INFRASTRUCTURE-GRADE AI
/Introducing/
SignalIQ
INDIA STACK
The complete Bank
Statement Analyser.
80% of every bank statement is UPI narrations that legacy parsers can't read. SignalIQ reads all of it, turning every transaction into a credit insight.
Get In Touch →

A gap in the data is

A gap in the truth.

When data is incomplete, borrowers are misunderstood. SignalIQ closes the gap.

WHAT YOUR PARSER SEES

Fragmented view20%

BANK STATEMENT

↓

NEFT-IDFBN59941353-SQUADRA MEDIA/SALARY/

₹30,000

INCOME: SALARY

UPI/P2A/536980244068/TARUNK/BCIC Bank/Rent/

₹25,000

TRANSFER/OTHERS

IMPS/100628892652/P2A/919968956987/FINORG SI

₹32,000

OBLIGATION: LOAN PAYMENT

BY TRANSFER-INB Payment towards Invoice/Bill-

₹45,000

TRANSFER/OTHERS

UPI/gsdfinancial.ea/Pay/PLSTdigitallending/5525298..

₹5,000

TRANSFER/OTHERS
↓

TOTAL INCOME

₹30,000

↑

TOTAL OBLIGATIONS

₹32,000

FOIR

106%

Built for the modern
bank statement.

SignalIQ turns bank statement data into
better decisions across the lending lifecycle.

01

Precision Underwriting

Underwrite smarter with AI-powered granular categorisation.

02

Predictive Collections

Predict cash flow stress with early warning signals and collect before a default.

03

Personalised Cross-sell

Sell products matched to real customer spending behaviour.

Income is more
than just salary.

Salary is easy. But true repayment
capacity depends on all income sources.
SignalIQ captures it all from the source.

Obligations that
break FOIR are the
hardest to find.

SignalIQ captures every obligation from
EMIs to UPI mandates, delivering a FOIR
that can be trusted.

The signal is in
the patterns.

Infrastructure-grade AI recognises patterns and uncovers signals other BSAs miss, revealing risk and stability when it matters most.

January 2026

UPI/104907060819/EAGLE LTD MF₹5,000

February 2026

UPI/104907060819/EAGLE LTD MF₹5,000

March 2026

SIP PAYMENT MISSED
03PERSONALISED CROSS-SELL
02PREDICTIVE COLLECTIONS
03PERSONALISED CROSS-SELL

TRANSACTION STATEMENT

ACCOUNT HOLDER

Diya Kumar

ACCOUNT NUMBER

00123456789/900

01/02/26UPI/134695/SUNDARG/CUB/XX992/SALARY
+₹25,000
02/02/26UPI/47589/OKHDFC/EASTSIDE-BLR
– ₹17,000
02/02/26EMI DEFAULT
– ₹290
02/02/26AMB PENALTY
– ₹1,000
03/02/26ECS BOUNCE CHARGE
– ₹360
Cross-sell
Cross-sell

Funds below EMI threshold.

OPTIMAL COLLECTION WINDOW

01st – 04th OF EVERY MONTH

PREDICT DEFAULTS
BEFORE THEY HAPPEN.

SignalIQ surfaces pre-delinquency patterns missed by conventional BSAs — action happens before default, not after.

CROSS-SELL THAT
ACTUALLY SELLS.

Leverage real payment behaviour for offers aligned with how customers actually spend.

FAQs
SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ 

SIGNALIQ

The complete Bank Statement Analyser

SETU BY PINE LABS

© 2026 Pine Labs All Rights Reserved

SignalIQ
INDUSTRY STANDARD AI
INDIA STACK
/Introducing/
SignalIQ
The complete Bank
Statement Analyser.
80% of every bank statement is UPI narrations that legacy parsers can't read. SignalIQ reads all of it, turning every transaction into a credit insight.
Get In Touch →

A gap in the data is

A gap in the truth.

When data is incomplete, borrowers are misunderstood. SignalIQ closes the gap.

WHAT YOUR PARSER SEES

Fragmented view20%

BANK STATEMENT

↓

NEFT-IDFBN59941353-SQUADRA MEDIA/SALARY/

₹30,000

INCOME: SALARY

UPI/P2A/536980244068/TARUNK/BCIC Bank/Rent/

₹25,000

TRANSFER/OTHERS

IMPS/100628892652/P2A/919968956987/FINORG SI

₹32,000

OBLIGATION: LOAN PAYMENT

BY TRANSFER-INB Payment towards Invoice/Bill-

₹45,000

TRANSFER/OTHERS

UPI/gsdfinancial.ea/Pay/PLSTdigitallending/5525298..

₹5,000

TRANSFER/OTHERS
↓

TOTAL INCOME

₹30,000

↑

TOTAL OBLIGATIONS

₹32,000

FOIR

106%

BUILT FOR THE
MODERN BANK
STATEMENT.

SignalIQ turns bank statement data into better decisions across the lending lifecycle.

01PRECISION UNDERWRITING

Underwrite smarter with Pine Labs-grade merchant intelligence and granular categorisation.

02PREDICTIVE COLLECTIONS

Predict cash flow stress with early warning signals and collect before a default.

03PERSONALISED CROSS-SELL

Sell products matched to real customer spending behaviour.

01 PRECISION UNDERWRITING

INCOME IS MORE
THAN JUST SALARY.

Salary is easy. But true repayment capacity depends on all income sources. SignalIQ captures it all from the source.

INCOME CREDIT
L1INCOME
L2RENTAL INCOME
RECURRENCEMONTHLY
BANK STATEMENT
ACCOUNT HOLDERACCOUNT NUMBER
Diya Kumar00123456789/900
UPI/1346902295/SUNDARG/CUB/XXX992/RENT₹25,000
ACH/PLL INDIA LTD/81009₹6,350
IMPS/435221641154/SURENDRAP/BANK NO/XX6197/RENT₹22,000
NEFT-IDFBN59941353-SQUADRA MEDIA/SALARY/₹48,000
UPI/gsdfinancial.ea/Pay/BCIC Bank...₹15,000
ACH/GETLOAN CREDIT PRODUCT/90875546897700₹12,000
NEFT MAHB1112XX XX BI CARD NE ABC00CARDS₹17,000
01 PRECISION UNDERWRITING

OBLIGATIONS THAT
BREAK FOIR ARE THE
HARDEST TO FIND.

SignalIQ captures every obligation from EMIs to UPI mandates, delivering a FOIR that can be trusted.

OBLIGATION
L1LOAN
L2LOAN EMI PAID
RECURRENCEMONTHLY
BANK STATEMENT
ACCOUNT HOLDERACCOUNT NUMBER
Diya Kumar00123456789/900
UPI/1346902295/SUNDARG/CUB/XXX992/RENT₹25,000
ACH/PLL INDIA LTD/81009₹6,350
IMPS/435221641154/SURENDRAP/BANK NO/XX6197/RENT₹22,000
NEFT-IDFBN59941353-SQUADRA MEDIA/SALARY/₹48,000
UPI/gsdfinancial.ea/Pay/BCIC Bank...₹15,000
ACH/GETLOAN CREDIT PRODUCT/90875546897700₹12,000
NEFT MAHB1112XX XX BI CARD NE ABC00CARDS₹17,000
01 PRECISION UNDERWRITING
JANUARY 2026
UPI/104907060819/EAGLE LTD MF₹5,000
FEBRUARY 2026
UPI/104907060819/EAGLE LTD MF₹5,000
MARCH 2026
SIP PAYMENT MISSED
INVESTMENT MISSED
L1INVESTMENTS
L2SIP PAYMENTS
RECURRENCEMONTHLY
HIGH RISK

THE SIGNAL IS IN
THE PATTERNS.

Infrastructure-grade AI recognises patterns and uncovers signals other BSAs miss, revealing risk and stability when it matters most.

02 PREDICTIVE COLLECTIONS

PREDICT DEFAULTS
BEFORE THEY HAPPEN.

SignalIQ surfaces pre-delinquency patterns missed by conventional BSAs, so action happens before default, not after.

TRANSACTION STATEMENT

ACCOUNT HOLDER

Diya Kumar

ACCOUNT HOLDER

00123456789/900

01/02/26UPI/1346902295/SUNDARG/CUB/XXX992/SALARY+₹25,000
02/02/26UPI/47589/OKHDFC/EASTSIDE-BLR– ₹17,000
02/02/26EMI DEFAULT– ₹290
02/02/26AMB PENALTY– ₹1,000
03/02/26ECS BOUNCE CHARGE– ₹360

Funds below EMI threshold.

Optimal collection window

01 - 04 OF EVERY MONTH

02 PREDICTIVE COLLECTIONS

PREDICT DEFAULTS
BEFORE THEY HAPPEN.

SignalIQ surfaces pre-delinquency patterns missed by conventional BSAs, so action happens before default, not after.

TRANSACTION STATEMENT

ACCOUNT HOLDER

Diya Kumar

ACCOUNT HOLDER

00123456789/900

01/02/26UPI/1346902295/SUNDARG/CUB/XXX992/SALARY+₹25,000
02/02/26UPI/47589/OKHDFC/EASTSIDE-BLR– ₹17,000
02/02/26EMI DEFAULT– ₹290
02/02/26AMB PENALTY– ₹1,000
03/02/26ECS BOUNCE CHARGE– ₹360

Funds below EMI threshold.

Optimal collection window

01 - 04 OF EVERY MONTH

03 PERSONALISED CROSS-SELL

CROSS-SELL THAT
ACTUALLY SELLS.

Leverage real payment behaviour for offers aligned with how customers actually spend.

Cross-sell
FAQs
SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ 

SIGNALIQ

The complete Bank Statement Analyser

SETU BY PINE LABS

© 2026 Pine Labs All Rights Reserved

INFRASTRUCTURE-GRADE AI
/Introducing/
SignalIQ
The complete Bank Statement Analyser.
80% of every bank statement is UPI narrations that legacy parsers can't read. SignalIQ reads all of it, turning every transaction into a credit insight.
GET IN TOUCH →
INDIA STACK

A GAP IN THE DATA IS A GAP IN THE TRUTH.

When data is incomplete, borrowers are misunderstood. SignalIQ closes the gap.

WHAT YOUR PARSER SEES
20%Fragmented view

BANK STATEMENT

↓

NEFT-IDFBN59941353-SQUADRA MEDIA/SALARY/

₹30,000INCOME: SALARY

UPI/P2A/536980244068/TARUNK/BCIC Bank/Rent/

₹25,000TRANSFER/OTHERS

IMPS/100628892652/P2A/919968956987/FINORG SI

₹32,000OBLIGATION: LOAN PAYMENT

BY TRANSFER-INB Payment towards Invoice/Bill-

₹45,000TRANSFER/OTHERS

UPI/gsdfinancial.ea/Pay/PLSTdigitallending/5525298..

₹5,000TRANSFER/OTHERS
↓

TOTAL INCOME

₹30,000

↑

TOTAL OBLIGATIONS

₹32,000

FOIR

106%

BUILT FOR THE
MODERN BANK
STATEMENT.

SignalIQ turns bank statement data into better decisions across the lending lifecycle.

01PRECISION UNDERWRITING

Underwrite smarter with AI-powered granular categorisation.

02PREDICTIVE COLLECTIONS

Predict cash flow stress with early warning signals and collect before a default.

03PERSONALISED CROSS-SELL

Sell products matched to real customer spending behaviour.

01 PRECISION UNDERWRITING

INCOME IS MORE
THAN JUST SALARY.

Salary is easy. But true repayment capacity depends on all income sources. SignalIQ captures it all from the source.

INCOME CREDIT
L1INCOME
L2RENTAL INCOME
RECURRENCEMONTHLY
BANK STATEMENT
ACCOUNT HOLDERACCOUNT NUMBER
Diya Kumar00123456789/900
UPI/1346902295/SUNDARG/CUB/XXX992/RENT₹25,000
ACH/PLL INDIA LTD/81009₹6,350
IMPS/435221641154/SURENDRAP/BANK NO/XX6197/RENT₹22,000
NEFT-IDFBN59941353-SQUADRA MEDIA/SALARY/₹48,000
UPI/gsdfinancial.ea/Pay/BCIC Bank...₹15,000
ACH/GETLOAN CREDIT PRODUCT/90875546897700₹12,000
NEFT MAHB1112XX XX BI CARD NE ABC00CARDS₹17,000
01 PRECISION UNDERWRITING

OBLIGATIONS THAT
BREAK FOIR ARE THE
HARDEST TO FIND.

SignalIQ captures every obligation from EMIs to UPI mandates, delivering a FOIR that can be trusted.

OBLIGATION
L1LOAN
L2LOAN EMI PAID
RECURRENCEMONTHLY
BANK STATEMENT
ACCOUNT HOLDERACCOUNT NUMBER
Diya Kumar00123456789/900
UPI/1346902295/SUNDARG/CUB/XXX992/RENT₹25,000
ACH/PLL INDIA LTD/81009₹6,350
IMPS/435221641154/SURENDRAP/BANK NO/XX6197/RENT₹22,000
NEFT-IDFBN59941353-SQUADRA MEDIA/SALARY/₹48,000
UPI/gsdfinancial.ea/Pay/BCIC Bank...₹15,000
ACH/GETLOAN CREDIT PRODUCT/90875546897700₹12,000
NEFT MAHB1112XX XX BI CARD NE ABC00CARDS₹17,000
01 PRECISION UNDERWRITING
JANUARY 2026
UPI/104907060819/EAGLE LTD MF₹5,000
FEBRUARY 2026
UPI/104907060819/EAGLE LTD MF₹5,000
MARCH 2026
SIP PAYMENT MISSED
INVESTMENT MISSED
L1INVESTMENTS
L2SIP PAYMENTS
RECURRENCEMONTHLY
HIGH RISK

THE SIGNAL IS IN
THE PATTERNS.

Infrastructure-grade AI recognises patterns and uncovers signals other BSAs miss, revealing risk and stability when it matters most.

02 PREDICTIVE COLLECTIONS

PREDICT DEFAULTS
BEFORE THEY HAPPEN.

SignalIQ surfaces pre-delinquency patterns missed by conventional BSAs, so action happens before default, not after.

TRANSACTION STATEMENT

ACCOUNT HOLDER

Diya Kumar

ACCOUNT HOLDER

00123456789/900

01/02/26UPI/1346902295/SUNDARG/CUB/XXX992/SALARY+₹25,000
02/02/26UPI/47589/OKHDFC/EASTSIDE-BLR– ₹17,000
02/02/26EMI DEFAULT– ₹290
02/02/26AMB PENALTY– ₹1,000
03/02/26ECS BOUNCE CHARGE– ₹360

Funds below EMI threshold.

Optimal collection window

01 - 04 OF EVERY MONTH

02 PREDICTIVE COLLECTIONS

PREDICT DEFAULTS
BEFORE THEY HAPPEN.

SignalIQ surfaces pre-delinquency patterns missed by conventional BSAs, so action happens before default, not after.

TRANSACTION STATEMENT

ACCOUNT HOLDER

Diya Kumar

ACCOUNT HOLDER

00123456789/900

01/02/26UPI/1346902295/SUNDARG/CUB/XXX992/SALARY+₹25,000
02/02/26UPI/47589/OKHDFC/EASTSIDE-BLR– ₹17,000
02/02/26EMI DEFAULT– ₹290
02/02/26AMB PENALTY– ₹1,000
03/02/26ECS BOUNCE CHARGE– ₹360

Funds below EMI threshold.

Optimal collection window

01 - 04 OF EVERY MONTH

03 PERSONALISED CROSS-SELL

CROSS-SELL THAT
ACTUALLY SELLS.

Leverage real payment behaviour for offers aligned with how customers actually spend.

Cross-sell
Cross-sell
FAQs
SignalIQ is a bank statement analyser that can read unstructured UPI narrations that comprise of 80% of the modern Indian bank statement. It converts transaction narratives into structured credit insights. Most underwriting decisions today are made on partial data, because a large part of financial behaviour sits in unstructured UPI transactions which legacy parsers cannot read. SignalIQ closes that gap by decoding inflows and outflows to give you a complete, decision-ready view of income, obligations, and risk.
SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ SignalIQ 
GET IN TOUCH →

SIGNALIQ

The complete Bank Statement Analyser

SETU BY PINE LABS

© 2026 Pine Labs All Rights Reserved