
Are salary deposits regular? Same amount each month?
4
Look at the trend in Month-on-Month FOIR
Going up? Their burden is increasing — be careful.
Verify a customer’s claimed income
1
Upload statement
2
Scroll to Salary Details
See actual deposits.
3
Compare to what they told you
If they said “₹1L per month” but you see ₹40K, ask them about the gap.
Check existing EMI burden
1
Open report → EMI Details
2
Add up the recurring monthly amounts
3
Compare with salary
EMI total ÷ salary = current FOIR. The app shows this for you.
Tip: copy values quickly
Almost every number on the screen is clickable. Tap a number — it copies to your clipboard. Then paste into your CRM, your email, or wherever.Common things people ask
The PDF won't analyse.
The PDF won't analyse.
Three checks: (1) Is it a real PDF, not a scan or image? (2) Is the file corrupted? (3) Is your internet on?
No salary credits showed up.
No salary credits showed up.
The AI looks for regular monthly deposits with consistent amounts. If the customer’s “salary” is just transfers from a friend, the app won’t classify it as salary.
What's a good FOIR?
What's a good FOIR?
Below 40% is healthy. 40–55% is moderate (proceed with caution). Above 55% means they’re already stretched — likely a no-go for additional unsecured loans.
The High-Value Credits section shows lots of entries.
The High-Value Credits section shows lots of entries.
The customer has irregular income. Get more details from them — could be a freelancer with project payments, or could be a red flag.