The complete Bank Statement Analyser.
SignalIQ
80% of every bank statement is UPI narrations that legacy parsers can’t read. SignalIQ reads all of it, turning every transaction into a credit insight.
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When data is incomplete, borrowers are misunderstood. SignalIQ closes the gap.
Precision underwriting
Underwrite smarter with AI-powered granular categorisation.
Income is more than just salary
Salary is easy. But true repayment capacity depends on all income sources. SignalIQ captures it all from the source.
Obligations that break FOIR are the hardest to find
SignalIQ captures every obligation from EMIs to UPI mandates, delivering a FOIR that can be trusted.
The signal is in the patterns
Infrastructure-grade AI recognises patterns and uncovers signals other BSAs miss, revealing risk and stability when it matters most.
Predictive Collections
Predict cash flow stress with early warning signals and collect before a default.
Predict defaults before they happen
SignalIQ surfaces pre-delinquency patterns missed by conventional BSAs - action happens before default, not after.
Personalised cross-sell
Predict cash flow stress with early warning signals and collect before a default.
Cross-sell that actually sells
Leverage real payment behaviour for offers aligned with how customers actually spend.
Common questions
FAQs
What is SignalIQ and what problem does it solve in underwriting?
SignalIQ is a bank statement analyser that can read unstructured UPI narrations that comprise 80% of the modern Indian bank statement. It converts transaction narratives into structured credit insights. Most underwriting decisions today are made on partial data, because a large part of financial behaviour sits in unstructured UPI transactions which legacy parsers cannot read. SignalIQ closes that gap by decoding inflows and outflows to give you a complete, decision-ready view of income, obligations, and risk.
How does SignalIQ improve approvals?
Approvals improve when creditworthy customers are not rejected. SignalIQ identifies legitimate income streams that are often missed, like UPI salary credits, freelance payments, rental income, dividend payouts, or business inflows. It also captures positive behavioural signals like consistent savings or disciplined spending. This ensures you approve customers who would otherwise be declined due to incomplete visibility.
How does SignalIQ help reduce NPAs and detect risk early?
SignalIQ surfaces early warning signals that are typically missed. This includes frequent low-balance or cash stress patterns, irregular income behaviour, and bounce history beyond formal EMI bounces. By capturing these from the full transaction set, SignalIQ helps flag risk before it shows up in bureau data or defaults.
Can SignalIQ work for thin-file or new-to-credit customers?
Yes, SignalIQ decodes the bank statement to reveal secondary income sources like freelance payments, rent, or business inflows. It shows stability through consistent rent payments, utilities, and recurring spends. It reflects savings behaviour through SIPs, deposits, and investments. It also highlights clean behaviour through the absence of bounces, penalties, or stress signals. This allows you to underwrite customers who would otherwise be excluded due to lack of credit history.