Sample Co-operative Bank · XXXXXXXX6605
Statement report
- Report id
- stm_01JD47M5HE
- Analysed
- 02 Nov 2026, 12:26 IST
- Source
- joint_acct_h1.pdf
- PDF · 19 pages · 802 KB
- Processing
- 2.8 s
- consent cns_036AM5HE
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 31 places this statement in the low band. Minor indicators were observed (inflow pattern differs from declared profile, burst of round amounts), within the range seen for typical accounts.
Weighted reasons
- 01Inflow pattern differs from declared profileINCOME_MISMATCHw 0.10
Two salary-like credits of different sizes each month
- 02Burst of round amountsROUND_AMOUNT_BURSTw 0.05
6 transfers of ₹25,000 within one afternoon
Extracted
Account details
- Holder
- J•••• & L•••• B•••
- Bank
- Sample Co-operative Bank
- Account no.
- XXXXXXXX6605
- IFSC
- SMPL0002240
- Type
- Savings
- Period
- 01 Apr 2026 to 30 Sep 2026
Parsed totals
Summary
- Transactions
- 404
- Total credits
- ₹8,12,400.00
- Total debits
- ₹7,60,215.00
- Net flow
- ₹52,185.00
- Opening bal.
- ₹1,02,330.00
- Closing bal.
- ₹1,54,515.00
- Avg EOD bal.
- ₹1,18,400.00
- Counterparties
- 88
- Integrity
- 13 / 13 passed
Tamper and consistency
Integrity checks
- 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.
- Page count and sequencePAGE_COUNT
Page numbering is continuous and matches the declared total.
- 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
- 6.42% of inflow
- Avg monthly inflow
- ₹1.4 L
Parsed rows, flagged rows highlighted
Transactions
| Date | Mode | Narration | Debit | Credit | Balance |
|---|---|---|---|---|---|
| 01 Apr 202609:00 | NEFT | NEFT/SALARY/847412792243/EMPLOYER PVT LTD | ₹69,900.00 | ₹1,72,230.00 | |
| 03 Apr 202605:07 | ACH | ACH/EMI/957876626169/HOME LOAN | ₹18,250.00 | ₹1,53,980.00 | |
| 04 Apr 202607:38 | POS | POS/ONLINE MARKETPLACE | ₹2,934.62 | ₹1,51,045.38 | |
| 05 Apr 202615:05 | UPI | UPI/CR/481638507614/upi•••05@okbank | ₹2,851.26 | ₹1,53,896.64 | |
| 06 Apr 202621:50 | UPI | UPI/DR/805745992832/ELECTRICITY BOARD | ₹1,942.73 | ₹1,51,953.91 | |
| 08 Apr 202623:29 | ATM | ATM/WDL/117587450705 | ₹4,000.00 | ₹1,47,953.91 | |
| 10 Apr 202603:12 | UPI | UPI/CR/888621943723/upi•••60@okbank | ₹953.87 | ₹1,48,907.78 | |
| 12 Apr 202601:02 | POS | POS/FUEL STATION | ₹1,964.92 | ₹1,46,942.86 | |
| 12 Apr 202622:02 | POS | POS/MOBILE RECHARGE | ₹2,408.80 | ₹1,44,534.06 | |
| 15 Apr 202600:37 | UPI | UPI/DR/403409531200/MOBILE RECHARGE | ₹158.94 | ₹1,44,375.12 | |
| 16 Apr 202621:22 | UPI | UPI/DR/692825481970/PHARMACY | ₹862.81 | ₹1,43,512.31 | |
| 18 Apr 202620:52 | POS | POS/FUEL STATION | ₹1,606.50 | ₹1,41,905.81 | |
| 20 Apr 202608:47 | UPI | UPI/DR/194476760737/PHARMACY | ₹281.63 | ₹1,41,624.18 | |
| 21 Apr 202607:53 | UPI | UPI/CR/905356999929/upi•••63@okupi | ₹1,463.90 | ₹1,43,088.08 | |
| 22 Apr 202614:46 | UPI | UPI/DR/895217173197/FUEL STATION | ₹2,317.65 | ₹1,40,770.43 |
119 rows in this sample of 119. Full statement has 404 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.