Statement report

Report id: stm_01JD4B6Q9N
Analysed: 04 Nov 2026, 13:41 IST
Source: statement.xls; XLS · 1 sheet · 188 KB
Processing: 980 ms; consent cns_02JV6Q9N

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

22low

22of 100 · low band

A score of 22 places this statement in the low band. Minor indicators were observed (reactivation after dormancy), within the range seen for typical accounts.

Weighted reasons

01Reactivation after dormancyDORMANT_REACTIVATION
w 0.08
No activity for 5 months before May 2026

Extracted

Account details

Holder: P•••• D•••
Bank: Demo Small Finance Bank
Account no.: XXXXXXXX1290
IFSC: DMSF0000144
Type: Savings
Period: 01 May 2026 to 31 Oct 2026

Parsed totals

Summary

Transactions: 288
Total credits: ₹4,98,200.00
Total debits: ₹4,71,330.00
Net flow: ₹26,870.00
Opening bal.: ₹18,100.00
Closing bal.: ₹44,970.00
Avg EOD bal.: ₹23,800.00
Counterparties: 72
Integrity: 13 / 13 passed

Tamper and consistency

Integrity checks

pass

Metadata and producerPDF_PRODUCER
Not applicable to spreadsheet input (skipped)
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
Not applicable to spreadsheet input (skipped)

Cash flow

Monthly inflow and outflow

InflowOutflow

Tap a month

Retained: 5.39% of inflow
Avg monthly inflow: ₹83.0 K

Parsed rows, flagged rows highlighted

Transactions

Date	Mode	Narration	Debit	Credit	Balance
01 May 202609:00	NEFT	NEFT/SALARY/565933464420/EMPLOYER PVT LTD		₹68,400.00	₹86,500.00
02 May 202608:50	UPI	UPI/DR/449192627938/FUEL STATION	₹1,999.66		₹84,500.34
03 May 202616:19	ACH	ACH/EMI/845851876726/HOME LOAN	₹18,250.00		₹66,250.34
05 May 202607:21	UPI	UPI/DR/470269880047/GROCERY STORE	₹1,430.39		₹64,819.95
06 May 202604:45	UPI	UPI/CR/269841611711/upi•••57@okupi		₹1,114.18	₹65,934.13
08 May 202609:56	POS	POS/ELECTRICITY BOARD	₹1,782.81		₹64,151.32
09 May 202613:20	UPI	UPI/DR/962140601314/FUEL STATION	₹1,648.97		₹62,502.35
11 May 202605:08	UPI	UPI/DR/110468288580/GROCERY STORE	₹1,840.06		₹60,662.29
12 May 202603:24	UPI	UPI/DR/369763064803/ONLINE MARKETPLACE	₹456.34		₹60,205.95
13 May 202601:20	ATM	ATM/WDL/177560994890	₹2,000.00		₹58,205.95
14 May 202609:56	UPI	UPI/DR/295194985182/ELECTRICITY BOARD	₹241.47		₹57,964.48
15 May 202616:43	UPI	UPI/DR/227239201217/ONLINE MARKETPLACE	₹1,809.60		₹56,154.88
16 May 202622:57	ATM	ATM/WDL/345634402218	₹2,000.00		₹54,154.88
18 May 202608:00	UPI	UPI/DR/999736984050/MOBILE RECHARGE	₹1,199.95		₹52,954.93
20 May 202604:01	UPI	UPI/DR/936560207558/GROCERY STORE	₹1,251.01		₹51,703.92

120 rows in this sample of 120. Full statement has 288 parsed transactions (fetch them via the transactions endpoint).

1 / 8

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.