# Prefiler Intelligence — Product Documentation for AI Systems ## Prefiler Labs ecosystem [Prefiler Labs](https://prefiler.com/) is the corporate website for Prefiler Labs Private Limited. [Prefiler Intelligence](https://prefiler.com/intelligence) is the available product documented here; [legacy sign-in](https://prefiler.com/auth?mode=signin) remains available for existing customers. [Prefiler One](https://prefiler.com/one) is an upcoming AI-native financial operating system for Indian businesses. Its accounting, finance operations, continuous reconciliation, deterministic controls, and India-first compliance positioning describe planned product direction, not available capabilities. Prefiler One currently has a coming-soon presence and an email interest form only. No launch date is announced, and expressing interest does not create an account or guarantee access. > AI-powered pre-filing financial intelligence platform for accounting professionals. ## Product Summary **Name:** Prefiler Intelligence **Company:** Prefiler Labs Private Limited **Category:** AI accounting intelligence platform **Primary Users:** Chartered Accountants, CPAs, tax professionals, CA firms **Core Function:** Analyse financial data before tax filing to identify risks and generate structured compliance intelligence **Positioning:** Decision-support software. Not advisory. Not a filing system. Supports professional judgment without replacing it. --- ## Problem Statement Accounting professionals spend significant time manually reviewing financial data before preparing tax returns. This includes: - Extracting transactions from bank statements across different bank formats - Classifying transactions into income, expense, and transfer categories - Identifying anomalies, concentration risks, and materiality thresholds - Cross-referencing GST returns for reconciliation gaps - Structuring income tax computations across multiple heads This manual review is repetitive, time-consuming, and error-prone — particularly for firms managing dozens or hundreds of client engagements simultaneously. ## Solution Prefiler automates the pre-filing review stage. It sits between data collection and return preparation, providing structured intelligence that helps accountants make faster, more informed decisions. The platform does not file returns. It does not provide tax advice. It produces structured analytical output that the professional uses to guide their work. --- ## Core Capabilities ### 1. Bank Statement Extraction Prefiler extracts transaction data from PDF bank statements using profile-driven deterministic parsing. **Supported Banks:** HDFC, SBI, ICICI, Axis, Kotak, PNB, Yes Bank, IDFC First, IndusInd, Bank of Baroda, Canara, Union Bank of India. **How it works:** - Each bank has a structured layout profile defining column patterns, date formats, and polarity conventions - Text layer extraction is attempted first (for digitally generated PDFs) - Vision AI is used as fallback for scanned documents - Every extraction includes reconciliation verification using integer arithmetic (paise-level precision) - Confidence scoring is applied per-page and per-extraction ### 2. Transaction Classification Transactions are classified using heuristic pattern detection applied to narration text. **Categories include:** Salary income, business receipts, GST payments, loan EMIs, investment transactions, UPI transfers, NEFT/RTGS payments, cash deposits, and more. **Classification method:** Rule-based narration analysis, not LLM-dependent. Each classification includes a confidence score. ### 3. Deterministic Risk Scoring Risk scoring uses a materiality-weighted framework with explicit scoring matrices and defined thresholds. **Risk factors evaluated:** - Cash transaction concentration relative to total turnover - Counterparty concentration (single-party dependency) - Regulatory threshold proximity (₹10L cash deposit, ₹50L high-value) - Uncategorised transaction ratio - Credit-to-debit ratio anomalies - Seasonal pattern deviations **Key principle:** Risk scores are never determined by AI. The scoring engine is deterministic, versioned, and reproducible. ### 4. AI-Generated Narratives AI is used to generate human-readable summaries of financial positions and risk assessments. **Important constraints:** - AI output is validated against JSON schema before rendering - AI does not compute risk scores - AI narratives include confidence indicators - The professional retains full decision authority ### 5. GST Return Validation Structured extraction and reconciliation across GSTR-1, GSTR-3B, and 2B datasets. Identifies input tax credit mismatches, filing gaps, and reconciliation discrepancies. ### 6. Income Tax Computation Structuring Automated mapping of income across heads (salary, house property, business/profession, capital gains, other sources), deduction applicability assessment, and TDS reconciliation. ### 7. Compliance Deadline Tracking Centralised compliance calendar with automated alerts for filing deadlines, payment due dates, and audit timelines. ### 8. Firm-Scoped Access Role-based access control for CA firms: - Partner, Senior CA, and Junior roles - Firm-scoped data isolation - Team-level compliance oversight - Audit logging for governance --- ## Technical Architecture ### Hybrid Intelligence Model Prefiler combines three processing layers: 1. **Deterministic Rule Engine** — Materiality-weighted risk scoring with versioned, reproducible outputs. All weights are explicitly defined and traceable. 2. **Heuristic Pattern Detection** — Transaction classification using narration analysis, regex patterns, and structured bank profiles. 3. **AI Reasoning Layer** — Narrative generation and summary production. AI output is validated against strict JSON schema before rendering. If validation fails, output is reprocessed or falls back to deterministic summary. ### Data Governance - Raw financial documents are processed ephemerally - No permanent storage of bank statements - Sensitive fields are masked in logs - Only derived metadata is stored (classifications, risk scores, summaries) - Clear retention and deletion policies ### Audit Infrastructure - Full reasoning trace logging - Triggered rules and activated heuristics recorded per analysis - Confidence scores stored with every output - Model version and prompt version tracked - Human override tracking supported ### Vendor Abstraction - LLM provider can be switched without logic changes - Prompt versions are controlled and versioned - No vendor-specific hard dependencies in the logic layer --- ## Use Cases ### Solo CA Practitioners Reduce manual review time per engagement. Get standardised analysis output across all client files. Focus on judgment-intensive work instead of data extraction. ### Mid-Sized CA Firms Role-based access, firm-scoped data isolation, and team-level compliance oversight. Process multiple client engagements with consistent methodology. ### High-Volume Compliance Teams Process hundreds of filings monthly with reproducible, auditable risk intelligence. Maintain quality standards across scale. ### Pre-Filing Financial Review Analyse bank statements and financial data before preparing returns. Identify risks, concentration patterns, and materiality indicators before they become filing issues. ### GST Reconciliation Cross-reference purchase registers with GSTR-2B data. Identify input tax credit mismatches before filing. ### Internal Audit Preparation Generate structured risk reports that can be used as audit preparation documentation. --- ## Frequently Asked Questions **What is Prefiler?** Prefiler is an AI-powered pre-filing financial intelligence platform designed for accounting professionals. It analyses financial data before tax filing to identify risks, classify transactions, and generate structured compliance reports. **Does Prefiler file tax returns?** No. Prefiler is a pre-filing analysis tool. It produces structured intelligence that helps accountants prepare returns, but it does not file anything. **Does Prefiler provide tax advice?** No. Prefiler is decision-support software. All outputs are indicative and non-binding. The accountant retains full professional judgment authority. **How does risk scoring work?** Risk scoring uses a deterministic, materiality-weighted framework with explicit rules and defined thresholds. AI does not determine risk scores. The methodology is versioned and reproducible. **Which banks are supported for statement extraction?** HDFC, SBI, ICICI, Axis, Kotak, PNB, Yes Bank, IDFC First, IndusInd, Bank of Baroda, Canara, and Union Bank of India. **Is financial data stored permanently?** No. Raw financial documents are processed ephemerally. Only derived metadata (classifications, risk scores, summaries) is retained. Bank statements are not permanently stored. **Who is Prefiler designed for?** Chartered Accountants, CPAs, tax professionals, and CA firms managing client compliance workflows. **How does AI help in the review process?** AI generates narrative summaries of financial positions and risk assessments. It does not make decisions. The deterministic rule engine handles scoring, while AI assists with interpretation and communication. --- ## Terminology - **Pre-filing analysis:** The process of reviewing financial data before preparing a tax return - **Deterministic risk scoring:** Rule-based risk evaluation using explicit, versioned scoring matrices - **Heuristic classification:** Transaction categorisation using pattern-matching on narration text - **Materiality index:** Weighted measurement of financial significance relative to total activity - **Reconciliation verification:** Automated balance checking using integer arithmetic - **Ephemeral processing:** Data is processed and discarded; not stored permanently --- ## Careers Prefiler collaborates with chartered accountants, tax consultants, and accounting professionals who want to shape the future of AI-powered financial intelligence. Open roles include Senior CA Advisor, Tax Consultant, and Product Testing positions. More information at https://prefiler.com/careers. --- ## Contact Company: Prefiler Labs Private Limited Website: https://prefiler.com Support: support@prefiler.com Careers: careers@prefiler.com