Is the income real, and can they repay?
Read the applicant’s own statements and see how regular the income is, which EMIs they already pay, and what only moved between their own accounts. Evidence for the credit memo, every figure tied to its row. Not a score.
- IncomeHow regular is it, and where does it come from?
- ObligationsWhich EMIs and limits are they already carrying?
- Window dressingWhat only moved between their own accounts?
A home-loan file, read in one pass
Rahul and Priya Fernandes: their own and their business’s statements, April 2024 to September 2025.
- 01
How regular is the income?
Recurring credits are found and lined up month by month, so a missing month or a changed amount shows at once.
- 02
What they already repay
EMIs and loan payments are picked out of the narrations, with the lender, the amount and the day they go out.
- 03
Money that isn’t income
Transfers between their own accounts, drawings from their own business and money that comes back are kept apart from income.
- 04
Evidence for the credit memo
Ask for a summary and get one that cites the statement, page and row behind every figure. The decision stays yours.
The checks you’ll lean on
- IncomeRegular income stops, arrives late or changesA salary or other regular credit that misses a month, slips, or changes amount.
- IncomeLarge outflow right after income arrivesMost of an income credit leaving within days of it landing.
- Loans & obligationsRepayment missed or rising sharplyAn EMI that doesn’t appear in a month, or jumps in size.
- Loans & obligationsPayment returned or charged backA payment that comes straight back, unpaid or reversed.
- Cash positionCash deposits high compared with incomeCash paid in that is large next to the account’s income.
- Money movementMoney returns through linked accountsMoney that leaves and comes back round through the case’s own accounts.
What goes in the credit file
- Income by month.xlsxEvery recurring credit, month by month, with gaps and changes marked.
- Obligations.xlsxEMIs and loan payments found in the statements, by lender.
- Transfers within the case.xlsxWhat moved between the applicant’s own and linked accounts.
- Findings and notesWhat fired on the statements, and what your analyst made of it.
Fits the way credit teams work
- Evidence, not a scoreAI-Mond shows what the statements say and where. The credit decision stays with your team.
- Ask the fileQuestion the applicant’s statements in plain English and get answers with the rows behind them.
- RolesDecide who can view, edit and export each applicant’s file.
- A log per fileEvery sign-in, edit and export is recorded, for your own audit.
Questions, answered
What people in your seat ask before they start.
01Is this a credit score?
No. AI-Mond reads the statements and shows what they say: income, obligations, transfers and anything worth a second look, each tied to its row. Your team makes the decision.
02Which documents can it read?
Bank statements, credit card statements, invoices and receipts: native PDFs, scanned PDFs, phone photos, Excel and CSV, from banks across India.
03How does it tell income from transfers?
Once the applicant’s accounts are in one case, money moving between them, and between linked people such as a spouse or the applicant’s own business, is kept apart from income.
04What happens when a row can’t be proved?
Every row is checked against the printed balance. If one doesn’t add up, it goes to Studio, which shows the page and the row side by side so a person can correct it. Nothing is accepted silently.
05Where does our clients’ data go?
Wherever you choose: AI-Mond’s cloud in the region you pick, your own cloud account, or your own servers. Sign-in goes through your identity provider, roles decide who can view, edit and export, and every sign-in, edit and export is logged.