Banking & reconciliation
Reconcile the bank without the spreadsheet
The month-end grind is matching the bank to your books. Finocket reads your bank statement — auto-detecting 11 Indian bank formats — and helps you clear each line against invoices, expenses and payments with rules you save once and reuse. Credit-card accounts and post-dated cheques are first-class, so every rupee in the bank has a home in your ledger.
Import 11 Indian bank formats
Upload a statement and Finocket auto-detects the layout (SBI, HDFC, ICICI, Axis, Kotak, PNB, BOB, Canara, IDFC, IndusInd, Yes and a generic fallback) — no manual column mapping.
Reconcile with saveable rules
Match statement lines to your recorded invoices, payments and expenses; save a rule once (this payee → this account) and it clears similar lines next time.
First-class credit-card accounts
Track card spends and repayments as their own account, so card liabilities show correctly on your balance sheet instead of hiding inside expenses.
Post-dated cheque register
Record cheques you've issued or received with their due dates and see what's coming — so a PDC never surprises your cash position.
Photograph the statement when there's no CSV
Only got a PDF or a paper statement? Upload or photograph it and Finocket reads the lines out — in whole paise, with only the last four digits of the account kept, and a running-balance checksum that flags any line the arithmetic doesn't support. A scanned statement is stamped as scanned and can never masquerade as a live bank feed. It produces statement LINES, not matches: matching stays suggest-only through the same matcher, the import is recorded as an auditable action, and one tap undoes the whole statement.
Honest about live feeds
Reconciliation runs on statement, CSV or scanned import today; automatic bank feeds arrive when you connect an Account Aggregator — we say 'import & reconcile', not 'auto-sync'.
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Ready to ditch the spreadsheet?
Free for solo users. No credit card. Your books stay yours.