Placeholder Bank · XXXXXXXX3068
Statement report
- Report id
- stm_01JD4H5T1C
- Analysed
- 06 Nov 2026, 09:12 IST
- Source
- stmt_export.pdf
- PDF · 22 pages · 990 KB
- Processing
- 5.3 s
- consent cns_07N25T1C
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 84 places this statement in the high band. The strongest indicators are high volume soon after opening 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
- 01High volume soon after openingNEW_ACCOUNT_HIGH_VOLUMEw 0.26
Account opened 2026-06-18; ₹29.5 L turnover in 4 months
- 02Rapid pass-throughPASS_THROUGHw 0.24
88% of credits leave within 45 minutes
- 03Low residual balanceLOW_RESIDUALw 0.16
Median end-of-day balance ₹380
- 04Fan-out of debitsONE_TO_MANYw 0.09
Debits to 117 distinct beneficiaries
Extracted
Account details
- Holder
- S•••• P••••
- Bank
- Placeholder Bank
- Account no.
- XXXXXXXX3068
- IFSC
- PLHB0002290
- Type
- Savings
- Period
- 01 Jul 2026 to 31 Oct 2026
Parsed totals
Summary
- Transactions
- 940
- Total credits
- ₹29,50,220.00
- Total debits
- ₹29,47,004.00
- Net flow
- ₹3,216.00
- Opening bal.
- ₹1,200.00
- Closing bal.
- ₹4,416.00
- Avg EOD bal.
- ₹380.00
- Counterparties
- 402
- Integrity
- 9 / 13 passed
Tamper and consistency
Integrity checks
- Metadata and producerPDF_PRODUCER
Producer is a consumer PDF editor, not the bank's statement generator
- Edit timestampMODIFIED_AFTER_CREATE
Modified 41 days after creation
- Font consistencyFONT_CONSISTENCY
Two font families in the amount column on pages 3, 9 and 17
- Digital signatureDIGITAL_SIGNATURE
No embedded signature (this bank normally signs e-statements)
- 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.
Cash flow
Monthly inflow and outflow
- Retained
- 0.11% of inflow
- Avg monthly inflow
- ₹7.4 L
Parsed rows, flagged rows highlighted
Transactions
| Date | Mode | Narration | Debit | Credit | Balance |
|---|---|---|---|---|---|
| 02 Jul 202600:00 | UPI | UPI/CR/509332039300/upi•••46@okbankNIGHT_VELOCITY· Late-night velocity | ₹7,000.00 | ₹8,200.00 | |
| 02 Jul 202600:09 | UPI | UPI/CR/772903460124/upi•••48@okupiNIGHT_VELOCITY· Late-night velocity | ₹5,457.62 | ₹13,657.62 | |
| 02 Jul 202600:19 | UPI | UPI/CR/842644151300/upi•••95@okpayNIGHT_VELOCITY· Late-night velocity | ₹2,470.39 | ₹16,128.01 | |
| 02 Jul 202600:27 | UPI | UPI/CR/382436925685/upi•••47@okaxisNIGHT_VELOCITY· Late-night velocity | ₹782.09 | ₹16,910.10 | |
| 02 Jul 202600:33 | UPI | UPI/CR/783085987623/upi•••78@okaxisNIGHT_VELOCITY· Late-night velocity | ₹6,000.00 | ₹22,910.10 | |
| 02 Jul 202600:54 | IMPS | IMPS/DR/717720642359/benf•••09@yblMANY_TO_ONE· Many senders, few beneficiaries | ₹20,242.85 | ₹2,667.25 | |
| 08 Jul 202601:00 | UPI | UPI/CR/175615601683/upi•••18@okupiNIGHT_VELOCITY· Late-night velocity | ₹4,000.00 | ₹6,667.25 | |
| 08 Jul 202601:08 | UPI | UPI/CR/417154796072/upi•••21@okupiNIGHT_VELOCITY· Late-night velocity | ₹1,754.26 | ₹8,421.51 | |
| 08 Jul 202601:16 | UPI | UPI/CR/251188284880/upi•••76@okupiNIGHT_VELOCITY· Late-night velocity | ₹4,801.95 | ₹13,223.46 | |
| 08 Jul 202601:18 | UPI | UPI/CR/713564778049/upi•••24@okaxisNIGHT_VELOCITY· Late-night velocity | ₹5,940.84 | ₹19,164.30 | |
| 08 Jul 202601:25 | UPI | UPI/CR/814474020409/upi•••08@okaxisNIGHT_VELOCITY· Late-night velocity | ₹4,000.00 | ₹23,164.30 | |
| 08 Jul 202601:48 | IMPS | IMPS/DR/819992621452/benf•••21@okbankPASS_THROUGH· Rapid pass-through | ₹19,414.23 | ₹3,750.07 | |
| 12 Jul 202600:26 | UPI | UPI/CR/579018971044/upi•••51@okaxisNIGHT_VELOCITY· Late-night velocity | ₹4,228.51 | ₹7,978.58 | |
| 12 Jul 202600:34 | UPI | UPI/CR/112040314311/upi•••45@okbankNIGHT_VELOCITY· Late-night velocity | ₹4,470.82 | ₹12,449.40 | |
| 12 Jul 202601:03 | IMPS | IMPS/DR/737357660755/acct XXXX7730MANY_TO_ONE· Many senders, few beneficiaries | ₹8,194.95 | ₹4,254.45 |
120 rows in this sample of 120. Full statement has 940 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.