How it works
Six steps, and one point where you must confirm
FinBizDoc is not a chatbot with a calculator bolted on. The AI does the reading and the explaining, tested formulas do the maths, and you sit in between.
The whole flow in four clicks
Preview the sample, use it, calculate, export. Nothing else to learn.
- Step 1
Understanding your question
You can just describe the decision: “I earn ₹1,20,000 a month, spend ₹55,000 and already pay ₹20,000 in EMIs — can I afford a ₹25 lakh business loan?” The AI works out what you are asking, which calculators are needed, which of your numbers it already has, what is still missing (interest rate, tenure) and which assumptions you need to confirm. It does not answer the question itself.
- Step 2
Reading your statement
Your file is read row by row first, and only then does the AI help label the financial fields — with your account numbers and personal identifiers hidden. Every field comes with how confident it is and a link back to where it came from, so you can check it. Text inside a document can never give the AI instructions.
- Step 3
Your confirmation
The transactions, categories, columns and assumptions appear in a table you can edit. You fix anything that looks wrong. No ratio, no readiness score and no report is produced until you confirm.
- Step 4
The maths
Your confirmed numbers go into tested, version-tracked formulas that always give the same answer for the same inputs. This is the only place a final figure can come from — the AI never calculates one.
- Step 5
The explanation
Only the finished results are shown to the AI. It explains what they mean, points out trends and risks, tells you what information is missing and suggests options worth comparing.
- Step 6
Your actions
Saving a report, exporting it, retaining or deleting the original document and wiping all derived data stay entirely under your control.
How the AI reads your documents
The short version: our own code does the reading and the arithmetic, the AI only puts labels on masked text, and you confirm everything before it counts.
1Step 1
Your file lands in private storage
Uploads go straight into a storage area only your account can open. No public link is ever created.
2Step 2
Our server reads it, not the AI
CSV, XLSX and digital-PDF text are parsed by ordinary code. Every date, amount and balance we use comes from this step.
3Step 3
Personal details are removed before any AI call
Account numbers, GST registration numbers, PAN numbers, IFSC codes, card numbers, Aadhaar numbers and more are replaced by type tokens. You can add names, addresses and reference codes, or withhold description text entirely.
4Step 4
The AI only labels — it never calculates
The model is asked one narrow question: which column or line name belongs to which group. It cannot add, change or invent a number.
5Step 5
You review every line before anything counts
Extraction produces a draft. Nothing enters your dashboards, ratios or reports until you confirm it — there is no path that skips this.
6Step 6
Every figure is computed by our own formulas
Totals, ratios, EMIs and readiness scores are produced by versioned, tested code you can inspect in the formula library.
Before processing starts you get a panel listing exactly which columns would be sent, how many personal values were found in each category, and which text would be withheld — with an option to redact more. After extraction, the same summary is kept with the draft so you can always check what was analysed. Masked content is never displayed and never stored in the extraction record.
The AI never reads your personal details
Before a single line is sent to the AI, account numbers, PAN, Aadhaar, card numbers, phone numbers, email addresses, UPI handles and IFSC codes are replaced on our server. Dates and amounts stay, because those are the only things the AI is asked to label.
Sent to the AI (personal details hidden)
02 Apr 2026 UPI/[UPI_ID]/INV-3391 A/c [ACCOUNT] CR 1,25,000.00
05 Apr 2026 NEFT SALARY ANIL KUMAR PAN [PAN] DR 55,000.00
09 Apr 2026 CARD [CARD] Supplier payment DR 18,400.50
14 Apr 2026 Contact [PHONE] / [EMAIL] IFSC [IFSC] CR 42,000.00
Masked before the AI call: 1 UPI handles, 1 account numbers, 1 PAN numbers, 1 card numbers, 1 email addresses, 1 IFSC codes, 1 phone numbers.
Paste one row from your statement. This runs entirely in your browser — it is never uploaded, stored or sent to any AI.
What the AI may do
- Explain what a result means in plain language
- Point out trends and risks in the finished figures
- Say which factors moved a result
- Ask follow-up questions and flag missing inputs
- Suggest scenarios worth comparing
What the AI may never do
- Change a calculated value
- Make up a figure that is not in the data you confirmed
- Guarantee or predict loan approval
- Predict investment returns or recommend securities
- Claim current tax or lender rules without a dated source
- Move money, apply for anything, or act on your behalf
Documents and current limits
| Document type | Status |
|---|---|
| CSV bank statements | Supported |
| XLSX bank statements | Supported |
| Digitally generated PDF bank statements | Supported |
| Payment gateway settlement reports (CSV, XLSX) | Supported |
| Profit and loss statements (CSV, XLSX, digital PDF) | Supported |
| Balance sheets (CSV, XLSX, digital PDF) | Supported |
| Loan statements (CSV, XLSX, digital PDF) | Supported |
| GST summaries (CSV, XLSX, digital PDF) | Supported |
| Payslips (CSV, XLSX, digital PDF) | Supported |
| ITR summaries (CSV, XLSX, digital PDF) | Supported |
| Invoices (CSV, XLSX, digital PDF) | Supported |
| Scanned or photographed documents (OCR) | Later — experimental |
- Maximum file size: 10 MB
- Maximum PDF length: 50 pages
- One active analysis job per user
- Three AI analyses per user per hour
- Accepted formats: PDF, CSV, XLSX
- Password-protected files are rejected safely
This is an educational estimate based on the information and assumptions provided. It is not a loan offer, approval, credit decision or financial advice. Actual eligibility depends on the lender's underwriting policy, credit checks, documentation and applicable regulations.