CypherQuick

CypherQuick is a WhatsApp based Bank Statement Analysis and Loan Eligibility Insight Platform designed for DSAs, loan agencies, banking professionals, and financial consultants. It helps users analyze customer bank statements, understand banking behaviour, calculate Average Bank Balance (ABB), review existing obligations, and obtain indicative bank wise and product wise eligibility insights within minutes.

After registration, users simply upload customer bank statements through WhatsApp. CypherQuick analyzes banking transactions, Average Bank Balance (ABB), existing obligations, and account behaviour to generate instant banking insights and preliminary eligibility assessments. Reports are delivered directly on WhatsApp, making the process fast and convenient.

Average Bank Balance (ABB) is an important banking indicator often considered during banking surrogate assessments, especially for self employed customers. A stronger ABB may reflect better banking strength and account management. CypherQuick automatically calculates ABB and incorporates it into its eligibility assessment framework.

CypherQuick helps DSAs reduce manual analysis time by providing instant bank statement insights and eligibility support. Instead of manually calculating ABB, checking obligations, and evaluating banking strength, loan professionals can obtain these insights within minutes and focus on converting more cases.

Yes. CypherQuick analyzes bank statements and helps identify existing EMI related transactions and obligations. Understanding existing commitments is important because repayment obligations directly influence overall borrowing capacity and potential eligibility.

Yes. The platform can help identify banking patterns related to EMI servicing behaviour and possible bounce indicators visible within the statement. These insights can assist loan professionals in understanding repayment behaviour during preliminary case evaluation.

Banking Surrogate Assessment refers to evaluating a customer's banking behaviour, account performance, and Average Bank Balance as part of a lending assessment. It is commonly used for self employed borrowers where traditional salary based income evaluation may not be applicable.

Yes. CypherQuick provides indicative bank wise eligibility insights based on banking behaviour and configured assessment methodologies. This helps loan professionals understand which lending opportunities may be worth exploring further with customers.

Yes. CypherQuick supports indicative eligibility assessment across products such as Home Loans, Loan Against Property (LAP), and Business Loans. This helps users quickly identify suitable lending opportunities based on customer banking profiles.

Absolutely. CypherQuick is particularly valuable for self employed customers because it focuses on banking behaviour, Average Bank Balance, and account activity patterns. These insights can support preliminary loan opportunity assessment when evaluating self employed borrowers.

No. CypherQuick provides banking insights and indicative eligibility assessments only. Final approval, sanction amount, interest rates, and lending decisions remain entirely at the discretion of the respective lender.

No. CypherQuick currently focuses on bank statement analysis and banking behaviour assessment. Credit bureau checks, CIBIL verification, and score based lending decisions are not part of the platform.

No. CypherQuick is designed to support preliminary assessment and opportunity identification. Formal underwriting involves additional factors such as credit history, income verification, documentation, and lender specific policies.

Yes. Users can upload multiple bank statements, multiple accounts, applicant statements, and co applicant statements. The platform analyzes the information and generates consolidated banking insights.

Reports are generally generated within minutes of uploading the bank statements. This allows loan professionals to obtain banking insights and eligibility indications while interacting with customers.

No. CypherQuick works through WhatsApp, eliminating the need for software installation, system configuration, or complex onboarding processes.

Yes. Since the platform operates through WhatsApp, users can access and utilize CypherQuick directly from their mobile devices, making it suitable for field visits and customer meetings.

CypherQuick currently supports indicative assessments for Home Loans, Loan Against Property (LAP), and Business Loans. Additional products may be introduced as the platform evolves.

Most tools stop at generating bank statement summaries. CypherQuick goes further by providing bank wise eligibility insights, product wise eligibility insights, ABB analysis, existing obligation review, and WhatsApp based processing in a single workflow.

CypherQuick follows an affordable pay per use model. Insights are ₹50 per account and Insights with loan eligibility are ₹100 per account. This makes it accessible for individual DSAs, loan consultants, and agencies of all sizes.

You receive a comprehensive, ready-to-use Excel report containing date wise categorized transactions, daily closing balances, auto-detected EMIs, and indicative loan eligibility across multiple banks for Business Loan, Home Loan, and Loan Against Property.

Yes. Reports are password-protected, and all data is deleted from our servers once the report is generated. CypherQuick does not retain customer bank statements after processing.

Most reports are ready within about 3 minutes of uploading the bank statement PDF on WhatsApp.

Support is available Monday to Saturday, 10:30 AM to 6:30 PM.