pechaantechपहचान
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Financial-profile intelligence · Built for India

The true पहचान of every customer — deconstructed from every source that matters.

Pechaantech reads bureau, bank statements, SMS, email, ITR, PF and autopay mandates, and reconstructs one unified, decision-ready financial profile — income, obligations, FOIR, wealth, fraud & risk, all typed and queryable.

Consent-first, and auditable end to end. Deterministic parsing you can defend to a regulator — every field traces to a rule, every pull to a consent. That's the पहचान promise: know the customer, prove every step.

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// deterministic engine · 7 source families · consent-first · DPDP-aligned
SMS · VM-HDFCBKSalary Credit of Rs 92,000.00 to A/c XX4471 on 01-06. Avl Bal Rs 1,14,320.55
BUREAU · CIBILActive tradelines: 3 · Hard enquiries 90d: 2 · Score 786
ITR · AY 2025-26Gross total income ₹11,84,000 · TDS ₹58,200 (Form 26AS)
MANDATE · e-NACHPNB Housing EMI ₹18,400 · UPI Autopay ×2 active
reconstruct
7 source families· Consent-first ingestion· Deterministic & auditable· DPDP-aligned· <800ms / profile· 4 bureaus tracked
The products

Four ways to put the profile to work.

One reconstructed financial पहचान, four products built on top of it — from raw enrichment to voice journeys and monetisation. Each starts with a conversation; our team scopes and onboards you directly.

01 · Enrichment

Profile enrichment

Reconstruct a complete, decision-ready financial profile from every source your customer consents to — typed, reconciled and queryable.

SMSEmailsBureau reportsITRsCAS statementsKYCMobile prefill
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02 · Analytics

Analytics

Discover hidden, actionable insights across your customer data — income patterns, risk flags, leakage and intent surfaced from the raw stream.

Bank statementsSMS inboxEmailsRisk & intent
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03 · Voice AI

Voice AI

Automate customer journeys end to end with our voice solutions — onboarding, collections, verification and nudges, in natural Indian languages.

Journey automationMultilingualCollections & onboarding
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04 · Offers SDK

Offers SDK

Show personalised financial products to the right customers at the right moment — and unlock an additional monetisation stream from your existing base.

Personalised offersMonetisationDrop-in SDK
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The sources

Plugged into every signal a customer leaves behind.

Each source adds a dimension the others can't see. Together they close the gaps a single bureau pull leaves wide open — and each is ingested only on explicit consent.

bureau

Credit bureau

Full-file tradelines, enquiries, DPD history & scores across CIBIL, Experian, CRIF Highmark & Equifax.

statements

Consolidated account statements

Multi-bank statements parsed into one clean, categorized cashflow ledger — inflows, outflows, balances.

sms

SMS inbox signals

Transactional SMS parsed for salary credits, EMIs, spends, balances & bounce alerts — on-device or via API.

email

Email receipts & statements

Statement, invoice & receipt emails mined for obligations, subscriptions, income proof & large purchases.

itr

ITR & Form 26AS

Income-tax returns and 26AS for verified income, TDS, declared obligations & self-employed cadence.

pf

EPF / PF data

Provident-fund contributions as a hard signal of employment tenure, employer & income stability.

mandates

Autopay mandates

Active e-NACH & UPI-Autopay mandates mapped to committed outflows, EMI load & silent leakage.

extensible

Bring your own source

A unified connector layer — add a proprietary feed or partner API and it folds into the same profile contract.

the output

One unified profile

Every source reconciled into a single, versioned JSON contract — the customer's full financial पहचान.

The method

A parsing engine, not a black box.

The core is deterministic — rules you can audit, line by line, and defend to a regulator. AI is reserved for the long tail of messy formats, never for the money decisions.

Consent & ingest

Pull consented data from bureau, statements, ITR, PF, email, mandates — or gate SMS on-device via our SDK. Nothing extra travels.

Parse & normalize

OCR, NLP and deterministic rule engines turn PDFs, texts and feeds into one canonical transaction & obligation graph.

Enrich & reconcile

Cross-source reconciliation derives income, FOIR, wealth, anomalies & 400+ features — every field traces to a rule.

Score & serve

A decision-ready profile & explainable scores return via API, webhook or dashboard — with a full audit trail.

The return

Every source in.
One financial profile out.

Send whatever you have consent for — statements, bureau, ITR, PF, SMS, email, mandates — and get back a stable, versioned JSON contract. Income, accounts, liabilities, investments, autopay leakage, bureau pulls and scores, in one shape.

POST /v1/profile SDK React Native SDK on-device SMS
POST api.pechaantech.com/v1/profile → 200
// deterministic · reconciled across 7 sources · auditable
{
  "income":      { "monthlyEstimateRs": 92000, "source": "sms+itr+pf", "confidence": "high" },
  "balances":    { "savingsMeanRs": 110400, "source": "statements" },
  "liabilities": { "emis": [{ "lender": "PNB Housing", "amountRs": 18400 }], "foirPct": 20 },
  "autopay":     { "activeMandates": 3, "estAnnualLeakageRs": 14160 },
  "bureau":      { "score": 786, "hardPullsLast90d": 2, "creditHungryFlag": false },
  "scores":      { "affordabilityTier": "mass-affluent",
                   "riskScore": 786, "inMarketForCredit": true }
}
Inside one source · SMS

The SMS engine: a financial profile from one inbox, in ~200ms.

Most of a person's financial life already arrives as SMS. Our on-device SDK reads it where thin-file customers have nothing else — OTPs and promos dropped at the door, every message processed in memory and purged the instant we answer. Zero bytes retained.

VM-HDFCBKSalary Credit of Rs 92,000.00 to A/c XX4471 on 01-06. Avl Bal Rs 1,14,320.55
JD-KUKUFMRs.99 debited via UPI AutoPay mandate. UMN: kukufm@ybl
JD-CIBILAYour CIBIL Score & Report was checked by HDFC BANK on 12-06.
parse
sms.enrich · v1200 ms
Monthly income₹92,000 salaried
Autopay leakage₹1,180/mo
Bureau hard-pulls · 90d2 · in-market
Loan-stacking risklow
income

Income & employer

Salary & business inflows, cadence, stability, employer name.

leakage

Autopay leakage

Silent UPI-Autopay mandates & dark-pattern micro-subscriptions.

bureau

Bureau pulls

Who checked the report, when, hard vs soft — across 4 bureaus.

fraud

Loan-stacking

How many lenders a user OTP-logged-into in the last 7 days.

// on-device SDK · React Native & Android · 0 bytes retained · DPDP-aligned

Where it earns its keep

One platform. Every financial decision.

Whether you underwrite, embed or advise — Pechaantech hands your teams the same deep, reconciled profile.

Lenders · NBFCs · Banks

Underwrite the thin file

Derive income, FOIR & distress for applicants with no clean bureau history. Cut defaults, not approvals.

  • Affordability & FOIR in real time
  • Early-warning & collections signals
  • Policy-tuned, explainable scorecards
Fintechs · Neobanks

Embed a full profile

Drop a complete financial profile into your app with a few API calls — no data-engineering team required.

  • Plug-and-play APIs & webhooks
  • On-device SMS SDK for cold-start
  • Personalization from cashflow data
Wealth · Advisory

A live 360° view

Give advisors a consolidated net-worth & cashflow view — assets, liabilities & obligations, reconciled.

  • Consolidated net-worth view
  • Portfolio & cashflow insights
  • Goal & affordability planning
Representative outcomes

What partners stand to gain.

Illustrative scenarios modelled on real multi-source data — indicative of the lift Pechaantech's signals add to an existing decisioning stack.

Mid-size NBFC · thin-file
+18%

approval rate on no-statement applicants, with early-default down 11% — from reconciled income, FOIR & distress.

Neobank · engagement
₹4,900

average yearly autopay leakage surfaced per user; the money-saver feature lifted DAU 14%.

Wealth platform · onboarding
3.2×

faster client onboarding with an auto-built net-worth view from statements, ITR, PF & mandates.

Trust & compliance

Consent-first. Encrypted. Auditable.

Sensitive financial data demands more than good intentions. Compliance is wired into the platform, not bolted on.

Consent-first

Every source is ingested only on explicit, revocable user consent — logged and time-stamped.

Encrypted end-to-end

AES-256 at rest, TLS 1.3 in transit, tokenized PII and strict data-residency controls.

Auditable by design

Deterministic rules mean every field & score is reproducible — a full trail for auditors & regulators.

DPDP-aligned

Built to India's DPDP Act with data minimization, purpose limitation & role-based access by default.

Talk to us

See your customers the way Pechaantech does.

Book a working session with our team. We'll run a live profile reconstruction on a sample cohort and show you exactly what your current stack is missing — across every source you can consent to.

No-code sandbox access Solution architect included Reply within one business day

Your data stays private · DPDP-aligned