Fintech APIs

GST Analytics

GST Analytics
With the ever-changing regulatory environment, lenders are looking for new ways to make SME lending decisions faster and smarter to survive in the competitive landscape. GST analytics is a data-driven approach to making lending decisions simple for small and medium enterprises (SMEs). Lenders can make faster and more informed decisions about which SMEs they should lend to by leveraging data from the GST system.


Signzy’s GST analytics helps lenders identify potential growth areas within their portfolios and establish competitive strategies to take advantage of those opportunities. With the use of GST Data, the entire process gets

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GST Analytics


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Provides real-time insights into their GST filings

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Quickly identify which businesses are eligible for loans

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Help to assess the creditworthiness of companies

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A better understanding of the business cycles of borrowers

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Proactively identify potential risks associated

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Benchmarks the performance of businesses

Four Key Differentiators

Signzy’s GST Analytics has four key differentiators that, when combined with other features, give an unparalleled insight into a company’s financials, and help to make faster and more informed decisions in the underwriting processes.

  • Multi GSTN using OTP instead of a password
  • Intelligent GSTN models using Industry & Market Analytics (GSTPrism)
  • Customization without leaving API mode
  • HSN, Demographic-based Statistics

Solution Benefits

Access to real-time GST data

Improved decision-making

Reduced risk

Improved customer experience

Improved Data Insights

Increased Transparency

Reduced Cost

How Signzy's GST Analytics helps SMEs Stay Compliant?

Our GST Analytics help lenders identify red flags such as irregularities in a company’s GST filings, excessive claims for input tax credits, or high levels of tax liability. It can also help lenders understand a company’s cash flow situation and predict its ability to repay loans. Lenders can also make informed lending decisions for SMEs and reduce the risk of loan defaults.

Signzy’s GST analytics is a valuable tool for financial institutions as it helps them comply with the tax regime while empowering SMEs to access credit. Furthermore, by leveraging this technology, lenders can ensure that they make responsible lending decisions and protect their clients’ data.


What is GST Analytics?

GST Analytics is a cloud-based software platform. It helps lenders assess the creditworthiness of small and medium enterprises (SMEs) by leveraging data from the Goods and Services Tax (GST) network. As a result, GST Analytics allows lenders to make faster and more informed lending decisions by giving them real-time visibility into an SME’s financial health and business performance.

How can GST Analytics help lenders make SME lending decisions?

GST Analytics provides lenders with several features and tools to help them make more informed and faster lending decisions when dealing with SMEs. For example, GST Analytics can help lenders to:

Assess an SME’s creditworthiness: By using data from the GST network, GST Analytics can provide lenders with a real-time view of an SME’s financial health and business performance. Lenders can use this information to assess an SME’s creditworthiness and make more informed lending decisions.

In addition to lenders and banks, MSMEs and other businesses benefit from leveraging GST data for credit underwriting by reducing business costs. Providing an opportunity to use authentic data eliminates the need for operational work, which reduces risk in lending to an incredible degree.

Fast-track loan approvals: The platform’s automated underwriting capabilities can help lenders to fast-track loan approvals for SMEs.

Make better use of data: With its powerful data visualization tools, GST Analytics can help lenders to make better use of data when making lending decisions about SMEs.

What data is available through GST without consent?

Addresses, Director Data, Contact Info, Compliance Statuses, Taxpayer Categorization, Turnover range, Nature of Business, HSN Codes fetching.

Can you provide us with the raw data of GSTR 1, 2, and 3?

Yes, it can be done with a consent-based API.

Is there a live status for the GSTIN?

Yes, we can verify active and inactive GSTINs with our APIs.

What information is required to get the detailed GST report?

It is a consent-based API, we can either have the usernames and passwords and the corresponding GSTINs from the customer, or it can be done with the usernames and an OTP verification.