Underwrite from the numbers you already have.

Nodalica reads bank statements and credit bureau reports the way a careful analyst would — every inflow, every obligation, every anomaly — then hands your team a decision it can explain.

Request a demo See how it works

Live in two weeks. It runs on the statements and bureau reports you already collect, with no change to your borrower journey.

aurora_current_acct_q1.pdf

Avg monthly inflow

₹43.1 L

Avg balance

₹18.4 L

Returned payments

Months analysed

Closing balance, six months+48.4%

Jan

Feb

Mar

Apr

May

Jun

Sample transaction rows with flagged anomalies
Date	Narration	Amount
02 Apr	UPI · Swiggy Ltd	−₹1.2K
05 Apr	NEFT · Kaveri Packaging	−₹2.1 L
11 Apr	RTGS · Northline Retail	+₹14.6 L
18 Apr	EMI · Term loan 8827	−₹86.4K
27 Apr	Cash deposit · Branch 0042 Round-number inflow Single ₹9.0 L cash slip with no matching invoice.	+₹9 L
06 May	NACH · EMI return Missed obligation Mandate returned for insufficient funds on a ₹18,400 EMI.	−₹18.4K
14 May	NEFT · Payroll — 24 staff	−₹6.4 L
02 Jun	RTGS · Northline Retail Customer concentration Northline Retail is 61% of all credits in the period.	+₹11.2 L

3 signals need a human lookparsed in 4.1s

Most files stall in the same place.

Someone has to read a hundred pages of statements and a bureau report, then write down what they think. Nodalica does that reading, shows its working, and puts the finding where your process already ends.

Every bank, one clean ledger.

Bank Statement Analyzer

Upload statements as PDF, CSV or XLSX — including password-protected files from cooperative and private banks. Nodalica reconciles the formats, separates genuine trading flow from transfers between the borrower's own accounts, and reports income, obligations and the anomalies an analyst would circle in red.

Reads: PDF, CSV, XLSX, password-protected files
Coverage: Up to 24 months per account
Detects: Round-number inflows, circular transfers, EMI returns, concentration
Returns: Structured JSON, webhook, or CSV for your LOS

The report, read properly.

Bureau Analyzer

Nodalica parses CIBIL, Experian and CRIF reports into the handful of facts that actually move a decision — live obligations, enquiry velocity, utilisation, and payment history — then writes the reason in plain language your credit note can carry.

Reads: CIBIL, Experian, CRIF · single or batch
Reports: Score band, tradelines, DPD history, enquiry pattern
Writes: Decline and approval reasons in plain English
Returns: Structured JSON plus a credit-note summary

Also in the suite

Income Intelligence

Reconciles declared income against what actually lands in the account, and shows you the gap before disbursal.

Obligation Graph

Maps every EMI, NACH mandate and lender against the applicant, so hidden debt surfaces before it becomes a bounce.

Portfolio Monitor

Re-runs the same analysis on live borrowers every month and alerts you when a balance trend breaks.

Policy Studio

Your credit policy as editable rules — thresholds, weightings and override reasons, versioned like code.

From a folder of PDFs to a credit note.

Four steps, about forty seconds for a typical SME file. Your analysts keep the judgement calls; Nodalica takes the reading.

01
Collect
Drop files into the dashboard, upload a folder, or connect the API. Passwords and mixed formats are handled.
02
Normalize
Every bank lays out a statement differently. Nodalica reconciles them into one ledger with consistent categories.
03
Analyse
Income, obligations, anomalies and bureau history are scored against your policy, not a generic model.
04
Decide
Your team sees the signal, the evidence behind it, and a decision they can defend to an auditor.

Underwriting teams already on Nodalica

14.2M statements read · 38 lenders

Northline RetailRetail finance
Aurora FoodsFMCG lending
Vantage LogisticsSupply chain
Meridian HealthHealthcare NBFC
Kestrel MotorsAuto loans
Bluepeak TextilesMSME credit
Sable & Co.Wealth advisory
Orchard PharmaWorking capital

Built for regulated lending.

A credit decision is a document. Everything Nodalica does is designed to survive a review — by your risk committee, by an auditor, or by a regulator asking how you arrived at a number.

DPDP-ready consent handling. Data processing agreement available on request.

Encryption end to end

TLS in transit and AES-256 at rest. Statement files are processed in an isolated job and deleted on the schedule you set.

Access you control

Role-based permissions, per-team scoping, and SSO on the enterprise plan. Nobody sees a file they were not granted.

A record of every read

Each analysis is versioned with the model, the inputs and any analyst override, so a decision can be reconstructed months later.

Your data stays yours

Processing happens in Indian regions and customer files are never used to train models shared with other lenders.

One API, both analyzers.

Send a file URL and a policy name. Get back a decision, a score, and the signals with their evidence. Sandbox keys work against sample files from the first afternoon, and every response is the same shape whether it came from a statement or a bureau report.

POST: /v1/statements/analyse
POST: /v1/bureau/analyse
GET: /v1/analyses/{id}
POST: /v1/webhooks

Full reference at docs.nodalica.com, or ask us for a walkthrough.

analyse.sh

curl -X POST https://api.nodalica.com/v1/statements/analyse \
  -H "Authorization: Bearer $NODALICA_KEY" \
  -d '{
    "file_url": "https://files.acme.in/aurora_q1.pdf",
    "password": "AUR-2214",
    "months": 6,
    "policy": "sme_working_capital"
  }'

200 OK in 4.1s

{
  "decision": "review",
  "score": 61,
  "signals": [
    { "code": "round_cash_inflow",
      "weight": "high",
      "evidence": "9.0L cash on 27 Apr, no invoice" },
    { "code": "customer_concentration",
      "weight": "medium",
      "evidence": "Northline Retail = 61% of credits" }
  ],
  "turnaround_ms": 4120
}

Tell us what is slowing the file down.

Most conversations start with a sample file. Send us one statement and one bureau report, and we will show you what Nodalica returns — before you commit to anything.

Email: [email protected]
Phone: +91 120 4718 2200
Office: Sector 62, Noida 201309
Hours: Mon–Fri, 9:30–18:30 IST