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Treasury & Banking Guide

Autonomous Bank Feeds & Auto-Reconciliation

Reconcile thousands of bank transactions in minutes. Import bank statements from any Indian bank (HDFC, ICICI, SBI, Axis), run rule-based and AI fuzzy matching on UTR numbers and UPI narratives, and produce certified Bank Reconciliation Statements (BRS) with zero variance.

1. Module Overview: Eliminating Manual Passbook Ticking

High-volume distributors and retail chains receive hundreds of customer payments daily via UPI, NEFT, and RTGS. Without automation, accountants spend days manually matching statement lines with ERP invoices:

UTR & UPI Matching

Extracts 12-digit UTR numbers and UPI transaction IDs directly from messy bank narration lines.

One-Click Expense Creation

Directly books bank charges, loan EMIs, and interest credits into the General Ledger from the statement line.

Audit-Proof BRS

Generates formal Bank Reconciliation Statements explaining unpresented cheques and uncleared deposits.

2. How to Reconcile a Bank Account (Step-by-Step)

  1. 1
    Go to Banking > Select Bank Account:Choose your current or overdraft account. Click "Import Statement".
  2. 2
    Upload Bank File (CSV, OFX, or Excel):Katixo supports statement exports from all major Indian banks. The ingestion engine parses transaction dates, withdrawal/deposit amounts, cheque numbers, and narration text.
  3. 3
    Review AI & Rule Matches:
    • Green (High Confidence): Exact match on UTR number, date proximity, and amount. Click "Approve All Green" to clear hundreds of rows at once.
    • Amber (Multiple Candidates): Multiple invoices exist for the same customer amount. Click the row to select the intended invoice.
  4. 4
    Handle Un-booked Bank Debits/Credits:For monthly bank charges, interest, or loan EMI debits, click "Create Transaction" directly from the statement line. Select the expense account; Katixo books the journal entry and reconciles the row instantly.
  5. 5
    Lock Reconciliation Period:Once variance reaches ₹0.00, click "Lock Period". Generates an official BRS report and prevents retrospective modifications.

Developer & API Integration Reference

JWT Bearer Required
GET/api/v1/banking/accounts
POST/api/v1/banking/statements/upload
GET/api/v1/banking/reconciliation/{accountId}
POST/api/v1/banking/reconciliation/match
POST/api/v1/banking/reconciliation/auto-match