Every Rupee, Understood.

Upload a statement. Illuminate reads every line, tracks every pattern, and shows you exactly what to do next.

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RK
AS
MN
PV
SJ
0+ statements analyzed
40+ Indian banks supported
HHDFC Bank
IICICI Bank
SState Bank of India
AAxis Bank
KKotak Mahindra
IIDFC FIRST
YYes Bank
PPunjab National Bank
The bank statement paradox

Your money speaks numbers. Your bank speaks cryptic codes.

Bank PDFs are built for legal compliance, not human clarity. Cryptic merchant codes and unlabelled auto-debits hide your true financial habits.

Interactive decrypter demo
Select a raw bank string to decode
Raw PDF statement lineEncrypted / raw
RAW TRANSACTION CODE:
12/04 POS-992183-SWIGGY-BLR-IN-00912
−₹840.00
Human clarity: 0%Category: Unknown
Illuminate
Illuminate AI
Decoded & structured99.8% match
S
Swiggy Gourmet
Food delivery & dining
−₹840.00
Payment method:Point of Sale (POS)
Date parsed:12 April 2026
Food expense — 14% higher than your weekend average
01
Cryptic merchant strings

Bank statements mask legitimate businesses behind codes like POS-992183, forcing manual cross-checking.

Solved by AI merchant mapping
02
Silent auto-debit leaks

Monthly subscriptions hide inside batch clearing codes. Unused trials quietly convert into recurring charges without warning.

Solved by automatic recurring badges
03
Zero category insights

Without automated categorizing, over 50% of monthly spending goes into an unorganized black hole with zero budget clarity.

Solved by instant expense tagging
How it works

From PDF to insight in four steps.

Illuminate connects raw statement data into a crystal-clear financial pipeline in seconds.

01
Upload statement
Drop a statement from any of 40+ Indian banks.
PDF or CSV format. Password-protected statements supported automatically.
HDFC, ICICI, SBI + 37 more
02
Extract & normalize
We read every transaction — even the messy ones.
Cryptic UPI references and POS strings are parsed into recognized merchants.
99.4% parsing accuracy
03
Categorize & cluster
AI groups spending by merchant & category automatically.
Smart categorization flags subscriptions, dining, fuel, and luxury items.
Auto tax & category tags
04
Insights & goal simulation
See patterns, risks, and goal feasibility.
Simulate savings goals, find unused subscriptions, and project net wealth.
Interactive forecast engine
What Illuminate does

Watch it work, end to end.

Four stages — extract, categorize, analyze, simulate — each shown the way it actually runs on your own statement.

01Extract

Read every line, automatically.

Coordinate-based extraction reads any statement layout, line by line — no templates, no manual cleanup.

Any bank, any format — Coordinate-based extraction handles 40+ Indian bank layouts.
Nothing silently dropped — Rows that don't parse cleanly are flagged, not discarded.
Password-protected PDFs, handled — No manual unlocking required.
illuminate — extract pipeline
›
›214 rows
›
›✓
›3 rows
214 rows parsed · 3 flagged · 0 dropped
Clustering 214 rows3 merchants resolved
Swiggy
Food & Dining · sim 0.94 · 12 txns
Amazon
Shopping · sim 0.91 · 9 txns
Uber
Transport · sim 0.88 · 7 txns
02Categorize

Every transaction, understood.

Transactions cluster by meaning — not keywords — then resolve into clean merchants and categories.

Merchant names resolved — "UPI-4829XXX/PAY" becomes "Swiggy."
Clustered by similarity, not keywords — Embedding-based matching, not brittle string rules.
12 categories, consistently applied — Same logic every statement, every bank.
03Analyze

Patterns you'd never spot in 400 rows.

The Insights Dashboard computes the handful of numbers that actually change a decision.

Six numbers, one glance — Savings rate, surplus, spikes, risk — computed, not guessed.
Recurring charges surfaced — Every subscription and EMI, with a cancellable / obligation call.
Anomalies flagged by month — See exactly which month broke your baseline, and by how much.
Insights dashboardApr 2026
Savings rate
0%
+4pt vs avg
Monthly surplus
₹0
+₹3,100
Dining spike
0%
▲ August
Risk score
0/100
Low
Recurring
0
2 cancellable
Anomalies
0
this month
Monthly spend
22%
Saved
Emergency fund · ₹5,00,000
Avg surplus ₹24,300/mo
Required ₹15,800/mo
8 months remaining
On track
TodayMar 2027
04Simulate

See the goal before you commit to it.

Model a savings target and see, before you commit, whether the math actually holds.

Feasibility, not just a chart — On-track / at-risk / infeasible, stated plainly.
The exact number required — Not "save more" — the precise ₹/month figure.
Quick wins vs. real suggestions — Two distinct lists, not one undifferentiated pile.
Built to be trusted

Bank-grade privacy, by default.

01
Bank-grade encryption
Every statement is encrypted in transit and at rest using AES-256 — the same standard banks use internally.
02
PDFs deleted after processing
Once transactions are extracted, the original file is deleted immediately. A statement still waiting on a password is held for up to 3 days before being removed automatically.
03
Isolated by design
Your data lives in a private, isolated store — never pooled, never sold, never used to train models on other users.
04
Full account numbers are never stored
Only the last 4 digits are ever saved — enough to tell statements apart, never enough to be useful to anyone else.
Testimonials

Trusted with real money decisions.

From freelancers with lumpy income to owners splitting personal and business spend — here's what clarity looks like.

My income lands in lumps, never on a schedule. Illuminate still sorted six months of messy invoices into clean categories — the first tool that didn’t choke on freelance chaos.

NR
Neha Rao
Freelance product designer

I set a six-month emergency fund goal and the simulation gave me April, not some fantasy date. It reads my real spending, so I actually trust the number.

AM
Arjun Menon
Salaried · building an emergency fund

It cleanly split my personal UPI payments from studio expenses without me tagging a single transaction. Tax season went from three days to an afternoon.

PS
Priya Shah
Owner, design studio
Our workflow

Ready to transform your financial clarity?

Upload your bank PDF statement to decode cryptic merchant strings, track silent recurring debits, and gain complete spending clarity in seconds.

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