Overview: Bank Statement Analyzer
“Your entire banking statement analysed for clarity and control.”
Bankkeeping’s Bank Statement Analyzer is a smart, automated tool that breaks down your complex loan and account statements-so you can track, verify, and challenge every rupee paid to the bank.
It ensures you only pay what’s accurate and helps uncover hidden or excess charges, giving you the power to optimize your borrowing cost.
Why This Tool Matters
“Most businesses never review their bank charges. We do it
for you-accurately and automatically.”
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 85% of SMEs don’t know if their bank applied the right rate.
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Core Module
“One Statement. Four Powerful Modules.”
Essential for all businesses with Cash Credit, Term Loan or LC/ BG Limits. Mandatory for Businesses with multiple loan accounts and complex loan structures
Bank Interest Review
“Find out if you’re paying more interest than you should.”
Compares actual interest debits with agreed loan terms
Identifies excess interest charges, incorrect application of rates, or miscalculated EMI schedules
Highlights irregularities across CC/OD accounts, term loans, and working capital loans
Helps build a data-backed case to recover overcharges or renegotiate terms
Essential for businesses with large vendor contracts or imports/exports
LC/BG Commissions Check
“Guarantees come at a cost- ensure it’s the right one.”
Tracks all charges on Letters of Credit (LC) and Bank Guarantees (BG)
Flags excess commission, wrongful GST application, or unjustified renewal fees
Benchmarks your rates against market norms and bank policies
Equips you with reports to question and negotiate fairer charges
Bank Charges Audit
“Small fees. Big drain. Silent killers of your profits.”
Audits every non-interest fee—processing, renewal, documentation, inspection, SMS, CIBIL pulls and more
Detects repeated or unauthorized debits
Categorizes charges into negotiable, excessive, or non-standard
Generates a consolidated Charges Audit Report to initiate refunds or corrections
Empowers CFOs and finance teams with granular banking cost visibility
Banking Behavior Insights
This section turns your monthly bank movement into a financial dashboard.
Monthly inflow-outflow chart
Limit utilization trend
Top 5 receipts/payments
Average balance tracking
Debit/Credit count summary
Step 1
Upload your bank statement (PDF/CSV)
Step 2
Our system auto-detects loan-linked and operational entries
Step 3
A full audit report is generated in minutes—no spreadsheets, no formulas
✅ Reports can be downloaded, shared, or used to negotiate with your bank
How It Works
Comparison block: manual vs. automated audit
Real Savings. Real Businesses
India’s only platform to help SMEs to manage there loans
Link for Case Study – Case Study highlighting identification and reversal of excess interest charged by the Bank
FAQ
Extremely accurate. Bankkeeping recalculates interest using exact bank-sanctioned terms—down to the ROI type (fixed/floating), we take into account daily balances, applicable spreads, and reset clauses as per the sanction letter. Our engine automatically fetches data from across the Banks to check for any change in reference rates. The system then cross-verifies charge dates, interest amounts, and calculations at a granular level. Any mismatch is flagged, quantified, and backed by working papers you can share with your bank.
Yes. Bankkeeping supports bank statements from all major Indian and international banks. Whether your statement is in PDF, Excel, our system can parse, standardize, and analyze it. You can upload current accounts, term loan statements, details of your LC/BG, and even PCFC and more.
Absolutely. We take data security very seriously. All your information is encrypted end-to-end, stored securely, and never shared without your permission. Access is role-based and fully controlled by you. Bankkeeping is built on enterprise-grade infrastructure to ensure complete confidentiality and peace of mind.