One workbook, every finding, one click per section
A TransactIQ report is a single structured Excel workbook. The first sheet is an Index with clickable links to every section below. The same analysis is available as JSON for system-to-system integration. The two stay in sync because they come from the same underlying run.
The workbook shape
Designed for the credit manager, the auditor, and the resolution professional — the humans who actually read the report.
Single structured Excel workbook
Every run produces one workbook — not a folder of outputs, not a portal to log into. A credit manager receives a single file that contains every finding, every ratio, every flag, and every underlying row. It opens in Excel, LibreOffice, and Google Sheets without conversion.
Index sheet with clickable links
The first sheet is an Index. Every section of the report is one click away — the monthly income matrix, the channel breakdown, the FOIR series, the fraud flags, the risk-word category summaries, the qualitative summary. A reviewer can navigate the entire report without scrolling.
Indian-format number presentation
Currency, percentages, counts, and ratios are all formatted the way an Indian credit officer expects them. Lakh-crore grouping on rupee values, two-decimal percentages, readable ratios. The report reads natively, not as a translation.
Inline charts, no separate files
Every chart — monthly income and expense trend, balance trajectory, cash-flow split, 15-day forward projection — lives inside the workbook. There are no linked image files to lose, no separate PDFs to package. The report travels intact.
Qualitative Summary — seven sections
Every finding is consolidated into a single readable summary sheet, organised into seven sections with their own colour-coded headers. A reviewer can read the summary top to bottom or jump straight to the section they need.
Salary and Income
Dominant employer counterparty, salary continuity and gaps, multiple salary credits, channel changes, income concentration, and stability reads consolidated into one readable section.
Spending Behaviour
Month-on-month category shift classifications, behavioural stability score with interpretation band, and the specific months that drew attention with the reason they did.
Fraud Indicators
PDF authenticity findings, creation-vs-modification date discrepancies, balance-chain disagreements, impossible-date transactions, round-number clustering, digit-pattern findings, sequence and counterparty-spread reads.
Risk Flags
Per-category counts, debit and credit exposure, and the top five matched terms across all ten risk word categories — gambling, predatory lending, alcohol, luxury, crypto, financial distress, over-leverage, and the rest.
Balance Analysis
Opening balance reads, average balance on the 1st, 14th, and last of every month, balance distribution across the statement window, and any unexplained balance jump indications.
Metadata and Tampering
PDF metadata, producer software, creation and modification timestamps, and the authenticity read that came out of them. Where the file is clean, the section says so.
Verification
The checks that were run, the rows that passed, the rows that did not, and any gaps in coverage the reader should be aware of. A reviewer can see what the tool did and did not verify without having to guess.
Output options
What the report looks like — and what a lender can choose to toggle.
Excel for humans, JSON for systems
The workbook is what a credit officer, auditor, or resolution professional reads. A JSON representation of the same analysis is available for a loan origination system, decisioning engine, or internal data warehouse. Both are produced from the same underlying analysis, so the two views never drift.
Per-customer lean or full toggle
A lender focused on credit underwriting can run a lean report with only the sections that drive underwriting decisions. A forensic auditor can run the full extended report covering every signal TransactIQ produces. The engine is the same; the shape of the output is what changes.
Request a sample report
Evaluating teams can request a sanitised sample workbook and walk through the Index, the Qualitative Summary, and the underlying sheets with the product team.
Request a sample