Credit vs Banking comparison is live NEW Upload the credit report — every EMI is matched to the bank statement automatically. Know More ₹%✓★

Bank Statement Analysisfor DSAs who move fast

Any Indian bank, any format | Proper report in minutes, Excel & PDF

Professional loan consultant
Bank statementMar 2026
Salary credit+ ₹68,000
HDFC EMI– ₹12,400
Cheque bouncenone
Avg balance₹1,24,500
bank-ready
report powered by Checkscore AI
Salary credits Verified
EMIs Matched
Bounces Flagged
Bank Statement Report Sample

Credit Report Analysiscompared with the bank statement

CIBIL, Experian & CRIF | Every EMI matched line by line against bank debits

Credit analyst holding a tablet
Credit reportCIBIL
Score785
Active loans3
Missed EMIs1 flagged
Vs bank statementSample
HDFC PL EMIMatched
Bajaj EMIMatched
Card min dueNot found
785
score from the credit report
3 loans matched in statement
1 EMI not found — flagged
Obligations ₹18,400 / month
Credit vs Banking Report Sample

Loan Eligibility Reportfrom payslips, banking & credit

Declared vs. actual salary | FOIR, obligations and the eligible loan amount

Two professionals reviewing a report on a laptop
Payslip vs bank3 months
Declared salary₹68,000
Bank credit₹68,000
Match✓ Verified
ObligationsFOIR 42%
₹18.5 L
eligible sample eligibility report
Net salary ₹68,000 verified
FOIR 42%
Bank-wise eligibility
Eligibility Report Sample
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The all in one credit analysis platform you've been looking for

Analyze Bank Statements New

Upload statement
PDF
Drop bank statement PDF
Any bank · 3–12 months
Analyze now →

Statement Upload

Upload a statement from any Indian bank — no format conversion, no manual entry.

TransactionsMar 2026
+ ₹68,000✓
– ₹12,400✓
– ₹6,000✓
– ₹590!
Salary, EMIs, bounces & charges classified

Transaction Analysis

AI classifies every credit and debit: salary, EMIs, bounces, cash and charges.

Cash-flowAvg balance
₹1,24,500 avg0 bounces

Cash-flow Report

Average and minimum balances, inflow vs outflow, month-by-month trends.

MonthCreditsDebitsJan1,10,20084,300Feb1,12,90079,100Mar1,15,00088,600

Excel & PDF Report

Download a bank-ready report you can share with the customer or the bank.

Analyze Credit Reports

Upload credit report
CIBILExperianCRIF
PDF
Drop the bureau report
ANY BUREAU

Credit Report Upload

CIBIL, Experian or CRIF reports.

Score & accountsSample
785EXCELLENT
3 active loans2 enquiries1 DPD

Score & Account Analysis

Score, active loans, enquiries, DPDs and payment history in one view.

Credit vs BankingSample
Credit report
HDFC PL₹12,400
Bajaj EMI₹6,000
Card min₹2,100
Bank statement
Matched✓
Matched✓
Not found✕
COMPARISON

Credit vs Banking Comparison

Each EMI on the report is matched to bank debits — mismatches and hidden loans flagged.

Custom reportPlain language
Easy to explain to customers

Custom Report

Get the comparison as a custom report your customer can actually understand.

Check Loan Eligibility

PayslipsLast 3 months
Mar 2026₹68,000✓
Feb 2026₹68,000✓
Jan 2026₹67,400✓
Net salary read from each payslip

Payslip Upload

Upload the last three payslips alongside the statement and credit report.

Salary verificationSample
Payslip
Net pay₹68,000
Bank credit
Salary₹68,000
Declared = Actual12 / 12 credits

Salary Verification

Declared salary is checked against the actual credits in the bank statement.

FOIR & obligationsSample
FOIR42%
EMIs ₹18,400Income ₹68,000Within norms

FOIR & Obligations

Total obligations from the credit report against verified income — FOIR in one number.

EligibilitySample
Eligible amountup to ₹18.5 L
Tenure60 months
Bank-wise eligibility →

Eligibility Report

A detailed report of how much your customer is eligible for, before you approach a bank.

Deliver Reports

DateCreditDebit01 Mar68,000—03 Mar—12,40005 Mar—6,00010 Mar4,500—

Excel Reports

Structured, month-wise Excel workbooks for bank statement analysis.

Report.pdfReady
Download PDF ↓

PDF Reports

Credit and eligibility reports as clean PDFs, ready to share or print.

Checkscore · WhatsApp
Your report is ready.
Credit_Report.pdf
NO LOGIN NEEDED

WhatsApp Delivery

Send the finished report to the customer on WhatsApp with a secure download link.

DashboardToday
Reports generated14
In progress2
Wallet balance₹4,250

Smart Dashboard

Every upload, report and download in one place — with history and search.

Manage Wallet & Team

Scan & pay ₹500 UPI

Wallet Recharge

Top up with UPI, cards or net banking. Every report is paid from your wallet.

PricingPer report
Bank statement analysisper report
Credit report analysisper report
Eligibility reportper report
No subscription · no minimum

Pay Per Report

Transparent per-report pricing, debited only when a report is generated.

Checkscore
Wallet ₹4,250

Android App

Upload, recharge and download reports from your phone.

Team3 members
Ravi · DSA6 reports
Priya · Agent4 reports
Arun · Agent4 reports

Team Accounts

One wallet, many users — track every agent's reports from the team leader's dashboard.

Powering every lender.
Powering every DSA.

Empower yourDSA business

Pre-check every file before you log it in with a bank. One upload gives you the banking report, the credit comparison and the eligibility — so you send only the files that will get approved.

CIBILExperianCRIF+ any bank statement
See Solutions

We have built for the way lending really works.

Credit vs Banking comparison

Every EMI on the credit report matched to a bank debit, so hidden loans, missed payments and mismatches can't slip through.

Upload the credit report after the bank statement — the comparison is automatic

Get a bank-ready report in minutes, with no manual data entry, from any bank's statement.

India's simplest bank statement analyser for DSAs and loan agents

<no spreadsheets?>

Not a numbers person?Our plain-language reports have you covered

Bank Statement Report

Know the customer's cash-flow: salary, EMIs, bounces and balances, month by month.

Credit Comparison Report

See every loan on the report matched against the bank statement, in plain words.

Eligibility Report

Find out how much your customer can borrow before you approach a bank

Checkscore grows with you!

1,500+ DSAs & Loan Agents
Loan consultantsPre-check every file before it goes to the bank

Upload the statement, add the credit report, download the comparison. The whole workflow takes a few minutes — not an afternoon.

How DSAs use CheckscoreBank statement + credit report + payslips
2 Lakh+
reports analysed
Average report time5 min
Bureaus supported3
Uptime99%
DSA teamsOne wallet, many agents, every report in one dashboard

Frequently asked questions

What is Checkscore?
Checkscore is an analysis platform for DSAs and loan agents. You upload a customer's bank statement, credit report and payslips; Checkscore analyses them and gives you a bank statement report, a credit-vs-banking comparison and a loan-eligibility report.
What services does Checkscore offer?
Bank statement analysis (Excel and PDF), credit report analysis for CIBIL, Experian and CRIF High Mark, a line-by-line comparison of the credit report with the bank statement, payslip-based salary verification and a loan-eligibility report with FOIR and eligible amount.
Which bank statements are supported?
PDF statements from any Indian bank. Upload 3 to 12 months of statements for the best result.
Which credit bureaus are supported?
TransUnion CIBIL, Experian and CRIF High Mark. You can upload an existing report, including multi-bureau reports.
How does the credit-vs-banking comparison work?
Every loan and card on the credit report is matched to the EMI debits in the bank statement you already uploaded. Loans with no matching debit, missed payments and amount mismatches are flagged in the report.
How is loan eligibility calculated?
Net salary from the payslips is verified against the salary credits in the bank statement. Existing obligations are taken from the credit report. Together they give the FOIR and an indicative eligible loan amount, presented bank-wise in the report.
How long does a report take?
Most reports are ready within about five minutes of upload. You are notified in the dashboard, and reports can also be sent to the customer on WhatsApp.
How much does it cost?
You pay per report from a prepaid wallet — no subscription and no minimum. Recharge with UPI, cards or net banking. See the Pricing page for current rates.
Is Checkscore safe and secure?
Documents are transferred over 256-bit SSL and stored encrypted. Reports are pulled only with the customer's consent, and access is limited to your account.
Is there a mobile app?
Yes — the Checkscore Android app on Google Play lets you upload documents, recharge your wallet and download reports from your phone.
Does Checkscore provide customer support?
Yes. Reach us on WhatsApp or phone at +91-9346080422 or email support@checkscore.in, Monday to Friday, 9:00 AM to 6:00 PM IST.

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