Verify Income & Calculate
Loan Eligibility from Pay Slips
Upload PDF payslips to extract salary history, verify consecutive months, compute average net income, and generate a precise loan eligibility report tailored for salaried employees.
How Salary Analysis Works
1. Upload Pay Slips
Upload 3 or more consecutive monthly PDF pay slips. The system verifies they are from the same employer and consecutive months.
2. Data Extraction
The parser extracts gross salary, allowances, deductions, and net pay from each slip. Employer name and pay period are verified for consistency.
3. Eligibility Calculation
Average net salary is computed. Using the salaried EMI ratio (40–60% of salary), the eligible loan amount is calculated with your configured interest rate and tenure.
What You Need
Minimum 3 Monthly Pay Slips
The system requires at least 3 consecutive monthly payslips for a valid analysis. More months = higher accuracy.
Same Employer
All uploaded pay slips must be from the same employer. Mixed employer slips will result in an ineligibility flag.
Consecutive Months
Months must be consecutive without gaps. A gap in the pay period will be flagged as INCOMPLETE.
PDF Format
Digital PDF pay slips (not scanned images). Scanned PDFs may work if Tesseract OCR is configured on the server.
What the Analysis Returns
Loan Eligibility Amount
Eligible loan amount based on average net salary and the salaried EMI ratio (40% for salary ≤ LKR 200,000; 60% for higher salaries).
Per-Slip Breakdown
Gross salary, total deductions, and net salary for each uploaded pay slip, with employer name and pay period.
Monthly EMI
The exact monthly EMI you would pay for the eligible loan amount at the configured interest rate and tenure.
Quality Score
HEALTHY (3+ consecutive months, same employer), MODERATE (minor inconsistencies), POOR or INCOMPLETE as applicable.
Ready to Analyze Your Pay Slips?
Upload your PDFs and get your loan eligibility instantly — free, private, no registration.