Questions and answers

A forensic examination of bank statements by NFSU. An officer emails the statements and receives a money-trail report, prepared for court, within two working days for 95% of cases, counted from receipt of the complete set of statements.

The National Forensic Sciences University (NFSU), an Institution of National Importance under the Ministry of Home Affairs. It is a joint initiative of NFSU and iAcuity Fintech, whose platform performs the automated analysis.

No analyst reads, keys in or handles the statements or the reports. The process is automated from intake to report. Technical access is restricted, read-only and logged.

The analysis platform is in use with central and State law-enforcement agencies, and its reports have supported submissions before courts. The methodology is scientifically reviewed and validated by NFSU.

Labs examine devices and digital media. This service reads bank statements in volume, which is work most labs are not set up for. It takes that load off them rather than competing with them.

Every kind of crime that leaves a money trail in bank statements: cyber fraud and mule networks; Ponzi and deposit schemes; bank and loan fraud; corporate fund diversion; terror funding and hawala; drug trafficking; extortion and organised crime; cheating and breach of trust.

No. It serves every wing whose cases turn on money: Cyber Crime, Economic Offences, Crime Branch–CID, Special Task Force, Anti-Terrorism Squad, Intelligence, Anti-Narcotics and district teams.

No. Freezing in the golden hour is the 1930 helpline and bank route. This service is for the investigation that follows: it finds the mule accounts, the layering and the network behind the complaint, and the statements to call for next.

It finds layering, circular movement, mule accounts and the suspect network, in cases of over 100 accounts. Every result comes to you first as a draft to check against your own findings.

Email the statements from your registered official email ID to [NFSU submission email ID], with the case reference in the subject line.

No. Statements are accepted only from the official email IDs registered for your unit. Anything else receives a “sender not registered” reply and is not processed.

[Mailbox attachment limit to be confirmed.] If the files are large, send them in more than one email, quoting the same case reference.

Any number. The fee depends on the number of accounts in the case: up to 10, 11 to 25, 26 to 50, 51 to 100, and above 100 on request.

Yes. More statements can be added to the same case. The fee is re-counted on the total number of accounts and moves up by band if a band is crossed.

Use the model request letter. Ask for Excel or CSV files, or PDFs generated by the bank, for the full period, with date, narration, reference number, debit, credit and balance.

You receive an automatic acknowledgement listing the files accepted, any files not accepted, the number of accounts identified, the fee and the date by which the draft will reach you. If the account count is not right, reply before the time given and it will be corrected before processing.

PDF statements generated by the bank, Excel or CSV files, in any bank’s layout.

No. Scanned or photographed copies cannot be processed. Ask the bank for electronic statements using the model request letter.

Accepted. Type the password in the body of the case email.

The money trail, with red flags graded by severity, mule accounts, layering, circular movement, exit channels, the suspect network and whose statements to call for next. It comes in seven reports, every figure traced to the statement:

• Suspect 360 Degree Report. Each suspect account at a glance: year-wise flows, modes of transfer, top counterparties, and the case fund-flow and counterparty network.
• Case Actionable Report. The case in one report: red flags by severity, mule and pass-through accounts, exit channels, linked accounts and statements to call for next, with annexures for the charge sheet.
• Account Profile Report. One profile per account: red flags raised, top credits and debits, connected accounts and exit points.
• Consolidated / Year Wise Fundflow. Money in and out across every account, the counterparties they share, and year-wise movement and balances.
• Trend Analysis Report. Monthly, quarterly and yearly patterns, with spikes, drops and new counterparties flagged.
• Overall Financial Analysis. Totals, net flow and closing balances for every account in the case.
• MIS Activity Report. Statement coverage for every account, with missing months flagged so the gaps can be called for.

Within two working days for 95% of cases, counted from receipt of the complete set of statements.

Reports are first issued as a watermarked draft so you can review them and ask for further analysis or corrections. When you confirm, the final reports and the invoice are issued.

Reply to the draft email with your questions, or ask for a correction. NFSU answers questions on report content before you confirm.

Yes. While the report is a draft, reply with what you need: a correction, or further analysis such as a closer look at particular accounts or links. A revised draft comes back for your review. [Turnaround for revisions to be confirmed.]

When the draft matches your understanding of the case and needs no further changes. Only the confirming officer registered for your unit can reply CONFIRM. On confirmation, the final reports and the invoice are issued.

No. The reports work from the bank statements: they trace the money trail and where it left the banks. Ownership, KYC and company background are established by the officer’s own enquiry.

Yes. A sample dossier from a simulated case is available through your nodal officer or the helpdesk. It is clearly labelled as illustrative.

Yes. The dossier is prepared to assist the charge sheet, and every figure is traceable to the bank statement it came from.

[Court-support protocol, including the electronic-record certificate and expert support, to be confirmed.]

Yes. NFSU trains and certifies officers in presenting these reports in court. [Training schedule to be confirmed.]

Only in NFSU’s own data centre, in India, under NFSU’s physical custody and security governance. It is encrypted in transit and at rest.

No analyst reads or handles the case record. Technical access is restricted, read-only and logged.

For the period your unit specifies at onboarding, or 90 days after the final reports if none is specified. It is then securely destroyed.

No. Case data is processed and held only in NFSU’s data centre in India, and nothing is transferred outside India. iAcuity operates the platform there under restricted, read-only and logged access.

No. A unit’s name or case material is never used in any publication without that unit’s separate written consent.

A fee per case by the number of accounts: ₹50,000 (1 to 10), ₹1,00,000 (11 to 25), ₹1,50,000 (26 to 50), ₹2,00,000 (51 to 100). Above 100 accounts on request.

GST, support, training, maintenance and all upgrades. There is no licence fee, nothing to install or host, and no staff to recruit.

No. NFSU provides the service government to government. Units sanction a fee for each case, as they would for any expert opinion.

Count the bank accounts in the case. The fee follows directly from the schedule, so you know the cost before you send.

Each bank account whose statement is sent counts once, whatever the period, number of files or banks. A joint account counts once. Accounts that appear only as counterparties are not counted.

Only the unit’s own sanction, as per its normal practice for expert opinion. Because the fee is known from the number of accounts, it can be sanctioned before sending.

Only when the officer confirms the final report. The final reports and the invoice are issued together.

Only if statements for more accounts are added to the case: the fee is then re-counted on the total and moves up by band if a band is crossed. Otherwise it is fixed by the number of accounts.

Yes. Under the State trial agreed with Police Headquarters, three cases nominated by your officers are examined at no cost and with no obligation.

NFSU raises the invoice in its own name, when the officer confirms the final report. It is issued with the final reports.

[NFSU GSTIN, SAC code and TDS / GST-TDS treatment to be confirmed.]

As per the unit’s practice for expert opinion or investigation expenses. The sanction note template has a field for the head of account.

The Drawing and Disbursing Officer’s name and code, the billing address, GSTIN if any, and an email for invoices. These are on the onboarding form.

One form and one approval. Most units are live the next working day (90% within one working day).

The head of the unit. The form lists the unit’s official email IDs, its Zero Touch contact and its billing details.

The head of the unit emails [onboarding email] with the change.

A monthly usage report by unit: cases, accounts and turnaround. [Report template pending.]

Nothing to install. All an officer needs is an official email ID; the quick-start card and short videos cover the rest.

Each district or commissionerate names a Zero Touch contact. Helpdesk: [phone], [email]. NFSU coordinator: [name, designation].

[helpdesk phone] · [helpdesk email] · [hours].

Availability is 99.5% per month, excluding scheduled maintenance, which is notified 72 hours ahead. A critical issue receives a first response within 2 business hours.

The officer quick-start, the how-to videos and the area webinar cover everything an officer needs. NFSU also runs training sessions.