The transactional SMS inbox, read as a live financial behaviour profile.

A consent-based module that reads the applicant's transactional SMS and extracts income, obligations, lending activity, spending, and liquidity — in real time, from the messages already on the device. No documents, no bureau wait.

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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