9:41
Transactional SMS
READING
Consent · on-device · nothing leaves
HDFC Bank
Salary
9:12
₹94,200 credited · ACME PVT LTD
ICICI Bank
EMI
9:04
₹12,400 debited · Home Loan EMI
UPI Alerts
Spend
8:47
₹1,240 paid · groceries
Axis Bank
EMI
8:31
₹4,100 debited · Car Loan EMI
SBI Card
Bill
8:02
₹18,900 statement paid in full
UPI Alerts
Credit
7:44
₹22,000 received · freelance invoice
Parsed locally · only the profile is returned
SMS Parser
Financial profile
capacity to service the loan
APPROVE
Income
Monthly income
₹94k
+ ₹22k
Sources
2
· stable
Obligations
Active EMIs
2 loans
Total outgo
₹16,500
/mo
Lending activity
Lenders
2
· long-standing
Bounces
None
Spending
Monthly spend
₹34k
Pattern
Regular
Liquidity
Free cash flow
₹63,700
/mo
Buffer
Healthy
Capacity decision
Can comfortably service the loan.
₹63,700 free monthly cash flow after obligations · income stable across 2 sources.
₹63,700
/mo
Free cash flow