From Raw Bank Statement
to Financial Intelligence
The Core Processing module ingests data from every financial source, applies OCR + NLP to classify every transaction automatically, and feeds a fully automated double-entry accounting engine.
Intelligence Pipeline
- Bank, credit card & broker statement OCR
- AI transaction classification (200+ categories)
- Automated double-entry accounting
- Real-time P&L and balance sheet
- Continuous reconciliation & error detection
Banks, Cards, NSDL, CDSL, Loans, Insurance
Income / Expense / Asset / Liability
Manual Corrections Improve the AI Model
Across Bank, Card and Loan Accounts
Statement Ingestion
Every Financial Source. One Unified Pipeline.
Stop manually exporting and uploading statements. Aranidhi connects to banks, credit cards, NSDL, CDSL, loan servicers, and insurance providers — with OCR + NLP turning even scanned PDFs into structured data automatically.
- Banks, credit cards, NSDL, CDSL, loans and insurance — all in one pipeline
- AA (Account Aggregator) integration for real-time, consent-based data flow
- OCR + NLP engine extracts data from PDFs, scanned images and structured feeds
- Auto-detection of statement format, date range and currency
- Duplicate detection and data deduplication across sources
AI Classification Engine
Every Transaction Classified. Automatically.
Aranidhi's AI doesn't just categorize transactions — it classifies them into income, expense, asset, liability or transfer buckets, links them to the right financial object, and learns from every manual correction you make.
- Auto-classification into Income / Expense / Asset / Liability / Transfer
- Auto-linking to the right asset, loan EMI, investment SIP or income source
- Merchant recognition and category intelligence (3000+ merchant patterns)
- Manual correction mode with human-in-the-loop learning loop
- Confidence scoring — low-confidence items flagged for human review
Accounting Automation
Bank-Grade Accounting. Zero Manual Entry.
Every classified transaction is automatically mapped to double-entry accounting ledgers. Aranidhi maintains journals, creates entries, handles accruals, and generates period-close reports — all without a single manual entry.
- Transaction-to-ledger mapping with double-entry accounting automation
- Journal entry creation, ledger maintenance and period-close automation
- Accrual accounting and prepaid/deferred transaction handling
- Full bank-to-ledger reconciliation with discrepancy flagging
- Audit trail for every accounting entry — tampering-proof records
Expense Intelligence
Don't Just Track Spend. Understand It.
Beyond categorization, Aranidhi's expense engine analyses patterns, detects anomalies, benchmarks lifestyle vs essential spending and surfaces behavioral finance insights that power budgeting and planning decisions.
- AI expense categorization with Head → Main → Sub hierarchy
- Family-level consolidated spend tracking and comparison
- Spending behavior analysis — lifestyle vs essential vs obligation
- Anomaly detection: unusual spends, duplicate charges, suspicious patterns
- Cashflow trend analysis with 90-day and 12-month visualizations