Statement Analysis - Analyze Statement

Introduction:

The Bank Statement Analysis API automates the evaluation of single or multiple bank statements to deliver actionable financial insights. By analyzing income stability, spending patterns, and transaction histories, it enables lenders to accurately assess borrower credit risk.

Key Features:

Multi-Statement Consolidation: Process single or multiple statements to generate one unified financial report.

Deep Financial Insights: Automatically extract and calculate key indicators, including salary, EMIs, and transaction bounces.

Pre-Analysis Validation: Verify document recency, required banking periods, and borrower ownership before full processing.

Comprehensive Fraud Detection: Execute 55+ backend fraud pattern checks immediately upon document upload.

Asynchronous Callbacks: Receive webhook notifications when the analysis report is ready for download (highly recommended for production environments).

Customizable Output Templates: Choose from 4 distinct analysis templates by passing the templateId in your request payload. (Note: Request template IDs from [email protected]).

Supported Input Methods

The API accepts documents via:

Direct file upload

Public File URLs

Pre-signed File URLs

Unsupported Formats

Merged documents - Separate bank statement PDFs merged together

Cheque book images

Statements missing a running balance entry after each transaction

Statements missing the issuing bank's name

Sample Curl:

curl --location 'https://api-preproduction.signzy.app/api/v3/statementanalysis/analyze-statement' \
--header 'Content-Type: application/json' \
--header 'Authorization: <auth-token>' \
--data '{
    "authToken": "eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJyYXZpbmRyYS50aG9sdWNodXJ1QHNpZ256eS5jb20iLCJyb2xlcyI6WyJVU0VSIl0sImNsaWVudCI6ImNISmxZMmx6WVY5MFpXNWhiblF5TXprMU9BPT0iLCJ0ZW5hbnRJZCI6IjIzOTU4IiwiYWNjZXNzIjoiZmFsc2UiLCJpYXQiOjE3MTY0NDI3MDgsImV4cCI6MTcxNjUyOTEwOH0.L4b1NpTqJawXxGwSC3OqOVDXa9qgB33j2KuWuB3mMag",
    "files": [
        {
            "fileUrl": "https://files-staging.signzy.tech/api/files/5086464/download/76a32a70eec54115ab62eae5c264aca54db8b13903d847598d114dd123cc6f24.pdf"
        },
        {
            "fileUrl": "https://files-staging.signzy.tech/api/files/5087660/download/71d450abef3a4155980ecb41fb2a49d41c0b832b1ab64819a7f9ebcd1e9t86e5.pdf",
            "password": "Sample@123#"
        }
    ],
    "customerName": "John Doe",
    "statementPeriod": "6m",
    "recencyDate": ""19/02/2026",
    "recencyPeriod": "3m"
    "callbackUrl": "https://f01d3a53-59ff-4c07-b9a6-2417599d581e.mock.pstmn.io",
    "templateId": "template_1"
}'

Input Parameters: Content type application json flow

Parameter	Type	Description	Mandatory/Optional
authToken	String	Authentication Token Generated in the Authenticate API.	Mandatory
files	Array	List of Files that you need analysis on	Mandatory
files[n].fileUrl	String	Bank Statement file URL. “You can generate and pass fileURL by using upload option in API or can pass the S3 bucket url”	Mandatory
files[n].password	String	Password of the file provided	Optional
callbackUrl	String	an open post url where data will be posted	Optional
templateId	String	Custom Template for Report	Optional
customerName	String	Name of the customer which has to be matched with the statement name.	Optional
statementPeriod	String	Period of the statement can be passed as 6m, 30m, 1y, etc.	Optional
recencyDate	String	Users can pass the recency date from where the recency has to be checked. The format should be DD/MM/YYYY	Optional
recencyPeriod	String	User can define the period of recency. For ex: 6m, 3m	Optional

Input Parameters: Content type Form Data Flow

sample input showcase

Parameter	Type	Description	Mandatory/Optional
files	File	Bank statement file selected from system	Mandatory
data	Text	Analysis details in parsable json form example: {"authToken": "eyJhbGciOiJIUzI1NiJ9.eyJhY2Nlc3MiOiJmYWxzZSIsInJvbGVzIjpbI", "files":[{"fileName" :"BS_FED (1).pdf", "password": "provide password if file is password protected" },{"fileName" :"BS_FED (2).pdf"}]}	Mandatory
data.authToken	String	Authentication Token Generated in the Authenticate API.	Mandatory
data.files	Array	List of Files that you need analysis on	Mandatory
data.files[n].fileName	String	fileName of selected file.	Mandatory
data.files[n].password	String	Password of the file provided	Optional
data.callbackUrl	String	an open post url where data will be posted	Optional
data.templateId	String	Custom Template for Report	Optional
customerName	String	Name of the customer which has to be matched with the statement name.	Optional
statementPeriod	String	Period of the statement can be passed as 6m, 3m, 1y, etc.	Optional
recencyDate	String	Users can pass the recency date from where the recency has to be checked. The format should be DD/MM/YYYY	Optional
recencyPeriod	String	User can define the period of recency. For ex: 6m, 3m	Optional

Sample Response:

{
    "report": {
        "reportId": "PR4818638733359423",
        "reportName": "ca9fcfcc-e01a-4d51-9e1c-ca3c37041a9c",
        "reportStatus": "IN PROGRESS",
        "reportStatusDescription": "IN PROGRESS",
        "reportCamStatus": "",
        "reportType": "1",
        "lastUpdatedOn": "2025-06-04 12:24:48",
        "createdOn": "2025-06-04 12:24:48"
    },
    "reportAccounts": [
        {
            "account": {
                "accountId": "1671",
                "accountNumber": "17330200002493",
                "ifscCode": "FDRL0001733",
                "accountType": "2",
                "accountTypeName": "Current Account",
                "bankId": "71",
                "bankName": "Federal Bank",
                "status": "INITIALISING",
                "statusDescription": "INITIALISING",
                "camStatus": "",
                "startDate": "2023-08-03",
                "endDate": "2024-01-30",
                "phoneNumber": "919495966402",
                "jointHolderName": "",
                "accountHolderName": "ZAMBROTTA RETAIL PRIVATE LIMITED",
                "micrCode": "695049022",
                "branchAddress": "",
                "branchName": "",
                "panNumber": "",
                "email": "[email protected]",
                "customerAddress": "D 57 KRISHNA KRIPA PERUR NAGAR, AMBALAMUKKU, , KERALA, INDIA-695005.",
                "accountOpeningDate": "",
                "verifiedAccount": "2",
                "analysisStartDate": "",
                "analysisEndDate": "",
                "analysisPeriod": "",
                "transactionStartDate": "",
                "transactionEndDate": "",
                "currency": "INR",
                "currencyFormat": "##,##,###.##",
                "accountStatus": "",
                "additionalData": {
                    "accountSubType": "Current Account"
                },
                "accountReferenceNumber": "PARN1671",
                "lastModifiedDate": "2025-06-04 06:54:48"
            },
            "fileDetails": {
                "accountId": 1671,
                "accountReferenceNumber": "PARN1671",
                "success": [
                    {
                        "fileId": 4774,
                        "status": "INITIALISING",
                        "originalName": "6c8b3bb67a241c67a420154062fa5db4.pdf",
                        "documentType": "BANK_STATEMENT",
                        "password": "",
                        "creatorName": "",
                        "producerName": "",
                        "statusDescription": ""
                    }
                ],
                "failed": []
            }
        },
        {
            "account": {
                "accountId": "1672",
                "accountNumber": "XXXXXXXX2910",
                "ifscCode": "",
                "accountType": "1",
                "accountTypeName": "Savings Account",
                "bankId": "9",
                "bankName": "ICICI Bank",
                "status": "INITIALISING",
                "statusDescription": "INITIALISING",
                "camStatus": "",
                "startDate": "2022-10-01",
                "endDate": "2022-10-31",
                "phoneNumber": "",
                "jointHolderName": "",
                "accountHolderName": "RESGB",
                "micrCode": "",
                "branchAddress": "",
                "branchName": "",
                "panNumber": "",
                "email": "",
                "customerAddress": "",
                "accountOpeningDate": "",
                "verifiedAccount": "2",
                "analysisStartDate": "",
                "analysisEndDate": "",
                "analysisPeriod": "",
                "transactionStartDate": "",
                "transactionEndDate": "",
                "currency": "INR",
                "currencyFormat": "##,##,###.##",
                "accountStatus": "",
                "additionalData": {
                    "accountSubType": "Savings Account"
                },
                "accountReferenceNumber": "PARN1672",
                "lastModifiedDate": "2025-06-04 06:54:48"
            },
            "fileDetails": {
                "accountId": 1672,
                "accountReferenceNumber": "PARN1672",
                "success": [
                    {
                        "fileId": 4775,
                        "status": "INITIALISING",
                        "originalName": "b7130f4754dc4ec521f6120b20510571.pdf",
                        "documentType": "BANK_STATEMENT",
                        "password": "390401502910",
                        "creatorName": "",
                        "producerName": "",
                        "statusDescription": ""
                    }
                ],
                "failed": []
            }
        }
    ],
    "reportGst": [],
    "reportCreditBureaus": []
}

Output Parameters:

Parameter	Type	Description
report	Object	Contains the overall report information.
report.reportId	String	Unique identifier for the report.
report.reportName	String	The internal name of the report.
report.reportStatus	String	This shows the status of the report. The status of a report changes till it reaches the last status. The possible status for a report can be one of the following IN PROGRESS ANALYSED ANALYSIS ON HOLD
report.reportStatusDescription	String	This shows detailed information about accounts in the report with status. A possible status description for a report can be one of the following IN PROGRESS ANALYSED (X ACCOUNTS) ANALYSED (X OF Y ACCOUNTS) ANALYSIS ON HOLD
report.reportCamStatus	String	This shows the status of the CAM report. Possible CAM status for a report can be one of the following CAM IN PROGRESS CAM READY CAM FAILED
report.reportType	String	Type of report (e.g., "1").
report.lastUpdatedOn	String	Date and time the report was last updated in YYYY-MM-DD HH:MM: SS format.
report.createdOn	String	Date and time the report was created in YYYY-MM-DD HH:MM: SS format.
reportAccounts	Array of Objects	List of accounts included in the report.
reportAccounts[i].account	Object	Details of a specific account.
reportAccounts[i].account.accountId	String	Unique identifier for the account.
reportAccounts[i].account.accountNumber	String	Account number (e.g., "6012XXXXXXX4312").
reportAccounts[i].account.ifscCode	String	The IFSC code of the bank to which the account belongs.
reportAccounts[i].account.accountType	String	Account type code (e.g., "1" for Savings Account, "2" for Current Account).
reportAccounts[i].account.accountTypeName	String	Name of the account type (e.g., "Savings Account").
reportAccounts[i].account.bankId	String	Unique identifier for the bank.
reportAccounts[i].account.bankName	String	Name of the bank (e.g., "State Bank of India").
reportAccounts[i].account.status	String	Status of the created account. The possible status for the account can be the following INITIALISING ANALYSING ANALYSED IN REVIEW NO TRANSACTION ANALYSIS ON HOLD
reportAccounts[i].account.statusDescription	String	Detailed information about the status of the created account with CAM report status. Possible status description for the account can be the following INITIALISING ANALYSING ANALYSED - CAM READY ANALYSED - CAM IN PROGRESS ANALYSED - CAM FAILED IN REVIEW ANALYSIS ON HOLD
reportAccounts[i].account.camStatus	String	Status of the CAM report of an account. Possible CAM status for the account can be the following CAM IN PROGRESS CAM READY CAM FAILED
reportAccounts[i].account.startDate	String	The start date of the account data is included in the report (YYYY-MM-DD).
reportAccounts[i].account.endDate	String	The end date of the account data is included in the report (YYYY-MM-DD).
reportAccounts[i].account.phoneNumber	String	Phone Number extracted from bank statement.
reportAccounts[i].account.jointHolderName	String	Joint account holder name extracted from bank statement.
reportAccounts[i].account.accountHolderName	String	Account holder extracted from bank statement.
reportAccounts[i].account.micrCode	String	MICR code extracted from the bank statement.
reportAccounts[i].account.branchAddress	String	The branch address was extracted from the statement.
reportAccounts[i].account.branchName	String	Branch name extracted from the statement.
reportAccounts[i].account.panNumber	String	Pan number extracted from the statement.
reportAccounts[i].account.email	String	Email address extracted from the statement.
reportAccounts[i].account.customerAddress	String	Customer address extracted from the statement.
reportAccounts[i].account.accountOpeningDate	String	Account opening date extracted from the statement.
reportAccounts[i].account.verifiedAccount	String	Verification status of the account (e.g., "2").
reportAccounts[i].account.analysisStartDate	String	Custom analysis start date.
reportAccounts[i].account.analysisEndDate	String	Custom analysis end date.
reportAccounts[i].account.analysisPeriod	String	Analysis Period of the Bank Statement
reportAccounts[i].account.transactionStartDate	String	Transaction Start Date
reportAccounts[i].account.transactionEndDate	String	Transaction End Date.
reportAccounts[i].account.currency	String	Currency code (e.g., "INR").
reportAccounts[i].account.currencyFormat	String	Format string for displaying currency values (e.g., "##,##,###.##").
reportAccounts[i].account.accountStatus	String	Status of the Account
reportAccounts[i].account.accountReferenceNumber	String	Unique reference number for the account within the report (e.g., "PARN144").
reportAccounts[i].account.lastModifiedDate	Date and time	Last Modified Date of the report
reportAccounts[i].fileDetails	Object	Contains the details about the files associated with each account
reportAccounts[i].fileDetails.accountId	Number	Account id to which the file belongs.
reportAccounts[i].fileDetials.accountReferenceNumber	String	The account reference number to which the file belongs.
reportAccounts[i].fileDetails.success.fileId	Number	Id of the file.
reportAccounts[i].fileDetails.success.status	String	Status of the file. Possible statuses of a file could be INITIALISING PARSING PARSED IN REVIEW NOT PARSABLE NO TRANSACTION
reportAccounts[i].fileDetails.success.originalName	String	The file name of Temporary unlocked pdf version.
reportAccounts[i].fileDetails.success.documentType	String	Type of file uploaded. Possible values could be Bank Statement
reportAccounts[i].fileDetails.success.password	String	The password is provided while creating the account.
reportAccounts[i].fileDetails.success.creatorName	String	Creator of the file uploaded.
reportAccounts[i].fileDetails.success.producerName	String	Producer of the file uploaded.
reportAccounts[i].fileDetails.success.statusDescription	String	Description of file status.
reportAccounts[i].fileDetails.failed.originalName	String	The original name of the file has been uploaded.
reportAccounts[i].fileDetails.failed.errorMessage	String	Error reason for the failure of file. The possible error messages could be 'Password required', 'Incorrect password', or 'Incorrect bank statement'.
reportGst	Array	Contains a list of GST details.
reportCreditBureaus	Array	Contains a list of credit bureau details

Status Codes:

{
    "error": {
        "name": "error",
        "message": "Internal Server Error",
        "status": 500,
        "reason": "ERROR",
        "type": "Internal Server Error",
        "statusCode": 500
    }
}