LoanPilot Documentation
LoanPilot by Ippopay analyses Indian bank statements and turns them into a credit decision you control.
LoanPilot
LoanPilot reads an applicant's bank statement, reconciles it with the credit bureau, and produces a credit decision your team controls — through a configurable rules engine, with an AI committee that advises but never sets the number.
Two halves of the product
Detection pulls every signal from the statement and is always shown in the report. The credit policy turns those signals into the score and decision — it only changes the number, never what is displayed.
Start here
Upload a statement
Single or combined PDFs, the loan product, the applicant and optional loan details.
Read the report
Decision, credit, cash flow, scenarios, risk, signals and transactions.
Credit rules engine
Per-team, per-product rules you can turn on, tune and version.
Loan products & templates
EMI and EDI products, started from ready-made per-loan-type templates.
What makes a decision
- Detection — balances, bounces, cash dependency, salary, scenarios, and the reconciled bureau ⇄ statement obligations.
- The rules engine — your product's rules, organised into scoring layers, score the file and can knock it out to manual review.
- The AI committee — reviews the evidence and explains the call. It can only lower a borrower-facing number (e.g. the EMI), never raise it; the rules own every number.
Decisions assist a human
LoanPilot is a decision-support tool. Derogatory bureau marks, document-integrity flags, mule patterns and name mismatches are always sent for manual review.