> ## Documentation Index
> Fetch the complete documentation index at: https://docs.capinex.in/llms.txt
> Use this file to discover all available pages before exploring further.

# PL Analyser

> Upload a personal bank statement PDF. See salary, EMIs, charges, FOIR (lending capacity), and high-value transactions.

PL Analyser stands for **Personal Loan Analyser**. You upload a customer's personal bank statement PDF and the app pulls out everything you need to make a personal-loan decision: salary deposits, EMI payments, bank charges, monthly cash flow, and most importantly the **FOIR** (their lending capacity).

<Note>
  This feature only works on a laptop or desktop with a screen at least 1100 pixels wide.
</Note>

## 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 app calculates this for you automatically.

## 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.

A button at the top right says **Upload Bank Statement**.

## How to upload a new statement

<Steps>
  <Step title="Tap 'Upload Bank Statement'">
    A dialog opens.
  </Step>

  <Step title="Tap 'Pick & Upload'">
    Pick a PDF from your computer. PDF only.
  </Step>

  <Step title="Watch the upload progress bar">
    It fills from 0% to 100%.
  </Step>

  <Step title="Wait for the analysis">
    A spinner shows the elapsed time. Usually 5 to 30 seconds.
  </Step>

  <Step title="Done">
    The report appears on the right and is added to the saved list on the left.
  </Step>
</Steps>

## 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

Worth asking the customer about these.

## How to download the analysed report

<Steps>
  <Step title="Find the report in the left panel" />

  <Step title="Tap the download icon on its right">
    A PDF with all the analysis downloads.
  </Step>
</Steps>

## Common workflows

### Decide if a customer qualifies for a personal loan

<Steps>
  <Step title="Upload their last 6 months' statement" />

  <Step title="Open the report and look at Average FOIR">
    If it's already 50%+, taking on more loan is risky.
  </Step>

  <Step title="Check Salary Details">
    Are salary deposits regular? Same amount each month?
  </Step>

  <Step title="Look at the trend in Month-on-Month FOIR">
    Going up? Their burden is increasing — be careful.
  </Step>
</Steps>

### Verify a customer's claimed income

<Steps>
  <Step title="Upload statement" />

  <Step title="Scroll to Salary Details">
    See actual deposits.
  </Step>

  <Step title="Compare to what they told you">
    If they said "₹1L per month" but you see ₹40K, ask them about the gap.
  </Step>
</Steps>

### Check existing EMI burden

<Steps>
  <Step title="Open report → EMI Details" />

  <Step title="Add up the recurring monthly amounts" />

  <Step title="Compare with salary">
    EMI total ÷ salary = current FOIR. The app shows this for you.
  </Step>
</Steps>

## 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

<AccordionGroup>
  <Accordion title="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?
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>