How UPI Audit Works

Analyze your bank statement in seconds — completely private, no login required.

1

Download your bank statement

Log into your bank's net banking or mobile app. Navigate to "Account Statement" and download the PDF for the period you want to analyze (1 month, 3 months, up to 1 year). Make sure you download the full PDF — not a screenshot.

2

Upload the PDF to UPI Audit

Visit upiaudit.com and drop your PDF into the upload zone (or click to browse). No account needed — just upload directly.

3

We extract all UPI transactions

Our engine reads the PDF text and identifies every UPI and IMPS transaction using bank-specific patterns. Your file is processed in RAM — it is never written to disk or stored anywhere.

4

Every transaction gets categorized

Using a lookup table of 200+ merchants plus smart heuristics for QR-code shops and person-to-person transfers, each transaction is mapped to one of 9 categories: Food Delivery, Groceries, Shopping, Local Shops & Retail, Transport, Subscriptions, Recharges, Transfers, or Others.

5

See your full spending breakdown

Get a donut chart by category, a monthly trend bar chart, and a ranked table of your top merchants. All in under 5 seconds.

6

Download and share your spending card

Generate a beautiful summary card showing your total spend and category breakdown. Download it as an image and share it on WhatsApp, Instagram Stories, or Twitter.

Ready to analyze your spending?

Takes less than 30 seconds. No signup required.

Analyze My Statement