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AnalyzerBankCategorizerStatement

Bank Statement Analyzer & Categorizer

Virtual Auditor2026-03-25🕒 4 min read

by CA V. Viswanathan
FCA, ACS, CFE, Registered Valuer (S&FA) | Since 2012

Bank Statement Analyzer & Categorizer

Upload bank statements (PDF or Excel) from any major Indian bank. Transactions are auto-categorized into P&L and Balance Sheet heads using a 5-layer intelligence engine. Track director loans, reconcile with books, and download a 6-sheet Excel workbook.

Supports: SBI, HDFC, ICICI, Axis, Kotak, BOB, PNB, IndusInd, Yes Bank, IDFC, Federal, Canara + any generic Excel/CSV
Features: Auto-categorization (95-99%) • Director Loan Tracking • Bank Reconciliation • P&L & BS Segregation • 6-Sheet Excel Export
Privacy: 100% client-side processing. No data leaves your device.
🏦 Upload Bank Statement(s)

Upload bank statement PDF or Excel (.xlsx / .csv)

Select multiple files to merge (e.g. Apr-Sep PDF + Oct-Mar PDF)

📚 Upload Books / Tally Data (Optional — for Reconciliation)

Upload your Tally/Busy/Zoho Books bank ledger export (Excel/CSV) to reconcile with bank statement

👥 Director / Partner Names (for Loan Detection)
+ Add Director / Partner
💼 Business Info

Bank Statement Analysis — Forensic Application

Bank statement analysis is a foundational forensic procedure for due diligence, fraud investigation, related-party transaction tracking, and Section 68/69 unexplained-credit defence. The analysis identifies fund-flow patterns, related-party transactions, round-tripping indicators, and reconciliation anomalies.

Statement integrity validation: header-and-footer hash verification; sequence integrity (no missing entries); opening-and-closing balance reconciliation; cross-bank reconciliation where multiple accounts exist. Section 65B Indian Evidence Act certification is required for admissibility of bank statements as electronic evidence.

This tool provides indicative output based on declared inputs. For complete advisory or compliance execution including any required regulatory filings, certifications, or representation, consult CA V. Viswanathan — FCA, ACS, CFE, IBBI Registered Valuer (IBBI/RV/03/2019/12333) — at +91 99622 60333. Free 30-minute consultation, with detailed scope and fixed-fee quote within 24 hours.