Financial crimes encompass a wide range of illegal activities related to money, including fraud, money laundering, corruption, embezzlement, and various forms of white-collar crime.
These groups aim to detect, investigate, and mitigate such activities to maintain the integrity of financial systems and protect individuals and businesses from financial harm.
Use Cases
Fraud Detection and Prevention
Employing advanced analytics to identify and prevent fraudulent transactions, protecting customers and the bank from financial losses.
Money Laundering Prevention
Ensuring strict adherence to anti-money laundering (AML) regulations to detect and prevent illicit financial activities within the banking system.
Cybercrime and Digital Fraud Prevention
Implementing proactive cybersecurity measures to combat digital threats and fraudulent activities targeting insurance companies and policyholders.
Identity Theft Prevention
Safeguarding against identity theft to protect policyholders' personal information and maintain the integrity of insurance processes.
Insider Trading Monitoring
Monitoring and preventing illegal insider trading activities within financial institutions to maintain market integrity and protect investors.
Credit Card and Payment Fraud Prevention
Implementing measures to identify and prevent unauthorized credit card transactions and payment fraud in financial service transactions.
Terrorist Financing Prevention
Detecting and disrupting financial activities that may contribute to terrorist financing, ensuring compliance with global counter-terrorism measures.
Corruption and Bribery Investigations
Investigating and preventing corrupt practices by individuals or entities within the financial sector through coordinated efforts and regulatory compliance.
Regulatory Compliance Monitoring
Ensuring adherence to financial regulations, including know your customer (KYC) and customer due diligence (CDD) requirements, to mitigate legal and compliance risks.
Cross-Border Financial Crime Collaboration
Facilitating international cooperation to address cross-border financial crimes and money laundering activities.
Anti-Money Laundering (AML)
Know Your Customer (KYC) Compliance
Fraud Prevention and Detection
Cybersecurity
Transaction Monitoring
Customer Education and Awareness
Whistleblower Mechanism
Fraud Prevention and Detection in Insurance
Know Customer (KYC) Compliance in Insurance
Customer Protection Measures
Compliance Reporting to IRDAI
Inspection and Audit Compliance
Product Approval and Compliance
Customer Grievance Redressal
Insider Trading Prevention
Market Manipulation Detection
Fraud Prevention & Reporting in Securities Market
Transaction Monitoring in Securities Market
Cross-Border Transactions
Regulatory Reporting and Compliance
Investor Education and Protection
| Sr.no | Requirement Type(STD) | Template (Type-T,Variant-V) | Rule Count | Rule Behavior |
|---|---|---|---|---|
| 1 |
|
PAN CARD
T (2), v (8) |
|
|
| 2 |
|
AADHAR CARD (STD) T (4), V (9) |
|
|
| 3 |
|
AADHAR CARD (non STD) T (4), V (9) |
|
|
| 4 |
|
PASSPORT T (2), V (4) |
|
we also support MRZ reading |
| 5 |
|
DRIVING LICENCE T (77), V (115) |
|
None |
| 6 |
|
VOTER ID T (92), V (161) |
|
None |
| 7 |
|
ITR 1-6 T (6), V (6) |
|
None |
| 8 |
|
FORM 16 A-B T (2), V (2) |
|
None |
| 9 |
|
FORM 26 AS
(1), V (1) |
|
None |
| 10 |
|
SALARY SLIP (NON-STD) (100+), V (500+) |
|
None |
| 10 |
|
BANK STATEMENT (50+), V (150+) |
|
None |
| Rule No. | Document Type | Trigger | OCR Rule | Match Rule | Additional Mapping if any |
|---|---|---|---|---|---|
| 1 | Driving License | Date of Birth in specified format | Date of Birth in specified format DD MM YYYY, format can "-" or "/" as seperator in dates | Date of Birth in specified format of DD MM YYYY, if it matches with master data then send True Match, else False match | |
| 2 | Driving License | Driving License Validity - Individual | License should be valid for minimum 18 years from the date of issue till the time license holder attends 50 years of age, whichever happens earlier. Applicable for Individual bearing LMV or MCWG type of License. | If difference of Valid date & issue date is >= 18 years, then send True match else false match | |
| 3 | Driving License | Driving License Validity - Commercial | License is valid for 3 years.Type will be other than LMV, MCWG & MCWOG | If difference of Valid date & issue date is = 3 years, then send True match else false match | |
| 4 | Driving License | Smart Card Identification | Smart Card DL should be Chip based witrh chip embossed on th left hand side of the card and photo of license holder is on the right side of the Card | Check positioning of the chip & photo, if match send true match else false match | NA |
| 5 | Driving License | Physical Driving Licence | Manual Driving License has photo of card holder where photo pasted on the right hand side of card and card holder signature portion is given back side of the card | Check positioning of the chip & photo, if match send true match else false match | NA |
| 6 | Driving License | DL Zone mapping | 1st four characters of DL number should match with License owner pincode | Master to be prepared for mapping | NA |
| Rule No. | Document Type | Trigger | OCR Rule | Match Rule | Additional Mapping if any |
|---|---|---|---|---|---|
| 1 | Voter ID | Voter ID Card | Voter ID number in front and back page should match except for Smart voter card. (Smart Voter card does not have VID number on back side.), Date in the field ‘Age as on‘ (front page) will always be less than the date of issue (2nd page) | Match 10 digit alphanumeric Voter ID number in front and back page should match. Date in the field ‘Age as on‘ (front page) will always be less than the date of issue (2nd page). If match send true match else false match | NA |
| 2 | Voter ID | Voter ID Smart Card | Smart Voter Card has 10 digit in which first 3 letters are alphabet and rest 7 are numeric digit | check 10 digits in which first 3 characters are alpha rest 7 are numeric characters. If yes, send true match else false match | NA |
| 3 | Voter ID | Signature of Authority | Signature of the issuing authority should be in the form of Stamp on back/second page of voter card (excluded for Smart voter card). Signature is not done physically by pen on voter card. | Check for signature of authority on the back page, if available send True match else false match | NA |
| 4 | Voter ID | Address Mismatch | complete address should match with Application form. | check Hosue Number, state name, pincode , if match send true match else false match | NA |
| 5 | Voter ID | Father Name Mismatch | Father Name Mismatch when checked with authority | Check Father Name with application form , if match send true match else false match | NA |
| Rule No. | Document Type | Trigger | OCR Rule | Match Rule | Type of ITR (E-verified, Digital / without digital / Manual ITR) | Additional Mapping if any | Rule type | Employment type |
|---|---|---|---|---|---|---|---|---|
| 1 | ITR | Different name of applicant on application form then ITR | check for mismatch if any between applicant name mentioned on application form then ITR | Check for applicant name on Application form match with name on ITR. If match send "True Match" flag, if no match send "False Match" flag | E-verified, Digital / without digital | PAN | Universal | Both |
| 2 | ITR | PAN of Assessee should be 10 alphanumeric identifier then should not be blank | Check for 10 alphanumeric identifier PAN of Assesse mentioned on form 16. | Check for PAN of Assessee mentioned on form 16. If it is made of 10 alphanumeric identifier send "True Match" flag, if no send "False Match" flag | E-verified, Digital / without digital | PAN | Universal | Both |
| 3 | ITR | 4th alphabet of PAN should match with status of entity | "if 4th character of PAN is P then status should be Individual if 4th character of PAN is C then status should be Company if 4th character of PAN is H then status should be HUF if 4th character of PAN is F then status should be Firm if 4th character of PAN is E then status should be LLP if 4th character of PAN is G then status should be Government if 4th character of PAN is T then statu should be Trust if 4th character of PAN is L then status should be Local Authority if 4th character of PAN is J then status should be Artificial juridical person if 4th character of PAN is A then status should be Association of persons(AOP) if 4th character of PAN is B then status should be Body of individuals(BOI) " | "if 4th character of PAN is P then status is Individual send True Match match or else capture it as False Match if 4th character of PAN is C then status is Company send True Match match or else capture it as False Match if 4th character of PAN is H then status is HUF send True Match match or else capture it as False Match if 4th character of PAN is F then status is Firm send True Match match or else capture it as False Match if 4th character of PAN is E then status is LLP send True Match match or else capture it as False Match if 4th character of PAN is G then status is Government send True Match match or else capture it as False Match if 4th character of PAN is T then status is Trust send True Match match or else capture it as False Match if 4th character of PAN is L then status is Local Authority send True Match match or else capture it as False Match if 4th character of PAN is J then status is Artificial juridical person send True Match match or else capture it as False Match if 4th character of PAN is A then status is Association of persons(AOP) send True Match match or else capture it as False Match if 4th character of PAN is B then status is Body of individuals(BOI) send True Match match or else capture it as False Match" | All ITR | PAN | Both | |
| 4 | ITR | 4th character of applicant's PAN in case of ITR -1, ITR-2, itr-3, should be 'P' | Check for 4th alphabet of PAN of assessee in case of ITR -1, ITR-2, itr-3, should be 'P' | Check for 4th alphabet of PAN of assessee in case of ITR -1, ITR-2, itr-3, should be 'P' if yes send True Match match if no send False Match match | E-verified, Digital / without digital | NA | "Salaried Self employed (individual)" | |
| 5 | ITR | 4th character of applicant's PAN in case of ITR -5 is either 'F' or 'E' or 'A' or 'B' or | Check for 4th character of applicant's PAN in case of ITR -5 should be either 'F' or 'E' or 'A' or 'B' | Check for 4th character of applicant's PAN in case of ITR -5 is either 'F' or 'E' or 'A' or 'B' if yes send True Match match if yes send True Match if no send False Match | All ITR | NA | Both | |
| 6 | ITR | 4th character of applicant's PAN in case of ITR -4 is either 'P' or 'F' | Check for '4th character of applicant's PAN in case of ITR -4 should either 'P' or 'F' | Check for '4th character of applicant's PAN in case of ITR -4 should either 'P' or 'F' if yes send True Match if no send False Match | All ITR | NA | Both | |
| 7 | ITR | 4th character of applicant's PAN in case of ITR -6 should be 'C' | check for 4th character of applicant's PAN in case of ITR -6 should be 'C' | check for 4th character of applicant's PAN in case of ITR -6 should be 'C', if yes send True Match flag if no send False Match flag | All ITR | NA | Both | |
| 8 | ITR | 1st alphabet of surname of assessee should be 5th alphabet of PAN of assessee in case 4th alphabet of PAN is P. | Check 1st alphabet of surname of assessee should be 5th alphabet of PAN of assessee in case 4th alphabet of PAN is P. | Check 1st alphabet of surname of assessee should be 5th alphabet of PAN of assessee in case 4th alphabet of PAN is 'P'. If yes send True Match flag if no send fasle flag | E-verified, Digital / without digital | NA | "Salaried Self employed (individual)" | |
| 9 | ITR | 1st alphabet of name of assessee should be 5th alphabet of PAN of assessee in case 4th alphabet of PAN is not P. | 1st alphabet of name of assessee should be 5th alphabet of PAN of assessee in case 4th alphabet of PAN is not 'P'. | 1st alphabet of name of assessee should be 5th alphabet of PAN of assessee in case 4th alphabet of PAN is not P. If yes send True Match flag if no send False Match flag | All ITR | NA | Both | |
| 10 | ITR | PAN of assessee showing on other name on NSDL site | Check for PAN of assessee online at NSDL site. | Check for PAN of assessee at NSDL site If match send "True Match" flag, if no match send "False Match" flag | E-verified, Digital / without digital | NA | Both | |
| 11 | ITR | E-filing acknowledgement number should be 15 digits | Check E-filing acknowledgement number digit count | Check E-filing acknowledgement digit count if it is 15 digit send "True Match" flag, if no match send "False Match" flag | E-verified, Digital / without digital | NA | Both | |
| 12 | ITR | Last 6 digit of E-filing acknowledgement should match with date of filing of ITR | Check last 6 digit of E-filing acknowledgement number with date of filing of ITR in DD-MM-YY format | Check last 6 digit of E-filing acknowledgement number if it matched with date of filing of ITR send "True Match" flag, if no match send "False Match" flag | E-verified, Digital / without digital | NA | Both | |
| 13 | ITR | Bar code (PDF417) data of without digital signed ITR-V should match with 67 alphanumeric character prinited below Bar code. | Decode PDF417 code of ITR then match with with 67 alphanumeric identifier. | Decode PDF417 code of ITR then match with with 67 alphanumeric identifier if match send "True Match" flag, if no match send "False Match" flag | without digital | NA | Both | |
| 14 | ITR | First 10 character of 67 alphanumeric identifier should match with PAN of assessee | First 10 character of 67 alphanumeric identifier should match with PAN of applicant | Check first 10 character of 67 alphanumeric identifier if it matches with PAN of applicant send "True Match" flag, if no match send "False Match" flag | without digital | NA | Both | |
| 15 | ITR | 11th then 12th character of 67 alphanumeric identifier should match with ITR form number | 11th then 12th character of 67 alphanumeric identifier should match with ITR form number | "Check 11th then 12th character of 67 alphanumeric identifier if it matches with ITR form number If ITR form 1 then 11th & 12th digit will be 01 If ITR form 2 then 11th & 12th digit will be 02 If ITR form 3 then 11th & 12th digit will be 03 If ITR form 4 then 11th & 12th digit will be 04 If ITR form 4S then 11th & 12th digit will be 44 If ITR form 5 then 11th & 12th digit will be 05 If ITR form 6 then 11th & 12th digit will be 06 send ""True Match"" flag, if no match send ""False Match"" flag " | without digital | NA | Both | |
| 16 | ITR | 13th to 27th characters of 67 alphanumeric identifier should match with E-filing acknowledgement | 13th to 27th characters of 67 alphanumeric identifier should match with E-filing acknowledgement | Check 13th to 27th character of 67 alphanumeric identifier if it matches with E-filing acknowledgement send "True Match" flag, if no match send "False Match" flag | without digital | NA | Both | |
| 17 | ITR | Manual ITR should be filed by individual and HUF only by checking 4th character of PAN. 4th character should be P or H | Manual ITR should be filed by individual and HUF only. 4th aplphabate of PAN of assessee should only be P or H | Check manual ITR if filed by individual/HUF if yes send "True Match" flag, if no match send "False Match" flag | manual ITR | NA | Both | |
| 18 | ITR | Total income of manual ITR should be less than 5,00,000 | Total income of manual ITR should be less than 5,00,000 | Check manual ITR if total income less than 5,00,000 send "True Match" flag, if no match send "False Match" flag | manual ITR | NA | Both | |
| 19 | ITR | There should be no refund in manual ITR | There should be no refund amount mentioned in manual ITR | Check manual ITR if any amount is mentioned under "Refund" overhead , if No send "True Match" flag, if yes send "False Match" flag | manual ITR | NA | Both | |
| 20 | ITR | Check status online ITR at income tax site | Check status of online ITR at income tax site | Check status online ITR at income tax site if return status conatins word "processed" or "filed" send "True Match" flag if no send "False Match" flag | All ITR | NA | Both | |
| 21 | ITR | Tax payable on total taxable income should not be according to tax slabs | Check for amount of tax payable on total taxable income on tax calculator | Check for amount of tax payable on total taxable income on tax calculator If match send "True Match" flag, if no match send "False Match" flag | All ITR | NA | Both | |
| 22 | ITR | Date of filing should be in DD-MM-YYYY numeric format. | Check Date of filing should be in DD-MM-YYYY numeric format | Check Date of filing should be in DD-MM-YYYY numeric format. If yes send True Match flag if no send send False Match flag | E-verified, Digital / without digital | NA | Both | |
| 23 | ITR | Date of Electronically uploading of ITR should match with Date of filing of ITR | Check date of Electronically uploading of ITR should match with Date of filing of ITR | Check date of Electronically uploading of ITR should match with Date of filing of ITR. If yes send True Match flag if no send False Match flag. | E-verified, Digital / without digital | NA | Both |
| Rule No. | Document Type | Trigger | OCR Rule | Match Rule | Additional document for same rule | API integration | Rule type |
|---|---|---|---|---|---|---|---|
| 1 | Form 16 Part A | Different name of employer on application form and salary slip and Form 16 | Check for mismatch if any between name of employer mentioned on application form and salary slip and form 16. | Check for employer name on Application form and salary slip and match with Name of employer on Form 16, if match send "True" flag, if no match send "False" flag | Salary slips | NO | Universal |
| 2 | Form 16 Part A | Different name of applicant on application form and salary slip and Form 16 | check for mismatch if any between applicant name mentioned on application form and salary slip and form 16 | Check for applicant name on Application form/ salary slip match with name of employee on Form 16. If match send "True" flag, if no capture as "False" | Salary slips | NO | Universal |
| 3 | Form 16 Part A | PAN of deductor(company) should not be blank and should be 10 alphanumeric character | Check for 10 alphanumeric identifier PAN of deductor mentioned on form 16. | Check for PAN of deductor mentioned on form 16. If it is 10 alphanumeric identifier send "True" flag, if no capture as "False" | NA | NO | Universal |
| 4 | Form 16 Part A | First 5 characters for the PAN of deductor (company) are alphabet 6th to 9th characters are digits and 10th character is an alphabet. In case employer is limited company (i.e. company name ends with limited) 4th alphabet of PAN of deductor should be 'C'. 1st alphabet of Name of employer, should be the 5th alphabet of PAN of deductor. | Check for PAN of company first 5 character are alphabet 6th to 9th character are digits and 10th character is an alphabet. Check for 4th alphabet of PAN of deductor mentioned on form 16. If company name ends with Limited or Private Limited then 4th alphabet should be C. Check for 1st alphabet of Name of employer it should match with 5th alphabet of PAN of deductor. | Check for PAN of company first 5 character are alphabet 6th to 9th character are digits and 10th character is an alphabet if match send "True" flag, if no capture as "False" Check for PAN of deductor mentioned on form 16. If 4th alphabet of PAN is C when name of employer ends with Private Limited or Limited send "True" flag, if no send "False" flag. Check for PAN of deductor mentioned on form 16. If 1st alphabet of emmployer name is 5th alphabet of PAN send "True" flag, if no send "False" flag. | NA | NO | Universal |
| 5 | Form 16 Part A | PAN of deductor showing in the name of other than name of employer | Check for PAN of dedcutor online at NSDL site. | Check for PAN of dedcutor online at NSDL site If match send "True" flag, if no match send "False" flag | NA | YES | Universal |
| 6 | Form 16 Part A | TAN should not be blank and TAN of deductor(company) should be 10 alphanumeric identifier. | Check for 10 alphanumeric identifier TAN of deductor mentioned on form 16. Check for 4th alphabet of TAN of deductor mentioned on form 16. 4th alphabet of TAN of deductor should be 1st alphabet of compnay name. | Check for TAN of deductor mentioned on form 16. If it is made of 10 alphanumeric identifier send "True" flag, if no send "False" flag. Check for TAN of deductor mentioned on form 16. If 4th alphabet of TAN is the 1st alphabet of employer name send "True" flag, if no send "False" flag | FORM 26AS | NO | |
| 7 | Form 16 Part A | 1st alphabet of Name of employer, should be the 4th alphabet of TAN of deductor. | Check for 4th alphabet of TAN of deductor mentioned on form 16. 4th alphabet of TAN of deductor should be 1st alphabet of compnay name. | Check for TAN of deductor mentioned on form 16. If 4th alphabet of TAN is the 1st alphabet of employer name send "True" flag, if no send "False" flag | NA | NO | |
| 8 | Form 16 Part A | TAN of deductor showing in the name of company | Check for TAN of dedcutor online at income tax site. | Check for TAN of dedcutor online at income tax site If match send "True" flag, if no match send "False" flag. | NA | YES | |
| 9 | Form 16 Part A | PAN of employee should not be blank and should be 10 alphanumeric identifier. | Check for 10 alphanumeric identifier PAN of employee mentioned on form 16. | Check for PAN of employee mentioned on form 16. If it is made of 10 alphanumeric identifier send "True" flag, if no send "False" flag | PAN/ ITR | NO | |
| 10 | Form 16 Part A | P' should be 4th character of applicant's PAN | 4th alphabet of PAN of employee mentioned on form 16 should be 'P' | Check for PAN of employee mentioned on form 16. If 4th alphabet of PAN is P send "True" flag, if no send "False" flag | NA | NO | |
| 11 | Form 16 Part A | 1st alphabet of Surname of employee should be 5th alphabet of PAN of employee | Check for 5th alphabet of PAN of deductor mentioned on form 16. 5th alphabet of PAN of deductor should be 1st alphabet of applicant surname | Check for PAN of employee mentioned on form 16. If 5th alphabet of PAN is the 1st alphabet of surname send "True" flag, if no send "False" flag | NA | NO | |
| 12 | Form 16 Part A | PAN of employee showing in the name of employee at NSDL site | Check for PAN of employee online at NSDL site. | Check for PAN of employee at NSDL site If match send "True" flag, if no match send "False" flag | API | YES | |
| 13 | Form 16 Part A | In "Summary of amount paid/ credited and tax deducted at source thereon in respect of employee" amount of tax deposited/ remitted should match with tax deposited in respect of dedcutee in "Details of tax deducted and deposited in the central government account through challan" on Form 16 part A | In "Summary of amount paid/ credited and tax deducted at source thereon in respect of employee" amount of tax deposited/ remitted should match with tax deposited in respect of dedcutee in "Details of tax deducted and deposited in the central government account through challan" on Form 16 part A | Check for amount of tax deposited/ remitted mentioned in "Summary of amount paid/ credited and tax deducted at source thereon in respect of employee" should match tax deposited in respect of dedcutee in "Details of tax deducted and deposited in the central government account through challan" If match send "True" flag, if no match send "False" flag | NA | NO | |
| 14 | Form 16 Part B | Tax payable on total taxable income should be according to tax slabs(tax calculator required) | Check for amount of tax payable on total taxable income on tax calculator | Check for amount of tax payable on total taxable income on tax calculator If match send "True" flag, if no match send "False" flag | NA | YES | |
| 15 | Form 16 Part A | BSR Code of the Bank branch should be 7 digits only | BSR Code of the Bank branch should be 7 digits only | Check for BSR code of Bank branch if it consist of 7 digists send "True" flag, if no match send "False" flag | NA | NO | |
| 16 | Form 16 Part B & PART B | Form 16 should have digital signature | Check digital signature at the end of the page of form 16 | Form 16 should have digital signature, check for "digitally signed by" if available send "True" flag, if no match send "False" flag | NA | NO | |
| 17 | Form 16 Part B & PART B | Decode Bar code value, should match to the value written on top of bar code | Bar code value should match to the value written on top of bar code | If value of decoded bar code is matching with value mentioned on top of bar code send true flag or else send false flag | NA | NO |
| Rule No. | Document Type | OCR Rule | Match Rule | Additional Document for mapping |
|---|---|---|---|---|
| 1 | Bank Statement | Interest credit entry in saving bank account should be within 3 month | "Interest credit entry in saving bank account should be as below not in all salary slips. Co-operative Bank - once in 3 months Public sector Bank - once in 3 months Private sector Bank - once in 6 months If interest element available then send 'True' flag' or else send 'False flag'." | LPDEL00035444133_BS_Rule1 |
| 2 | Bank Statement | Interest transactions happening on national holidays | If any interest credit transaction is recorded on national holidays. e.g. Interest credited on Oct 2 of that year and 29th feb if it is not a leap year send 'True' flag' or else send 'False flag'. | LADEL00035415536_BS_Rule2 |
| 3 | Bank Statement | Salary credit transactions should not happen on national holidays | If any salary credit transaction is recorded on national holidays. e.g. salary credited on Aug 15 of that year and 29th feb if it is not a leap year, then send 'True' flag' or else send 'False flag'. | LULUC00035625453_BS_Rule3 |
| 4 | Bank Statement | Salary credit transactions happening on Bank holidays | In Bank Statement salary credits should be done except Sunday/Public holiday/2nd and 4th Saturday & 29th feb if it is not a leap year. then send 'True' flag' or else send 'False flag'. | LULUC00035625453_BS_Rule4 |
| 5 | Bank Statement | Salary Credit cannot be done via mobile or UPI | Narration for salary credit cannot contain words like mobile fund/UPI/IMPS then send 'True' flag' or else send 'False flag'. | LTLUC00036301303_BS_Rule5 |
| 6 | Bank Statement | current month & month in the narration of Salary should match | Check for current month in the Bank statement, it should match with the month mentioned in the narration of the salary credit then send 'True' flag' or else send 'False flag'. | |
| 7 | Bank Statement | Transaction date in bank statement should be in sequencial order | Entry date in bank statement should be in sequence. E.g. entry of 12th jun should be after the entry of 11th june not after the entry of 15th June or also one of the debit entry was found on Sunday, then send 'True' flag' or else send 'False flag'. | |
| 8 | Bank Statement | Transaction & its date repeated in all pages of the bank statement | transaction entry & date both are repeated on all the pages of the Bank statement then send 'True' flag' or else send 'False flag'. | |
| 9 | Bank Statement | same cheque number visible on two different dates | check for narration in Bank statement for cheque deposit/withdrawal. Same cheque number should not be repeated more than once,then send 'True' flag' or else send 'False flag'. | LAFIR00035919489_BS_Rule9 |
| 10 | Bank Statement | Font mismatch in narrations | Font mismatch in narrations between various pages of the available Bank statement ,then send 'True' flag' or else send 'False flag'. | LPSMR00037026088_BS_Rule10 |
| 11 | Bank Statement | ATM Withdrawals having amount not being multiple of 100 | "check for ATM transaction 'amount', it cannot be 0 or other than multiple of 100 e.g. withdrawal amount is 5000 i.e 100* 50 , remainder = 0 is a valid transaction. Whereas withdrawal amount is 5672 i.e 100*50 +remainder value = 72 should be flagged as 'True' flag' or else send 'False flag'." | |
| 12 | Bank Statement | "RTGS Transactions lesser than minimum amount limit as prescribed by RBI." | Check for RTGS transaction amounts, it cannot be less than Rs 2.00 lakhs, then send 'True' flag' or else send 'False flag'. | |
| 13 | Bank Statement | Tax Payment amounts are usually not round figures, such as multiple of 100. | "1. Tax payments, sales tax, income tax etc. will unlikely be in absolute numbers i.e it will not be in multiples of 100 e.g. 10,000/20,000/1,00,000 etc. 2. Such transactions mostly will be in non-absolute values such as 2436 / 5678.50 /104599.78 etc then send 'True' flag' or else send 'False flag'." | |
| 14 | Bank Statement | NEFT and IMPS Transactions having cheque number in its narration | Any Transactions which has NEFT/IMPS in narration along with cheque number mentioned in it,then send 'True' flag' or else send 'False flag'. | |
| 15 | Bank Statement | "Salary debit transactions in bank statement" | Salary transaction should be a credit transaction & not a debit transaction in the bank statement,then send 'True' flag' or else send 'False flag'. | |
| 16 | Bank Statement | RTGS transactions done on bank holidays/National holidays | check if any RTGS transactions is recorded on bank holidays/national holidays e.g. RTGS transaction on JAN 26,then send 'True' flag' or else send 'False flag'. | |
| 17 | Bank Statement | Cash deposit done on bank holidays/National holidays | "If any cash deposit type transaction happens on bank holidays/national holidays , it should be identified. E.g Cash deposit transaction on Jan 26,then send 'True' flag' or else send 'False flag'." | LTDEL00037805506_BS_Rule17 |
| 18 | Bank Statement | if the company name in the salary slip is a Bank, then the name of the Bank should match in the Bank statement | if the company name in the salary slip is a Bank, then the name of the Bank should match in the Bank statement,then send 'True' flag' or else send 'False flag'. | |
| 19 | Bank Statement | Narration for salary credit Should not contain the word "ATM" | If the salary credit narration contains the word "ATM", same to be flagged as 'True' flag' or else send 'False flag'. | |
| 20 | Bank Statement | Transaction narration reflects more than once as Interest credit/ Int Credit/ Int Cr in one quarter (3 months). | Check for narration which has more than one interest credit/ Int Credit/ Int cr in a span of one quarter (3 months).,then send 'True' flag' or else send 'False flag'. | |
| 21 | Bank Statement | ATM withdrwals should always be more than 100 denomination | Check for ATM withdrawls is not less than 100 denomination,then send 'True' flag' or else send 'False flag'. | |
| 22 | Bank Statement | Cheque Deposit transactions done on bank holidays/National holidays | Cheque deposit in Bank Statement salary credits should not be done on Sunday/Bank holiday/National Holiday or 2nd and 4th Saturday of the month,then send 'True' flag' or else send 'False flag'. | LABAR00035712248_BS_Rule22 |
| 23 | Bank Statement | If there is eod balance mismatch due to dummy transactions | Check total of balance it should always be difference of Credit balance & Debit balance,then send 'True' flag' or else send 'False flag'. | LPDEL00033509007_BS_Rule23 |
| 24 | Bank Statement | Balance in a bank Statement should contain decimals and fraction (paise in balance) | Bank closing balance of a savings account should not be whole number,then send 'True' flag' or else send 'False flag'. | |
| 25 | Bank Statement | In case of current account, interest credit entry should not be there. | In current account, to check for any interest credit entry in the bank statement. If available, the same to be flagged as trigger, then send 'True' flag' or else send 'False flag'. | |
| 26 | Bank Statement | No Inconsistent/ not correct commas in transaction amount. (for e.g.: the amount of 100000 could be written as 100,000 or 1,00,000 & not as 1000,00) | If the commas in transaction amount is inconsistent/ not correct. (for e.g.: the amount of 100000 could be written as 100,000 or 1,00,000 & not as 1000,00). Such bank statements to be flagged as trigger,then send 'True' flag' or else send 'False flag'. | |
| 27 | Bank Statement | Transaction date format in bank statement should be same across the statement | Date format in bank statement should be in same. Eg. entry of 12th jan 2020 , if it's 12-Jan-2020 for one transaction other transaction date should be same format , not in the format of 12-01-2020 ,then send 'True' flag' or else send 'False flag'. | |
| 28 | Bank Statement | Name in Bank statement should match with name mentioned in PAN card | Name should be same in KYC and bank statement,then send 'True' flag' or else send 'False flag'. | |
| 29 | Bank Statement | Tansaction dates should be within the period for which the bank statement is generated/ provided. | Check if there is any mismatch in bank statement period & the transaction dates in the bank statement. For Eg., If the bank statement period is from 01.04.19 to 31.12.19. But the transactions observed in bank statement is from 01.04.19 to 20.01.2020. Such bank statements to be flagged,then send 'True' flag' or else send 'False flag'. | LPBHP00035205734_BS_Rule33 |
| 30 | Bank Statement | "No calculation error in transaction wise balance amount. For e.g., Previous closing balance - debit amount=current closing balance OR Previous closing balance + credit amount=current closing balance" | To check calculation errors in preceding and succeeding dates balances basis the credit & debit transaction, C/F & B/F,then send 'True' flag' or else send 'False flag'. | LTGUR00035284836_BS_Rule41 |
| 31 | Bank Statement | Savings account EOD balance can never be in negative | "check for type of account, end of day bank balance on any day in an Savings account is unlikely to be negative. For e.g.: When EOD balance is shown -10,000 for a savings account,then send 'True' flag' or else send 'False flag'." | |
| 32 | Bank Statement | frequent high cash deposits in the account than salary which a person receives. | check for cash deposit amount, frequent high Cash deposits than Salary amount entry in the bank account,then send 'True' flag' or else send 'False flag'. | |
| 33 | Bank Statement | Withdrawal of big amount of money soon after salary credit entry for same amount | check for big amount debit as same as salary amount in account immediately after the salary credit. Withdrawal narration is through ATM or cheque | |
| 34 | Bank Statement | Salary slip "Net Amount" should match with salary credit value | If Salary slip showing 45,015 as net salary then same amount should reflect in bank statement as salary credit,then send 'True' flag' or else send 'False flag'. | "FCPG-0001271990-Process_SS_Rule39 FCPG-0001271990-Process_BS_Rule39" |
| 35 | Bank Statement | NEFT transactions done on bank holidays/National holidays | check if any NEFT transactions is recorded on bank holidays/national holidays e.g. NEFT transaction on OCT 2 | |
| 36 | Bank Statement | Positive EOD balance should not be there in Overdraft account. | If the overdraft account statement with positive EOD balances to be flagged as trigger,then send 'True' flag' or else send 'False flag'. |
| Rule No. | Document Type | Trigger | OCR Rule | Match Rule | Additional Document for mapping |
|---|---|---|---|---|---|
| 1 | Salary Slip | Different Date of Joining (DOJ) mentioned in two or three months’ salary slip. (Different applicant details / data trigger) on salary slips. | Check for Date of Joining (DOJ) between the salary slips. If match send "True" flag, if no match send "False" flag | check for mismatch if any between set of various salary slips & Employee ID Card given by the applicant | NA |
| 2 | Salary Slip | Different DOB mentioned in two or three months’ salary slip. (Different applicant details / data trigger) on salary slips . | Check for Date of Birth (DOB) between the salary slips. If match send "True" flag, if no match send "False" flag | check for mismatch if any between set of various salary slips & ID Proofs given by the applicant | NA |
| 3 | Salary Slip | Different PAN Card Number mentioned in two or three months’ salary slip. (Different applicant details / data trigger) on salary slips . | Check for PAN number between the salary slips & application form. If match send "True" flag, if no match send "False" flag | check for mismatch if any between set of various salary slips & ID Proofs given by the applicant | NA |
| 4 | Salary Slip | Different Employee number mentioned in two or three months’ salary slip. (Different applicant details / data trigger) on salary slips . | Check for Employee number between the salary slips & employee card. If match send "True" flag, if no match send "False" flag | check for mismatch if any between set of various salary slips & Employee ID Card given by the applicant | NA |
| 5 | Salary Slip | Different PF number mentioned in two or three months’ salary slip. (Different applicant details / data trigger) on salary slips | Check for PF number between the salary slips. If match send "True" flag, if no match send "False" flag | check for mismatch if any between set of various salary slips given by the applicant | NA |
| 6 | Salary Slip | Different Designation mentioned in two or three months’ salary slip. (Different applicant details / data trigger) on salary slips | Check for Designation between the salary slips. If match send "True" flag, if no match send "False" flag | check for mismatch if any between set of various salary slips given by the applicant & with the application form for designation details | NA |
| 7 | Salary Slip | Employee PF amount calculation | PF amount should be deducted @12% of Basic pay for eg. PF amount will be 2400 for basic pay of Rs.20000 | PF amount calculation is incorrect, it should be deducted @12% of Basic pay for eg. PF amount will be 2400 for basic pay of Rs.20000 | NA |
| 8 | Salary Slip | Different ESIC number mentioned on two or three months’ salary slip. (Different applicant details / data trigger) on salary slips | Check for ESIC number between the salary slips. If match send "True" flag, if no match send "False" flag | check for mismatch if any between set of various salary slips given by the applicant | NA |
| 9 | Salary Slip | Salary amount mismatch in words and figures on salary slip | Check for amount & amount in words between the salary slips. If match send "True" flag, if no match send "False" flag | Salary amount mismatch in words and figures on salary slip | NA |
| 10 | Salary Slip | Date of Joining (DOJ) should not be on national holiday or on Sunday. | Check for DOJ, should not be a Sunday & National Holiday as oper NI Act. | Date of Joining (DOJ) should not be on national holiday or on Sunday. | NA |
| 11 | Salary Slip | Total of each head of gross income and deduction should tallied separately. | Check total of each head in the salary slip for Gross Income & Gross Deductions, difference of the two shouls be equal to Net Income. | "Net Income= Gross Income- deductions. Total of each head of gross income and deduction should tallied separately." | NA |
| 12 | Salary Slip | Number of month days mismatch with number of days mentioned on pay slip | Check for total number of days in a month | Total number days reflecting in the salary slip as “30” for the month of January March ,May,July,August ,October & December. instead of “31”. | NA |
| 13 | Salary Slip | Common Spelling mistake (as per list of commonly spell words) observed in salary slip. | Check for Spelling of "Conveyance" | Spelling mistmatch of Conveyance mentioned as "Convence" or something else | NA |
| 14 | Salary Slip | Common Spelling mistake (as per list of commonly spell words) observed in salary slip. | Check for Spelling of "Allowance" | Spelling mistmatch of Allowance mentioned as "Allwance" or something else | NA |
| 15 | Salary Slip | Common Spelling mistake (as per list of commonly spell words) observed in salary slip. | Check for Spelling of "Deductions" | Spelling mistmatch of Deductions mentioned as "Dedutions" or something else | NA |
| 16 | Salary Slip | Common Spelling mistake (as per list of commonly spell words) observed in salary slip. | Check for Spelling of "Attendance" | Spelling mistmatch of Attendance mentioned as "Attendence" or something else | NA |
| 17 | Salary Slip | Common Spelling mistake (as per list of commonly spell words) observed in salary slip. | Check for Spelling of "Department" | Spelling mistmatch of Department mentioned as "Depatment" or something else | NA |
| 18 | Salary Slip | Common spelling mistake in the salary slip | Check spellings of overheads like Telephone, commission, Reimbursement | "Spelling mistmatch (Telphone,commision,Reimbursemen)" | NA |
| 19 | Salary Slip | Salary credit narrations | For corporates, salary credit narrations cannot be like credited via Cash/Cheque | For corporates, salary credit narrations cannot be like credited via Cash/Cheque in Bank Statement & in Salary slip | NA |
| 20 | Salary Slip | Company Name | Company Name should match with application form details | check for company name, it should match between salary slips & with application form details, if different send flag | NA |
| 21 | Salary Slip | Customer Name | Customer Name should match with application form details | check for Customer Name , it should match between salary slips & with application form details | NA |
| 22 | Salary Slip | ESIC Number & its deductions | ESIC Number mentioned but amount not deducted | Check for ESIC number in the salary slips, if ESIC number is mentioned but no amount is deducted towards it. | NA |
| 23 | Salary Slip | ESIC Number & its deductions | ESIC amount deducted but ESIC number not mentioned | Check for ESIC amount in the salary slips, if ESIC amount is mentioned but no ESIC number is mentioned towards it. | NA |
| 24 | Salary Slip | ESIC deductions | ESIC deducted even if salary exceeds 21000. | Check for ESIC amount in the salary slips, if salary exceeds Rs 21,000/-& still ESIC amount is deducted | NA |
| 25 | Salary Slip | ESIC Number & its deductions | ESIC not deducted if salary less than 21000. | Check for ESIC amount in the salary slips, if salary does not exceed Rs 21,000/-& still ESIC amount is deducted | NA |
| 26 | Salary Slip | Month & naration in Salary Slip | Salary month & month in the narration of Salary should match | Check for Month of the salary slips, it should match with the month mentioned in the narration of the salary credit in the slip & Bank Statement. | NA |
| 27 | Salary Slip | Spell checks | Spell checks in salary slips overall | check as per dictionary shared for Spelling mistakes/Keywords checks on Feb 6, 2020, If match send "True" flag, if no match send "False" flag | NA |
| 28 | Salary Slip | Name Preffix | check for name preffix /salutations spellings | check as per dictionary shared for possible name preffixes, If match send "True" flag, if no match send "False" flag | NA |
| 29 | Salary Slip | Salary Slip formats | If there is a variation in the formats of the 3 months salary slips | check formats within the 3 salary slips provided, if difference noted send flag, If match send "True" flag, if no match send "False" flag | NA |
| 30 | Salary Slip | Payment Mode | Intra document - if the mode of payment in SS is cash then the Bank statement should also have the same mode of credit | "Mode of salary payment mismatch in banking i.e mode mentioned on pay slip is cash whereby salary is getting credited in bank,If match send ""True"" flag, if no match send ""False"" flag | Bank Statement |
| 31 | Salary Slip | Net salary should match with the amount credited in Bank statement | "*Net Income= Gross Income- deductions. Total of each head of gross income and deduction should be tallied separately. Net income should match with salary credited in bank statement. Exception:Salary account=I bank, EPFO check=+ve" | "Net Salary amount = Total of Gross Income less Total of Deductions. Net Salary amount should match with salary amount credited in Bank statement,If match send ""True"" flag, if no match send ""False"" flag " | Bank Statement |
| 32 | Salary Slip | Immediate withdrawals after salary credit | As per bank statement, if salary credit amount is immediately withdrawn/transferred by applicants, need to be picked the case for verification to ascertain set up company. | Check if Net salary amount is immediately withdrawn post salary credit date in Bank statement. If match send "True" flag, if no match send "False" flag | Bank Statement |
| 33 | Salary Slip | Bank employee, salary credit in another bank account | For bank employees, salary accounts are normally in the same bank where they work. | Check employee card or Employer details, For bank employees, salary accounts will be normally in the same bank where they work, if customer is working in BOB then his/her salary account should be with BOB, If match send "True" flag, if no match send "False" flag | NA |
| 34 | Salary Slip | All debit entries should be under 'Deduction' overhead | Provident Fund ( PF ) / Professional Tax / TDS need to be shown as deduction in Salary slip and should not be in income part in Salary slip .( Wherever PF is shown in salary slip) . | check Provident Fund ( PF ) / Professional Tax / TDS need to be shown under "Deduction/Debit" side overhead in Salary slip and should not be mentioned under "Income/Credit" side in Salary slip .( Wherever PF is shown in salary slip) . | NA |
| 35 | Salary Slip | Deduction under CGHS and GPF for non-government employees. If an applicant is employed with non-government organization then there should not be a deduction in salary slip for CGHS/GPF which is an beneficiary aid for government employees only. Data can be compared with Master sheet. | "Deduction under CGHS and GPF for non-government employees. If an applicant is employed with non-government organization then there should not be a deduction in salary slip for CGHS/GPF which is an beneficiary aid for government employees only. Google check for organization name. " | "Deduction under CGHS and GPF for non-government employees. If an applicant is employed with non-government organization then there should not be a deduction in salary slip for CGHS/GPF which is an beneficiary aid for government employees only. Google check for organization name. " | API |
| 36 | Salary Slip | Salary Slip generated date should not be on national holiday or on Sunday. | Salary Slip / Salary Certificate generated date cannot be a Sunday / National Holiday | "check Salary Slip / Salary Certificate generated date should not be Sunday / National Holiday. Check Salary slip / Salary Certificate - Generation date if mentioned in Salary slip. If match send ""True"" flag, if no match send ""False"" flag " | NA |
| 37 | Salary Slip | Salary Slip month & month of application in Bank should not be same | "Salary slip of current month (the month when the application is received) cannot be provided in the application except month end days. " | Check for Salary slip month & the current month in date of application, (when the application is received) should not be same , If match send "True" flag, if no match send "False" flag | NA |
| 38 | Salary Slip | Applicant name not reflecting in EPFO site | Online checks - PF Site | "Applicant name not reflecting in EPFO site " | API |
| 39 | Salary Slip | ESIC number availble on SS - check deductions thru API | If ESIC deduction is available on salary slip then applicant details should reflect on ESIC site. | Applicant details not matching on ESIC site | API |
| Rule No. | Document Type | OCR Rule | Match Rule | Additional Mapping if any |
|---|---|---|---|---|
| 1 | PAN Card | PAN is a 10 character alphnumeric number | PAN should consist 10 characters. First 5 will be Alphabets & next 4 will be numerical and last will be an alphabet, If true send True Match else False Match | "Salary Slip ITR Form-16 Form 26 AS" |
| 2 | PAN Card | "The fifth character of the PAN is the first character (a) of the surname / last name of the person, in the case of a ""Personal"" PAN card, where the fourth character is ""P"" or (b) of the name of the Entity/ Trust/ Society/ Organization" | "Out of the first five characters, the first three characters represent the alphabetic series running from AAA to ZZZ. The fourth character of PAN represents the status of the PAN holder. ""P"" stands for Individual ""C"" stands for Company ""H"" stands for Hindu Undivided Family (HUF) ""A"" stands for Association of Persons (AOP) ""B"" stands for Body of Individuals (BOI) ""G"" stands for Government Agency ""J"" stands for Artificial Juridical Person ""L"" stands for Local Authority ""F"" stands for Firm 'E"" stands for Limited Liability Partnership ""T"" stands for Trust Illustrative PAN : BLGPXXXX D Fifth character of PAN represents the first character of the PAN holder's last name/surname in case of an individual. In case of non-individual PAN holders fifth character represents the first character of PAN holder's name.This information should be checked in Application form - for individual in occupation/business details & for companies in other details" | "Salary Slip ITR Form-16 Form 26 AS" |
| 3 | PAN Card | Weblink check available for PAN QR code detail extraction | Free App by Govt. "PAN QR reader" |
| Rule No. | Document Type | OCR Rule | Match Rule | Additional Mapping if any |
|---|---|---|---|---|
| 1 | Aadhaar Card | complete address should match with Application form. | check Hosue Number, state name, pincode , if match send true match else false match | NA |
| 2 | Aadhaar Card | UID is 12 numeric digits | check for field description , if match send true match else flase match | NA |
| 3 | Aadhaar Card | UID number of 12 digit should be same on front and back page of UID. | check for field description , if match send true match else flase match | NA |
| 4 | Aadhaar Card | Weblink check available for Aadhaar QR code detail extraction | Free App by Govt. "aadhaar QR reader" |
| Rule No. | Document Type | Match Rule | Additional Mapping if any |
|---|---|---|---|
| 1 | Passport | Check for 24 digit Passport Number logic. Start with Passport Number (8 digit Alphanumeric,first digit is Alphabet & 7 numeric digit) followed by issuing country(3 digit alphabets) ,date of birth (DOB) (6 digit numeric),gender (1digit alphabet), and date of validity (6 digit numeric).(DOB and date of validty are always in reverse order). If match send True match else False match | NA |
| 2 | Passport | Check for Name , Surname, DOB , Address should be match with application form. If match send True match else False match | Tuhin |
| 3 | Passport | Passport number should be same on front and back page, If match send True match else False match | Tuhin |
| 4 | Passport | Barcode Number details to match with Passport Number, If match send true match else False match | Pinaq Sir |
Explore our comprehensive suite of AI-powered solutions designed to transform your business operations.
