Sample report
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This is the exact report Obsrv produces from a six-month statement: a salaried applicant with steady income, a home-loan EMI, and one NACH bounce that a manual read could miss.
Rohan Sharma
HDFC Bank · Savings · A/C XXXXXX4821
2025-12-01 → 2026-05-31 · 214 transactions · digital pdf
₹48,200 → ₹71,540
Salaried applicant with a stable monthly income of ~₹85,000 from a single employer over the full 6-month period. Healthy average balance and consistent surplus most months. A NACH bounce in February alongside debt-to-income of ~50% places this profile in the high-risk band: a recent missed obligation keeps a borrower out of the low band, and the leverage compounds it. Recommend manual review before approval rather than an automatic decline.
Positives
- Regular salary credit on the 1st from a single employer for all 6 months
- Average monthly balance of ₹64,800, comfortable buffer
- Net positive cash flow in 5 of 6 months
Concerns
- One NACH return (insufficient funds) in Feb 2026 for ₹18,500
- FOIR ~50%, existing EMI + rent leave moderate headroom
- Balance dipped to ₹9,120 before the Feb salary credit
Recommended next checks
- Confirm the Feb NACH bounce was a one-off (request the loan account statement)
- Verify employment & latest salary slip
Avg monthly income
₹85,000
regular · stable
Avg monthly balance
₹64,800
buffer 0.64× · min ₹9,120
Monthly obligations
₹42,900
4 recurring
FOIR · debt-to-income
51%
disposable ₹42,100
Income sources
- ₹85,000
ACME SOFTWARE PVT LTD (Salary)
salary · monthly · seen 6×
Monthly cash flow
| Month | Credits | Debits | Net | Avg balance | Closing |
|---|---|---|---|---|---|
| Dec '25 | ₹92,000 | ₹86,400 | +₹5,600 | ₹61,200 | ₹53,800 |
| Jan '26 | ₹85,000 | ₹91,300 | -₹6,300 | ₹52,400 | ₹47,500 |
| Feb '26 | ₹85,000 | ₹84,200 | +₹800 | ₹58,900 | ₹48,300 |
| Mar '26 | ₹99,000 | ₹92,100 | +₹6,900 | ₹74,600 | ₹55,200 |
| Apr '26 | ₹85,000 | ₹83,660 | +₹1,340 | ₹68,900 | ₹56,540 |
| May '26 | ₹1,15,000 | ₹1,00,000 | +₹15,000 | ₹72,800 | ₹71,540 |
Money received from, top 5
- 01Acme Software Pvt Ltd (Salary)₹5,10,00090.9% · 6×
- 02Priya Menon (UPI)₹18,0003.2% · 3×
- 03Self transfer, ICICI ****7732₹15,0002.7% · 2×
- 04Amazon (refunds)₹8,5001.5% · 4×
- 05Interest credit₹3,2000.6% · 6×
Money sent to, top 5
- 01Rajesh Kumar (Rent)₹1,32,00024.6% · 6×
- 02HDFC Home Loan (EMI)₹92,50017.2% · 5×
- 03Axis Mutual Fund (SIP)₹30,0005.6% · 6×
- 04Amazon₹24,3004.5% · 18×
- 05Swiggy₹12,8002.4% · 41×
Largest credit
₹85,000
Acme Software Pvt Ltd
Largest debit
₹22,000
Rajesh Kumar (Rent)
Cash deposits
₹0
none, fully traceable
Unique counterparties
84
salary = 91% of income
Channel mix
| Mode | In | Out | Txns |
|---|---|---|---|
| NEFT | ₹5,25,000 | ₹1,32,000 | 14 |
| NACH | - | ₹1,22,500 | 11 |
| UPI | ₹26,000 | ₹1,68,160 | 168 |
| CARD | - | ₹74,000 | 22 |
| ATM | - | ₹41,000 | 12 |
Obligations
- ₹18,500
HDFC Home Loan EMI
EMI · monthly · seen 5×
- ₹22,000
Rent (NEFT to landlord)
rent · monthly · seen 6×
- ₹2,400
LIC Premium
insurance · monthly · seen 6×
- ₹5,000
SIP, Axis Mutual Fund
sip · monthly · seen 6×· not in FOIR
Risk flags
NACH return, insufficient funds · ₹18,500
Home-loan EMI auto-debit returned on 2026-02-05; re-presented and cleared 2026-02-09.
Bounce / return charges · ₹590
ECS return charge debited 2026-02-06.
Low pre-salary balance
Balance fell to ₹9,120 on 2026-01-29 before salary credit.
Spend by category
Document integrity
94% authentic- Running balance math reconciles across all rows
- No duplicate transactions detected
- PDF metadata, created/modified dates consistent
- Page sequence complete (no missing pages)
- Font / alignment consistency, Minor variance on page 4, low concern.
Transactions
| Date | Narration | Debit | Credit | Balance |
|---|---|---|---|---|
| 2026-02-01 | ACME SOFTWARE PVT LTD SALARY FEB | ₹85,000 | ₹94,120 | |
| 2026-02-03 | NEFT DR-RENT-RAJESH KUMAR | ₹22,000 | ₹72,120 | |
| 2026-02-05 | NACH RETURN-HDFC HOME LOAN-INSUFFICIENT FUNDSbounce | ₹18,500 | ₹53,620 | |
| 2026-02-06 | ECS RETURN CHARGES | ₹590 | ₹53,030 | |
| 2026-02-09 | NACH-HDFC HOME LOAN EMI | ₹18,500 | ₹34,530 | |
| 2026-02-12 | UPI-SWIGGY-ORDER | ₹640 | ₹33,890 | |
| 2026-02-15 | SIP-AXIS MUTUAL FUND | ₹5,000 | ₹28,890 | |
| 2026-02-28 | UPI-RECEIVED-FREELANCE | ₹48,300 |
Showing a sample of 214 extracted transactions
Flagged for human review
- transactions[112].narration, Partially garbled OCR text on a scanned page
- obligations.HDFC Home Loan EMI, EMI present 5 of 6 months (Feb bounce), confirm tenure
This analysis is an automated, indicative summary to assist underwriting. It is not a credit decision or a guarantee of accuracy. Verify flagged fields before relying on them.
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