Sample Co-operative Bank · XXXXXXXX4417
Statement report
- Report id
- stm_01JD4Q7Y3W
- Analysed
- 07 Nov 2026, 14:32 IST
- Source
- statement_apr_sep.pdf
- PDF · 38 pages · 1,840 KB
- Processing
- 4.2 s
- consent cns_03EP7Y3W
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 78 places this statement in the high band. The strongest indicators are rapid pass-through and many senders, few beneficiaries. 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
- 01Rapid pass-throughPASS_THROUGHw 0.31
92% of credits leave the account within 30 minutes
- 02Many senders, few beneficiariesMANY_TO_ONEw 0.22
214 distinct UPI senders, 3 recurring beneficiaries
- 03Low residual balanceLOW_RESIDUALw 0.14
Median end-of-day balance below ₹600
- 04Late-night velocityNIGHT_VELOCITYw 0.07
34% of transactions between 23:00 and 05:00 IST
- 05Burst of round amountsROUND_AMOUNT_BURSTw 0.04
41 round-figure credits in 6 clusters of under 2 hours
Extracted
Account details
- Holder
- R•••• K•••• S••••
- Bank
- Sample Co-operative Bank
- Account no.
- XXXXXXXX4417
- IFSC
- SMPL0001234
- Type
- Savings
- Period
- 01 Apr 2026 to 30 Sep 2026
Parsed totals
Summary
- Transactions
- 1,284
- Total credits
- ₹48,21,330.50
- Total debits
- ₹48,09,112.00
- Net flow
- ₹12,218.50
- Opening bal.
- ₹6,411.75
- Closing bal.
- ₹18,630.25
- Avg EOD bal.
- ₹542.10
- Counterparties
- 231
- Integrity
- 11 / 13 passed
Tamper and consistency
Integrity checks
- Font consistencyFONT_CONSISTENCY
Page 4 uses a different font subset for 3 amount cells (font_mismatch_page_4)
- Running balance continuityRUNNING_BALANCE
Balance does not reconcile at row 612: expected ₹21,402.00, printed ₹24,402.00 (running_balance_break_row_612)
- 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.
- 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.
- 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
- 0.25% of inflow
- Avg monthly inflow
- ₹8.0 L
Parsed rows, flagged rows highlighted
Transactions
| Date | Mode | Narration | Debit | Credit | Balance |
|---|---|---|---|---|---|
| 01 Apr 202609:00 | UPI | UPI/CR/248984137922/upi•••25@okaxisROUND_AMOUNT_BURST· Burst of round amounts | ₹2,000.00 | ₹8,411.75 | |
| 01 Apr 202609:06 | UPI | UPI/CR/597627465170/upi•••40@okaxis | ₹8,165.06 | ₹16,576.81 | |
| 01 Apr 202609:12 | UPI | UPI/CR/506306180427/upi•••22@okpayROUND_AMOUNT_BURST· Burst of round amounts | ₹2,000.00 | ₹18,576.81 | |
| 01 Apr 202609:19 | UPI | UPI/CR/602336557302/upi•••73@okaxis | ₹8,893.93 | ₹27,470.74 | |
| 01 Apr 202609:28 | UPI | UPI/CR/810030107805/upi•••19@okbank | ₹7,293.54 | ₹34,764.28 | |
| 01 Apr 202609:44 | IMPS | IMPS/DR/187179853022/acct XXXX7730PASS_THROUGH· Rapid pass-through | ₹27,677.90 | ₹7,086.38 | |
| 11 Apr 202620:53 | UPI | UPI/CR/304779156274/upi•••59@okpay | ₹6,000.00 | ₹13,086.38 | |
| 11 Apr 202620:59 | UPI | UPI/CR/722643417492/upi•••93@okpay | ₹496.98 | ₹13,583.36 | |
| 11 Apr 202621:06 | UPI | UPI/CR/517051346739/upi•••11@okupi | ₹702.06 | ₹14,285.42 | |
| 11 Apr 202621:20 | IMPS | IMPS/DR/314266814570/acct XXXX7730PASS_THROUGH· Rapid pass-through | ₹6,915.55 | ₹7,369.87 | |
| 19 Apr 202602:00 | UPI | UPI/CR/605013308441/upi•••31@okupiNIGHT_VELOCITY· Late-night velocity | ₹706.10 | ₹8,075.97 | |
| 19 Apr 202602:08 | UPI | UPI/CR/109346008952/upi•••41@okaxisNIGHT_VELOCITY· Late-night velocity | ₹1,439.33 | ₹9,515.30 | |
| 19 Apr 202602:14 | UPI | UPI/CR/326759951980/upi•••46@okupiNIGHT_VELOCITY· Late-night velocity | ₹8,728.42 | ₹18,243.72 | |
| 19 Apr 202602:18 | UPI | UPI/CR/424979708157/upi•••17@okupiNIGHT_VELOCITY· Late-night velocity | ₹4,151.40 | ₹22,395.12 | |
| 19 Apr 202602:25 | UPI | UPI/CR/788969728676/upi•••60@okaxisNIGHT_VELOCITY· Late-night velocity | ₹2,000.00 | ₹24,395.12 |
120 rows in this sample of 120. Full statement has 1,284 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.