Bank reconciliation
Tick your bank statement against your books in minutes
Import a statement from 11 auto-detected Indian bank formats (or photograph a PDF one), match it with rules you save once, and keep credit cards and post-dated cheques as first-class accounts.
What it solves
The gap between what your bank shows and what your books show is where errors hide: a payment recorded twice, an expense never entered, a settlement you forgot. Finocket closes it: import the statement and match each bank line to the payment or expense it belongs to, so you can prove the two agree instead of hoping they do. And when the bank only gives you a PDF, you don't fall back to typing. Photograph or upload it and the lines are read out for you.
How we're different
Reconciliation reads from the same double-entry ledger your invoices and expenses already post to, so matching a bank line confirms the money you already recorded instead of adding data entry in a separate silo, and anything left unmatched is exactly the entry you missed. A scanned statement is stamped as scanned, kept deliberately distinct from a live bank feed, so a photograph can never masquerade as a connected account.
Inside Bank reconciliation
11 Indian bank formats, auto-detected
Photograph the statement when there's no CSV
Match with rules you save once
Bank reconciliation
Match with rules you save once
Credit cards & post-dated cheques
Bank reconciliation
Credit cards & post-dated cheques
Every rupee accounted for
Bank reconciliation
Every rupee accounted for
Bank reconciliation
Match with rules you save once
Bank reconciliation
Credit cards & post-dated cheques
Bank reconciliation
Every rupee accounted for
More in Bank reconciliation
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', and the product distinguishes a scanned statement from a fed one in the data itself.
Works with the rest of Finocket
Part of Double-entry books. See how every module connects.
Questions
How do I get my statement in?
Upload it and Finocket auto-detects the layout across 11 Indian bank formats (SBI, HDFC, ICICI, Axis, Kotak, PNB, BOB, Canara, IDFC, IndusInd, Yes, plus a generic fallback), with no column mapping. If your bank only gives you a PDF, upload or photograph that instead and the lines are read out for you.
Can Finocket read a scanned or PDF bank statement?
Yes. The lines come out in whole paise, only the last four digits of the account are kept, and a running-balance checksum flags any line the arithmetic doesn't support. It gives you statement LINES, not matches. Matching stays suggest-only, the import is recorded as an auditable action you can undo in one tap, and the statement is stamped as scanned so it can never be mistaken for a live bank feed.
What does matching tell me?
Each bank line ties to the payment or expense it belongs to; anything left unmatched is the entry you still need to record, so every rupee ends up accounted for.
Do you connect to my bank automatically?
Not today. Reconciliation runs on statement, CSV or scanned import; automatic feeds arrive when you connect an Account Aggregator. We say 'import & reconcile' rather than 'auto-sync' on purpose.
You tick off a month of bank entries in minutes, and every rupee has a matching entry in your books.
Learn how it works
Bank reconciliation: match your statement to your books
Import a bank statement CSV and match each line to a recorded payment or expense, so your books agree with your bank and nothing goes unrecorded.
Finance inbox - bills and bank alerts from your email
Choose which mailboxes Finocket reads, then work the Finance inbox: see each bill or alert with its sender, attachment and what was read, and confirm, edit, reject or set a rule for the sender. Nothing is confirmed on its own.
Live bank feeds: what is and isn't live
The bank-feed interface and an encrypted credential vault for an Account Aggregator / bank-feed vendor are built; no vendor is wired in yet, so automatic bank-line fetch is not live. A fetched line reconciles exactly like a CSV line. This guide covers where that stands and what to do meanwhile.
Ready to ditch the spreadsheet?
Free for solo users until 31 Dec 2026 — no partner code needed. ₹99/month after that. No credit card. Your books stay yours.