KreditBeeDvar

Underwriting copilot

Bank statements read line by line, the memo computed in code

A small model labels each line of a three-month Account Aggregator statement: salary, another lender's EMI, a loan just taken elsewhere, a bounce charge, betting. Code computes income, FOIR and the policy decision from those labels, so an analyst sees exactly which label moved the number.

Internal benchmark on synthetic data · run run-20261022172936-test · 2026-10-22 · 3 models, same instruction

A10 · Account Aggregator statement · Jul to Sep 2026 · 52 lines

Suresh Joshi, Lucknow · employer Orbit Logistics India · declared ₹31,000 a month · asks ₹30,000 over 15 months at 22%

Dvar small model: 52/52 lines labelled as the analyst would
DateNarrationDebitCreditModel label
07-03IMPS-695334554952-ORBIT LOGISTICS INDIA-SAL JUL31,000Salary
07-05ACH D- KSHITIJ NBFC LTD-EMI49972,400EMI to another lender
07-06IMPS-698092729807-SHWETA NAIK-SMPL-XXXXXXX5646-RENT5,600Rent
07-08UPI-SANTOSH SINGH-santosh@okhdfc-670695855445-SPLIT1,672To or from a person
07-10NACH DR MOOLYA CAPITAL 3158831,600EMI to another lender
07-11ATW-465692XXXXXX3294-S1ANHB51-MYSURU2,000Cash withdrawal
07-11UPI-SHOPMANDI-shopmandi@ybl-687965123704-PAYMENT2,178Spend
07-12UPI-METRO MEDICALS-metromedicals@ybl-613058227440-PAYMENT1,389Spend
07-12IMPS-686813110206-SURESH JOSHI-OWN A/C TRF2,254Own account
07-14UPI-CITY WATER BOARD-billpay@ybl-6944015503161,655Utility bill
07-14UPI-MOBILEPE RECHARGE-mobileperecharge@ybl-674743939912-PAYMENT1,382Spend
07-15POS 497828XXXXXX3479 BIGCART SUPERMARKET1,874Spend
07-18UPI-CITYCAB RIDES-citycabrides@ybl-679885019804-PAYMENT1,665Spend
07-24UPI-FRESHKART-freshkart@ybl-612097193999-PAYMENT888Spend
07-24UPI-QUICKBITE FOODS-quickbitefoods@ybl-644878673809-PAYMENT1,683Spend
07-26UPI-CHAI POINT 24-chaipoint24@ybl-625075677619-PAYMENT1,771Spend
07-27UPI-CITYCAB RIDES-citycabrides@ybl-637998128519-PAYMENT1,254Spend
08-01UPI-BIGCART SUPERMARKET-bigcartsupermarket@ybl-635964878299-PAYMENT2,312Spend
08-01UPI-CHAI POINT 24-chaipoint24@ybl-675858582463-PAYMENT1,462Spend
08-02UPI-SHOPMANDI-shopmandi@ybl-678992540901-PAYMENT760Spend
08-03BY SALARY ORBIT LOGISTICS INDIA AUG202631,000Salary
08-03UPI-QUICKBITE FOODS-quickbitefoods@ybl-686580143310-PAYMENT1,144Spend
08-04IMPS-623702812264-SHWETA NAIK-SMPL-XXXXXXX5985-RENT5,600Rent
08-05ACH D- KSHITIJ NBFC LTD-EMI72452,400EMI to another lender
08-09UPI REV-FRESHKART-678016222198-REFUND496Refund
08-10ACH D- MOOLYA CAPITAL-EMI77391,600EMI to another lender
08-10POS 402623XXXXXX7103 METRO MEDICALS1,831Spend
08-13POS 406346XXXXXX4270 CHAI POINT 242,013Spend
08-15UPI-INDANE GAS-billpay@ybl-6061887112211,674Utility bill
08-16UPI-BIGCART SUPERMARKET-bigcartsupermarket@ybl-606872788025-PAYMENT295Spend
08-16IMPS-687916376278-SURESH JOSHI-OWN A/C TRF5,418Own account
08-18ATW-486250XXXXXX1755-S1ANMY87-BELAGAVI5,000Cash withdrawal
08-24UPI-FRESHKART-freshkart@ybl-642197797726-PAYMENT2,144Spend
08-24UPI-SANTOSH SINGH-santosh@okhdfc-635604474530-PAYMENT FROM PHONE765To or from a person
09-03IMPS-697219532169-ORBIT LOGISTICS INDIA-SAL SEP31,000Salary
09-04UPI-BIGCART SUPERMARKET-bigcartsupermarket@ybl-612396215647-PAYMENT1,812Spend
09-05NACH DR KSHITIJ NBFC LTD 1685052,400EMI to another lender
09-06UPI-SHWETA NAIK-shweta@okaxis-RENT SEP5,600Rent
09-07UPI-QUICKBITE FOODS-quickbitefoods@ybl-654951627063-PAYMENT766Spend
09-08UPI-RAILYATRI TICKETS-railyatritickets@ybl-694459799374-PAYMENT1,383Spend
09-08IMPS-689339924696-SURESH JOSHI-OWN A/C TRF2,064Own account
09-10ACH D- MOOLYA CAPITAL-EMI34401,600EMI to another lender
09-11NEFT CR-SMPL0009876-MOOLYA CAPITAL-LN DISB 54625540,000Loan from another lender
09-12UPI-CITY WATER BOARD-billpay@icici-6342607260912,144Utility bill
09-12UPI-QUICKBITE FOODS-quickbitefoods@ybl-637257667165-PAYMENT466Spend
09-13UPI-MOBILEPE RECHARGE-mobileperecharge@ybl-660299021238-PAYMENT1,742Spend
09-16ATW-414417XXXXXX9049-S1ANNG11-JAIPUR5,000Cash withdrawal
09-18UPI-SANTOSH SINGH-santosh@okhdfc-639305629953-PAYMENT FROM PHONE2,467To or from a person
09-27POS 486268XXXXXX6956 FRESHKART1,002Spend
09-27POS 499751XXXXXX4174 BIGCART SUPERMARKET1,201Spend
09-27POS 420644XXXXXX2828 RAILYATRI TICKETS1,841Spend
09-30INT.PD:01-07-2026 TO 30-09-202660Interest

Memo from Dvar small model's labels

refer
Salary a month
₹31,000
Months with salary
3 of 3
EMIs to other lenders
₹4,000
This loan's EMI
₹2,306
FOIR
20%
Bounce charges
0
Betting share of debits
0.0%
New loans from others
1

Why: 1 new loan from another lender.

Memo from the analyst's labels

refer
Salary a month
₹31,000
Months with salary
3 of 3
EMIs to other lenders
₹4,000
This loan's EMI
₹2,306
FOIR
20%
Bounce charges
0
Betting share of debits
0.0%
New loans from others
1

Why: 1 new loan from another lender.

What if the ₹40,000 loan credit from another lender were labelled salary?

Behind the answer

Model
dvar:glm-5.3-flash
Time
8.69 s
Cost per statement
$0.0016
Scorer
52/52 lines, same decision

Run run-20261022172936-test, 2026-10-22. Same instruction for every model, temperature 0. Cost is from tokens and list prices.

The sample policy, applied in code

The model never sees this policy or computes a number. It labels lines; code adds them up and decides. A wrong label shows up as a wrong number in the memo, and the scorer catches it.

All 21 test statements, every model

ModelLines rightSame decision as the analystStatements with a critical failurep50Cost per 1,000 statements
Dvar small modeldvar:glm-5.3-flash100.0% (933/933)21/2106.20 s$1.07
Low-cost frontieropenai/gpt-6-luna100.0% (933/933)21/210617 ms$0.45
Mid-tier frontieranthropic/claude-sonnet-5.5100.0% (933/933)21/210551 ms$9.60

Run run-20261022172936-test.

Written for the demo: every applicant, employer, lender and merchant, the statements and the analyst's labels, and the sample credit policy (not any lender's). Computed here: every label score, memo figure, decision, latency and cost, from the frozen run.