· THE FINANCIALS
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AI PANTHEON

The Financials

Build financial statements from scratch — or upload and audit existing ones.
Three AI analysts. One verdict. End to end.

LIVE DEMO See a real credit analysis — M/s Anand Auto Components, ₹1.25 Cr facility View Output →
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Build
No financial statements yet? Provide basic business details and our three AI analysts generate CMA data, Balance Sheet, and P&L — in three projection scenarios.
3 credits
Start Building →
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Audit
Already have financials? Upload Balance Sheet, P&L, CMA data or IT returns. Three AI analysts examine every number — ratios, anomalies, risks — and deliver a credit verdict.
5 credits
Start Auditing →
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Important Disclaimer: The Financials uses AI to assist in credit analysis and financial statement preparation. All outputs — including ratios, projections, P&L, Balance Sheet, and CMA data — are AI-generated estimates for informational purposes only. They do not constitute a formal credit appraisal, investment advice, or regulatory opinion. Outputs must be independently verified by a qualified credit professional before use in any sanctioning, lending, or regulatory process. The actual credit decision and compliance responsibility rests solely with the sanctioning authority.

For banking and credit professionals. Not a substitute for regulatory compliance.

BUILD MODE

Generate Financial Statements

Fill in the details below. AI will build full RBI CMA — P&L, Balance Sheet, Working Capital Assessment, and Cash Flow — with projections. Fields marked * are required. All others use smart defaults.

Country & Regulatory Framework
Reserve Bank of India (RBI)
RBI CMA Data (Revised) — Tandon Committee Format
Amounts entered in: ₹ Lakhs  ·  1 Lakh = 100,000
A. Business Information
B. Sales & Revenue

Enter all amounts in ₹ Lakhs — e.g. ₹1 Crore → enter 100; ₹50 Lakh → enter 50.

C. Cost & Expense Parameters
D. Opening Financial Position (current figures — anchors Year 1 Balance Sheet)

These are the business's current balance sheet values. Without them, Year 1 projections are estimated from scratch. Even approximate figures significantly improve accuracy.

E. Working Capital Cycle (auto-filled from industry — override with actual data)
F. Loan & Financing Details
G. Assets & Depreciation
H. Projection Settings
AUDIT MODE

Upload Financial Documents

Upload the borrower's financial statements below. Three AI analysts will independently examine every figure — ratios, anomalies, repayment capacity — and deliver a credit finding.

A. Borrower Details
B. Upload Documents (upload what you have — minimum one document required)
Balance Sheet
Last 2–3 years preferred · PDF, Excel, or Image
↑ Click or drag file here
P&L Statement
Profit & Loss for last 2–3 years · PDF, Excel, or Image
↑ Click or drag file here
CMA Data
Credit Monitoring Arrangement · PDF or Excel
↑ Click or drag file here
Computation of Income / IT Returns
For MSME / retail / self-employed borrowers · PDF or Image
↑ Click or drag file here
Additional Documents
Bank statements, sanction letters, project reports · Any format
↑ Click or drag file here
THE PANEL IS REVIEWING
Analysing your documents...
Risk Analyst
Scanning for red flags...
Credit Analyst
Computing ratios...
Business Analyst
Assessing business health...
AUDIT
Borrower Name
Working Capital · 11 Apr 2026
RISK LEVEL
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RECOMMENDATION
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◈ Ratio Scorecard Compared against RBI / industry benchmarks
Ratio Value Benchmark Status What it means
⚠ Anomaly Detection Flagged by 2 or more analysts independently
◉ Panel Findings Each analyst reviewed independently
Risk Analyst
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Credit Analyst
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Business Analyst
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✦ The Finding Synthesised from all three analysts
◻ Draft Credit Note Editable — add your own remarks before submission
◇ Ask the Panel Have a query about this analysis? Ask here.

Not clear on a ratio? Want to know what additional documents to ask for? Need a specific clause reworded in the credit note? Ask anything — the panel answers in context of this analysis.

1 credit per query · 3 AI analysts answer in context · 0 queries asked

AI-generated analysis for informational use only. Verify all figures independently. Not a substitute for a formal credit appraisal or regulatory compliance.