Behavioural reads the way an experienced underwriter reads them
TransactIQ extracts the patterns an experienced underwriter would read off a statement if they had the time — salary consistency, income concentration trajectory, behavioural stability, adaptive outliers — plus the MSME business-versus-personal separation that most analysers do not attempt.
Stability and regularity signals
How predictable is the account? And when it stopped being predictable, when and why?
Month-on-month pattern shift
Every month's category spending profile is compared against the previous month. Months where the profile changed materially are flagged and classified — for example, risk-behaviour onset, expense escalation, or hidden-obligation emergence — so a reviewer knows immediately why a given month drew attention instead of having to reconstruct the comparison manually.
Behavioural stability score
A single 0 to 100 reading that summarises how consistent the applicant's spending profile has been across the statement period, paired with a plain-English interpretation band. The score is a triage aid, not a decision input — the monthly profile it summarises is where the actual signal lives.
Transaction regularity
The report measures how routine or irregular the account behaviour is across three independent dimensions: day-of-month, transaction size, and counterparty. A salaried applicant with predictable rhythms reads very differently from a freelancer with erratic flows, and both read differently from a fabricated statement. The three dimensions separate cleanly so a reviewer can see which kind of irregularity is present.
Adaptive outlier detection
Large transactions are measured against the applicant's own typical transaction size, not a fixed threshold. A single ₹50,000 payment is a clear outlier for someone whose typical transaction is ₹500 and routine for someone whose typical transaction is ₹2,00,000. Adapting to each profile keeps the outlier list short, useful, and specific to the account.
Income and cash-flow signals
Salary shape, hidden inflows, concentration trajectory, and income-vs-expense discipline.
Salary consistency
Salary credits are matched across months. Missed salary months, stagnant amounts, multiple salary credits in a single month, and changes in the payment channel are each surfaced with the underlying rows. The dominant employer counterparty is identified explicitly. A salary that stopped and restarted through a different channel is exactly the signal a lender wants to see without waiting for a verification call.
Hidden income or loan detection
If balance movements cannot be explained by the visible inflows and outflows, the report indicates a probability of undeclared inflows or obligations. The reviewer is not told what those hidden flows are — that remains a human investigation — but they are told that the account's movements are not fully explained by the rows on the page.
Living beyond means
Months where withdrawals exceeded deposits are identified, along with the relationship between expense swings and income swings. A month of overspend is unremarkable; a structural pattern of outflows consistently outpacing inflows is not.
Large withdrawal after income
Large withdrawals that follow shortly after a big credit are flagged — the shape of possible salary siphoning, cash-out behaviour, or obligations the applicant has not declared. As with every TransactIQ signal, the underlying row is surfaced so the reviewer decides.
Income concentration
When most of the applicant's income comes from a single source, the report flags over-reliance and shows the concentration trajectory across months — is the applicant diversifying, or becoming more dependent on one payer? A concentration reading that is falling tells a very different story from one that is climbing.
Income stability
Stability is reported separately for primary income, other income, and total inflow, and expense variability is compared against income variability. An applicant with volatile income who manages their outflows disciplined reads differently from one whose expenses track every income swing.
Business versus personal, separated
The foundation layer for synthetic MSME financials.
Business vs personal transaction labelling
For applicants who co-mingle business and personal flows in a single account — the default shape for Indian proprietors, freelancers, and small shops — TransactIQ labels every transaction as business inflow, business outflow, personal inflow, personal outflow, financing activity, or internal transfer. This separation is the first layer in the MSME synthetic-financials stack: once the rows are labelled, a synthetic P&L, balance sheet, and cash flow become possible. Most bank-statement analysers stop at channel breakdown. TransactIQ goes one step further because Indian MSME underwriting requires it.
See behavioural signals on a live MSME statement
Evaluating lenders and credit teams can request a walkthrough showing the behavioural signals, business-vs-personal separation, and stability reads as they appear in a real report.
Request a walkthrough