Example National Bank · XXXXXXXX2017
Statement report
- Report id
- stm_01JD45C1ZA
- Analysed
- 01 Nov 2026, 17:55 IST
- Source
- shop_current_acct.pdf
- PDF · 44 pages · 2,210 KB
- Processing
- 6.0 s
- consent cns_0676C1ZA
Indicators only. Not a determination of fraud or mule activity. Scores summarise statistical patterns in the statement and must be combined with your own due diligence before any decision.
Suspicious activity indicators
Risk score
A score of 58 places this statement in the medium band. Some indicators were observed, chiefly split cash deposits and fan-out of debits. Consider reviewing the flagged rows alongside the applicant's declared profile.
Weighted reasons
- 01Split cash depositsCASH_SPLIT_DEPOSITSw 0.19
14 cash deposits between ₹45,000 and ₹49,500 in October
- 02Fan-out of debitsONE_TO_MANYw 0.12
Payouts to 340 beneficiaries, 71% under ₹5,000
- 03Late-night velocityNIGHT_VELOCITYw 0.07
15% of transactions between 23:00 and 05:00 IST
Extracted
Account details
- Holder
- R•••• E••••••••• (Firm)
- Bank
- Example National Bank
- Account no.
- XXXXXXXX2017
- IFSC
- EXNB0003302
- Type
- Current
- Period
- 01 May 2026 to 31 Oct 2026
Parsed totals
Summary
- Transactions
- 3,120
- Total credits
- ₹61,20,900.00
- Total debits
- ₹60,51,220.00
- Net flow
- ₹69,680.00
- Opening bal.
- ₹2,10,500.00
- Closing bal.
- ₹2,80,180.00
- Avg EOD bal.
- ₹1,42,900.00
- Counterparties
- 2,210
- Integrity
- 12 / 13 passed
Tamper and consistency
Integrity checks
- Page count and sequencePAGE_COUNT
Footer says 45 pages, 44 received
- Metadata and producerPDF_PRODUCER
PDF producer/creator matches the issuing bank's known generators; flags consumer editors.
- Edit timestampMODIFIED_AFTER_CREATE
Modification date is not later than creation date.
- Font consistencyFONT_CONSISTENCY
Glyph sets and font objects are consistent across rows and pages.
- Text layer presentTEXT_LAYER
Statement has a native text layer, not only scanned images.
- Layout matches bank templateTEMPLATE_MATCH
Column layout, headers and footers match the issuing bank's format.
- Running balance continuityRUNNING_BALANCE
Each row's balance equals the previous balance plus credit minus debit.
- Opening and closing totalsOPENING_CLOSING
Opening balance plus net movement equals the closing balance.
- Date orderDATE_ORDER
Transaction dates are monotonic and fall inside the statement period.
- Duplicate transaction IDsDUPLICATE_TXN_ID
Reference numbers (UTR/RRN) are not repeated across rows.
- Summary arithmeticARITHMETIC_TOTALS
Printed totals equal the sum of parsed rows.
- IFSC and branchIFSC_VALID
IFSC format is valid and consistent with the bank name on the statement.
- Digital signatureDIGITAL_SIGNATURE
Embedded signature, when present, validates and covers the whole document.
Cash flow
Monthly inflow and outflow
- Retained
- 1.14% of inflow
- Avg monthly inflow
- ₹10.2 L
Parsed rows, flagged rows highlighted
Transactions
| Date | Mode | Narration | Debit | Credit | Balance |
|---|---|---|---|---|---|
| 01 May 202609:00 | UPI | UPI/CR/789214363950/upi•••05@okupi | ₹3,326.37 | ₹2,13,826.37 | |
| 02 May 202605:44 | UPI | UPI/CR/572643966437/upi•••12@okaxis | ₹191.38 | ₹2,14,017.75 | |
| 02 May 202622:35 | NEFT | NEFT/DR/809106701612/SUPPLIER DISTRIBUTORSMANY_TO_ONE· Many senders, few beneficiaries | ₹11,713.47 | ₹2,02,304.28 | |
| 04 May 202619:45 | UPI | UPI/CR/745919445645/upi•••30@okaxis | ₹281.35 | ₹2,02,585.63 | |
| 05 May 202609:43 | UPI | UPI/CR/978977277199/upi•••29@okupi | ₹2,632.26 | ₹2,05,217.89 | |
| 06 May 202604:25 | UPI | UPI/CR/660540939890/upi•••13@okbankNIGHT_VELOCITY· Late-night velocity | ₹1,029.33 | ₹2,06,247.22 | |
| 07 May 202605:57 | UPI | UPI/CR/188314626715/upi•••67@okaxis | ₹571.35 | ₹2,06,818.57 | |
| 07 May 202619:52 | UPI | UPI/CR/165105475042/upi•••00@okpay | ₹1,075.02 | ₹2,07,893.59 | |
| 08 May 202607:30 | UPI | UPI/CR/315267772856/upi•••00@okaxis | ₹966.81 | ₹2,08,860.40 | |
| 08 May 202617:06 | IMPS | IMPS/DR/781939611071/acct XXXX7730PASS_THROUGH· Rapid pass-through | ₹24,194.12 | ₹1,84,666.28 | |
| 10 May 202610:28 | UPI | UPI/CR/666915911599/upi•••46@okbank | ₹1,417.67 | ₹1,86,083.95 | |
| 11 May 202605:35 | UPI | UPI/CR/403846745309/upi•••34@okbank | ₹732.16 | ₹1,86,816.11 | |
| 12 May 202606:11 | IMPS | IMPS/DR/560926799010/acct XXXX7730 | ₹22,062.65 | ₹1,64,753.46 | |
| 13 May 202602:35 | UPI | UPI/CR/529622515686/upi•••14@okaxisNIGHT_VELOCITY· Late-night velocity | ₹3,145.66 | ₹1,67,899.12 | |
| 13 May 202618:24 | UPI | UPI/CR/936400648183/upi•••00@okbank | ₹1,246.89 | ₹1,69,146.01 |
120 rows in this sample of 120. Full statement has 3,120 parsed transactions (fetch them via the transactions endpoint).
Indicators only. Not a determination of fraud or mule activity. Scores summarise statistical patterns in the statement and must be combined with your own due diligence before any decision.