Step 2
Bank Statement Analyzer
CSV/Excel statement upload karein — 6 month aur 12 month dono ka full analysis milega including bounce history.
CSV Format: Date, Description, Debit, Credit, Balance columns hone chahiye.
Demo data load karein
Bank Statement Drop Karein
CSV / Excel / PDF — Click karein ya drag & drop
CSV
XLSX
PDF
Net Banking Export
✍️ Manual Balance Entry
Ya File Upload Ki Jagah
Agar statement upload nahi kar sakte to yahan har mahine ki 5 tarikh ka balance manually dalein. Dono column (1 Saal / 2 Saal) alag-alag bharen.
📅 1 Saal Ki Entries
12 Mahine
Har mahine ki koi bhi 5 tarikh ka balance dalein
📌 Note: Agar 5/10/15/20/25/30 tarikh ko koi transaction nahi tha, to us tarikh se pehle ki aakhri entry ka balance us cell mein daal dein. Udaharan: 5 tarikh pe transaction nahi hai, statement mein 5 se pehle ki aakhri date 2 hai — to 2 tarikh ka balance 5 wale box mein bharein. Isi tarah 10 pe transaction nahi hai to 10 se pehle ki jo aakhri date hai uska balance 10 wale box mein likhen.
| Mahina | 5 Tarikh | 10 Tarikh | 15 Tarikh | 20 Tarikh | 25 Tarikh | 30 Tarikh |
|---|
Average Monthly Balance
₹ —
Entries bharne par average dikhe ga
📅 6 Mahine Ki Entries
6 Mahine
Pichle 6 mahine ka balance dalein (5 tarikh)
📌 Note: Agar 5/10/15/20/25/30 tarikh ko koi transaction nahi tha, to us tarikh se pehle ki aakhri entry ka balance us cell mein daal dein. Udaharan: 5 tarikh pe transaction nahi hai, statement mein 5 se pehle ki aakhri date 2 hai — to 2 tarikh ka balance 5 wale box mein bharein. Isi tarah 10 pe transaction nahi hai to 10 se pehle ki jo aakhri date hai uska balance 10 wale box mein likhen.
| Mahina | 5 Tarikh | 10 Tarikh | 15 Tarikh | 20 Tarikh | 25 Tarikh | 30 Tarikh |
|---|
Average Monthly Balance
₹ —
Entries bharne par average dikhe ga
Step 2
Free CIBIL Score Check
PNB ke through free mein CIBIL score check karein. Neeche form fill karein. 🏦 Trusted by PNB Gov Bank
📋 Applicant Details
PNB Form
How It Works
1
Fill the Form
Enter your PAN, mobile & address details
2
Verify OTP
Enter the OTP sent to your mobile number
3
Get Your CIBIL Score
Real-time score fetched from TransUnion
4
Analysis Complete
Import score here and proceed with full analysis
✅ PNB Free CIBIL Benefits
🆓 Bilkul Free — koi charge nahi
📊 Full CIBIL Report milti hai
🔒 100% Secure — PNB authorized
⚡ Instant Score — 2 minute mein
📱 OTP-based verification
ℹ️ Demo Mode: GST data GSTN portal se verify hota hai. ITR data Income Tax Department India se fetch hota hai.
Step 3
GST & ITR Verification
Business loans ke liye GST verify karein. Salaried ke liye ITR sufficient hai.
🧾 GST Verification Business Loan
📑 ITR Income Analysis 2 Saal
📅 Assessment Years Select Karein
| Item | FY 2023-24 (Year 2024) |
FY 2024-25 (Year 2025) |
|---|---|---|
| 📥 Gross Income (₹) | ||
| 💸 Tax Paid (₹) | ||
| ✅ Net Income (₹) | — | — |
📊
GST Profit & Loss Calculator
Sale aur Purchase ke aadhar par net profit/loss nikale
| Mahina | Sale (₹) Taxable Sales |
Purchase (₹) Taxable Purchases |
Kharcha (₹) Overheads/Expenses |
Gross Profit Sale − Purchase |
Net Profit/Loss Gross − Kharcha |
|---|
Total Sale
₹ —
Total Purchase
₹ —
Gross Profit
₹ —
Net Profit / Loss
₹ —
Net Profit Margin
—
Step 4
Loan Eligibility Calculator
Income aur parameters adjust karke instant eligibility dekhein.
✍️ Manual:
₹
EMI Obligation (% of Income)
50%
Existing EMI ÷ Monthly Income × 100
Max EMI Allowed
₹40,000
Available EMI
₹31,500
Eligible Loan Amount
₹11.2L
Monthly Income ₹80,000
Max EMI Allowed ₹40,000
Existing EMIs ₹8,500
Available EMI Capacity ₹31,500
New EMI (for this loan) ₹—
Interest Rate 11.5%
Tenure 5 Years
📊 ABB ÷ EMI Analysis
AMB
₹—
New EMI
₹—
ABB/EMI
—
—
Formula: AMB ÷ New EMI | Ideal ratio ≥ 2.0 (bank standard)
Step 5
Matched Lenders
Aapke profile ke based par best-matched lenders. Sabse accha option pehle dikhaya gaya hai.
92% Match
HDFC Bank
Private Sector Bank · Personal Loan
Interest Rate
10.75%
Max Amount
₹40L
Processing Time
2 Days
Processing Fee
1%
88% Match
Bajaj Finserv
NBFC · Personal / Business Loan
Interest Rate
11.00%
Max Amount
₹35L
Processing Time
1 Day
Processing Fee
1.5%
85% Match
Axis Bank
Private Sector Bank · Personal Loan
Interest Rate
11.25%
Max Amount
₹15L
Processing Time
3 Days
Processing Fee
1.75%
82% Match
ICICI Bank
Private Sector Bank · Personal Loan
Interest Rate
11.50%
Max Amount
₹25L
Processing Time
2 Days
Processing Fee
2%
79% Match
SBI Bank
Public Sector Bank · Personal Loan
Interest Rate
10.25%
Max Amount
₹20L
Processing Time
5-7 Days
Processing Fee
0.5%
76% Match
Kotak Mahindra Bank
Private Sector Bank · Personal Loan
Interest Rate
10.99%
Max Amount
₹35L
Processing Time
3 Days
Processing Fee
1.25%
Step 7
Final Loan Assessment Report
Sab sections ka data ek jagah — bank ko directly forward kiya ja sakta hai. Generate karne se pehle sabhi tabs fill karein.
Step 7 — Optional
⚖️ Legal & Property Paper Report
Property ke documents ki details daalein — 13 saal ki chain report generate karein. Bank ke legal department ke liye tayaar.
🏠 Property Details
👤 Vartaman Maalik (Current Owner)
₹
🔗
13 Saal Ki Chain (Ownership History)
Pichle maalikon ki details — bank ke legal team ke liye zaroori
| # | Maalik Ka Naam | Registry Date | Registry No. | Vivran |
|---|
🚨 Bojh / Rin (Encumbrance Check)
📊 Report Summary
Eligible Loan
Monthly Income
EMI Obligation