Placeholder Bank · XXXXXXXX8841
Statement report
- Report id
- stm_01JD49X2LS
- Analysed
- 03 Nov 2026, 21:18 IST
- Source
- upi_statement_jun_oct.pdf
- PDF · 31 pages · 1,520 KB
- Processing
- 4.6 s
- consent cns_054QX2LS
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 71 places this statement in the high band. The strongest indicators are many senders, few beneficiaries and rapid pass-through. These patterns are common in accounts that warrant a closer manual review; they also occur in some legitimate businesses, so treat them as prompts for questions, not as conclusions.
Weighted reasons
- 01Many senders, few beneficiariesMANY_TO_ONEw 0.24
180 distinct UPI senders, 2 recurring beneficiaries
- 02Rapid pass-throughPASS_THROUGHw 0.21
76% of credits leave within 1 hour
- 03Low residual balanceLOW_RESIDUALw 0.11
Median end-of-day balance ₹910
Extracted
Account details
- Holder
- N•••• G••••
- Bank
- Placeholder Bank
- Account no.
- XXXXXXXX8841
- IFSC
- PLHB0000371
- Type
- Savings
- Period
- 01 Jun 2026 to 31 Oct 2026
Parsed totals
Summary
- Transactions
- 1,102
- Total credits
- ₹18,40,330.00
- Total debits
- ₹18,32,960.00
- Net flow
- ₹7,370.00
- Opening bal.
- ₹9,050.00
- Closing bal.
- ₹16,420.00
- Avg EOD bal.
- ₹910.00
- Counterparties
- 288
- Integrity
- 12 / 13 passed
Tamper and consistency
Integrity checks
- Duplicate transaction IDsDUPLICATE_TXN_ID
UTR 4127••••0931 appears on two rows (page 18)
- 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.
- 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
- 0.40% of inflow
- Avg monthly inflow
- ₹3.7 L
Parsed rows, flagged rows highlighted
Transactions
| Date | Mode | Narration | Debit | Credit | Balance |
|---|---|---|---|---|---|
| 01 Jun 202609:00 | UPI | UPI/CR/446222373773/upi•••89@okpayROUND_AMOUNT_BURST· Burst of round amounts | ₹8,000.00 | ₹17,050.00 | |
| 01 Jun 202609:06 | UPI | UPI/CR/764645021548/upi•••73@okbank | ₹1,021.67 | ₹18,071.67 | |
| 01 Jun 202609:11 | UPI | UPI/CR/454372304212/upi•••95@okpayROUND_AMOUNT_BURST· Burst of round amounts | ₹2,000.00 | ₹20,071.67 | |
| 01 Jun 202609:28 | IMPS | IMPS/DR/736536769219/benf•••21@okbankPASS_THROUGH· Rapid pass-through | ₹10,192.10 | ₹9,879.57 | |
| 09 Jun 202602:00 | UPI | UPI/CR/575355433742/upi•••89@okupiNIGHT_VELOCITY· Late-night velocity | ₹8,025.27 | ₹17,904.84 | |
| 09 Jun 202602:06 | UPI | UPI/CR/423573325597/upi•••11@okupiNIGHT_VELOCITY· Late-night velocity | ₹8,183.26 | ₹26,088.10 | |
| 09 Jun 202602:16 | UPI | UPI/CR/167108411691/upi•••37@okaxisNIGHT_VELOCITY· Late-night velocity | ₹3,000.00 | ₹29,088.10 | |
| 09 Jun 202602:19 | UPI | UPI/CR/390873847459/upi•••33@okupiNIGHT_VELOCITY· Late-night velocity | ₹1,000.00 | ₹30,088.10 | |
| 09 Jun 202602:45 | IMPS | IMPS/DR/693993513169/acct XXXX7730MANY_TO_ONE· Many senders, few beneficiaries | ₹19,382.18 | ₹10,705.92 | |
| 09 Jun 202603:45 | POS | POS/PHARMACY | ₹125.02 | ₹10,580.90 | |
| 16 Jun 202603:35 | UPI | UPI/CR/662955656810/upi•••08@okbankNIGHT_VELOCITY· Late-night velocity | ₹8,675.04 | ₹19,255.94 | |
| 16 Jun 202603:43 | UPI | UPI/CR/842822839436/upi•••43@okpayNIGHT_VELOCITY· Late-night velocity | ₹3,760.90 | ₹23,016.84 | |
| 16 Jun 202603:45 | UPI | UPI/CR/140177813614/upi•••97@okupiNIGHT_VELOCITY· Late-night velocity | ₹7,416.00 | ₹30,432.84 | |
| 16 Jun 202603:53 | UPI | UPI/CR/725442415126/upi•••60@okbankNIGHT_VELOCITY· Late-night velocity | ₹4,279.49 | ₹34,712.33 | |
| 16 Jun 202604:02 | UPI | UPI/CR/544263379997/upi•••01@okupiNIGHT_VELOCITY· Late-night velocity | ₹4,177.60 | ₹38,889.93 |
118 rows in this sample of 118. Full statement has 1,102 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.