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Bank Statement Analysis
AI reads and categorizes every transaction in bank statements — identifying salary credits, business income, EMI debits, cash deposits, and irregular patterns that indicate repayment risk.
AI Underwriting Copilot for Lenders
An AI co-pilot that reads bank statements, identifies income patterns for salaried and self-employed borrowers, flags red flags, and outputs repayment capacity scores — reducing manual review time from hours to minutes.
Traditional underwriting in India's NBFC sector relies heavily on manual CA review — each file taking 2–4 hours of analyst time. For self-employed borrowers with irregular income, the process is even more challenging. Evitar's underwriting copilot uses advanced NLP and financial analysis AI to read bank statements, classify income sources, detect patterns, flag anomalies, and generate structured underwriting outputs — enabling faster, more consistent credit decisions.
Capabilities
What AI Underwriting Copilot delivers
02
Income Pattern Recognition
Specialized models for self-employed borrower income analysis — identifying seasonal patterns, business cycles, and income stability metrics that traditional scoring misses.
03
Red Flag Detection
Automated identification of round-tripping, circular transactions, unusual cash deposits, and other patterns that indicate credit risk — dramatically reducing fraud in the lending pipeline.
04
Repayment Capacity Scoring
AI generates a structured repayment capacity score based on income stability, expense ratios, existing obligations, and behavioral patterns — providing a consistent underwriting framework.
05
Multi-Document Analysis
Beyond bank statements: AI analyzes ITR, GST returns, and business financial statements to build a comprehensive borrower profile for credit decisioning.
06
Analyst Assist Mode
Rather than replacing underwriters, the copilot presents findings, highlights concerns, and suggests decisions — allowing human analysts to review and approve faster with better information.
Why teams choose AI Underwriting Copilot
Reduce underwriting time from hours to minutes per file
Consistent credit decisions across all underwriters
Better risk assessment for self-employed borrowers
Automated red flag detection reduces fraud in the pipeline
Process more applications without adding analyst headcount
Comprehensive audit trail for regulatory compliance
Frequently asked questions
Ready to deploy AI Underwriting Copilot?
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