Transform salary slips from uploaded documents into structured credit intelligence. CART's salary slip analysis engine parses income components, deductions, employer details, and take-home patterns — producing verified, analysis-ready salary profiles for salaried borrower assessment in minutes.
Manual processes, fragmented tools, and legacy systems create compounding inefficiencies that limit speed, accuracy, and risk visibility.
Intelligent document parsing, field extraction, and cross-verification — turning salary slips into structured credit intelligence.
Comprehensive income extraction and verification designed for salaried borrower underwriting across all employer types.
Our customers report consistent improvements across turnaround time, accuracy, operational efficiency, and risk management.
Designed with input from practitioners across credit, risk, operations, compliance, and technology functions.
How financial institutions apply this solution across their business operations.
CART supports salary slips from all major employer types including large Indian corporates, PSUs, central and state government departments, defence establishments, railways, and private sector SMEs. It handles digital PDF slips, scanned images, and salary certificates — across hundreds of unique template formats.
CART classifies each income component as fixed, variable/performance-linked, reimbursement-based, or one-time. Variable pay treatment is configurable — lenders can define whether to include 100%, a defined percentage, or exclude variable pay from the income calculation based on their credit policy.
CART's cross-verification engine identifies the salary credit entry in the bank statement for the same month as the salary slip. It compares the net take-home on the slip with the bank credit amount, accounting for configurable tolerance ranges, split credits, and timing differences between payroll and bank posting.
Yes. CART's forgery detection layer includes PDF metadata analysis (creation date, software fingerprints), template consistency scoring (font anomalies, layout irregularities), employer detail verification (PAN/GSTIN cross-check), and salary structure plausibility scoring. Suspected forgeries are flagged with a confidence score and specific anomaly details.
CART computes and reports multiple income measures: gross salary (total cost to company components before deductions), taxable income, statutory deductions (PF, PT, TDS), net take-home (salary credited to bank account), and stable monthly income (net take-home adjusted for variable pay treatment as per lender configuration).
CART has specific extraction templates trained on government salary formats including central government (7th CPC pay matrix), state government, PSU, and defence salary slips. Components specific to government pay structure — DA, HRA (city classification), LTC, uniform allowance, NPS deductions — are handled with purpose-specific extraction logic.
Schedule a demonstration to see how CART's salary slip analysis fits into your home loan, personal loan, or salaried credit workflows.