Example National Bank · XXXXXXXX4402
Statement report
- Report id
- stm_01JD4D8W4P
- Analysed
- 05 Nov 2026, 10:02 IST
- Source
- 6m_statement_protected.pdf
- PDF · 27 pages · 1,310 KB
- Processing
- 3.9 s
- consent cns_049D8W4P
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 44 places this statement in the medium band. Some indicators were observed, chiefly rapid pass-through and circular flow. Consider reviewing the flagged rows alongside the applicant's declared profile.
Weighted reasons
- 01Rapid pass-throughPASS_THROUGHw 0.14
41% of credits leave within 2 hours
- 02Circular flowCIRCULAR_FLOWw 0.10
₹3.2 L sent to and returned from the same counterparty within 6 days
- 03Late-night velocityNIGHT_VELOCITYw 0.06
11% of transactions between 23:00 and 05:00 IST
Extracted
Account details
- Holder
- V•••• R•••••
- Bank
- Example National Bank
- Account no.
- XXXXXXXX4402
- IFSC
- EXNB0001187
- Type
- Current
- Period
- 01 Apr 2026 to 30 Sep 2026
Parsed totals
Summary
- Transactions
- 1,730
- Total credits
- ₹22,10,800.00
- Total debits
- ₹21,98,410.00
- Net flow
- ₹12,390.00
- Opening bal.
- ₹44,320.00
- Closing bal.
- ₹56,710.00
- Avg EOD bal.
- ₹22,180.00
- Counterparties
- 980
- Integrity
- 12 / 13 passed
Tamper and consistency
Integrity checks
- Date orderDATE_ORDER
3 rows on page 12 are out of chronological order
- 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.
- 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
- 0.56% of inflow
- Avg monthly inflow
- ₹3.7 L
Parsed rows, flagged rows highlighted
Transactions
| Date | Mode | Narration | Debit | Credit | Balance |
|---|---|---|---|---|---|
| 01 Apr 202609:00 | UPI | UPI/CR/184514813078/upi•••03@okupi | ₹322.97 | ₹44,642.97 | |
| 02 Apr 202605:40 | UPI | UPI/CR/211626720521/upi•••74@okupi | ₹2,455.72 | ₹47,098.69 | |
| 02 Apr 202623:39 | CASH | CASH DEP/BRANCH | ₹80,000.00 | ₹1,27,098.69 | |
| 05 Apr 202603:43 | UPI | UPI/CR/880711549846/upi•••55@okaxisNIGHT_VELOCITY· Late-night velocity | ₹894.30 | ₹1,27,992.99 | |
| 06 Apr 202603:47 | NEFT | NEFT/DR/239376480528/SUPPLIER TRADERS | ₹23,133.37 | ₹1,04,859.62 | |
| 08 Apr 202608:08 | NEFT | NEFT/DR/382817584997/SUPPLIER DISTRIBUTORS | ₹21,572.78 | ₹83,286.84 | |
| 09 Apr 202623:10 | CASH | CASH DEP/BRANCH | ₹40,000.00 | ₹1,23,286.84 | |
| 11 Apr 202613:11 | UPI | UPI/CR/428902743104/upi•••71@okaxis | ₹1,708.35 | ₹1,24,995.19 | |
| 12 Apr 202608:01 | UPI | UPI/CR/886202932754/upi•••71@okupi | ₹929.29 | ₹1,25,924.48 | |
| 12 Apr 202623:14 | IMPS | IMPS/DR/333368815039/acct XXXX7730 | ₹22,372.53 | ₹1,03,551.95 | |
| 14 Apr 202613:31 | UPI | UPI/CR/768571343040/upi•••35@okbank | ₹1,053.09 | ₹1,04,605.04 | |
| 15 Apr 202604:05 | NEFT | NEFT/DR/185004987404/SUPPLIER DISTRIBUTORS | ₹21,916.03 | ₹82,689.01 | |
| 17 Apr 202617:52 | UPI | UPI/CR/886552141280/upi•••56@okpay | ₹2,157.84 | ₹84,846.85 | |
| 18 Apr 202611:16 | UPI | UPI/CR/608036651276/upi•••90@okpay | ₹1,046.88 | ₹85,893.73 | |
| 18 Apr 202622:28 | UPI | UPI/CR/105406762985/upi•••88@okupi | ₹2,167.53 | ₹88,061.26 |
120 rows in this sample of 120. Full statement has 1,730 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.