Bank statement import that matches your books
Each statement line matched to its entry, reconciled on the statement date.
Banking & Cash Management
Every rupee in your books — agreed with the bank.
Bank and cash accounts in any currency, payments, deposits and transfers, and a bank statement that reads itself: TamilAccounting finds the entries already in your books, reconciles them on the statement date and posts only what is genuinely new.
Statement import that matches
Reconciled on the statement date
Any bank’s Excel or CSV
Match, split, unmatch
Foreign-currency accounts
Gateway gross, fee & net
What’s new
New in Banking
Added through 2026: the monthly bank statement goes from a day of ticking to a few minutes of checking, and foreign-currency accounts read correctly in both currencies.
New
Statement import that matches your books
Each statement line is compared with the unreconciled entries on that account — same amount, same direction, within a week, confirmed by a cheque number, reference or payee — so a receipt you entered last week is never posted twice.
Watch the walkthroughNew
Reconciled on the statement date
Everything a statement settles is reconciled on its last transaction date, or a date you enter — never on the day you happened to do the work.
Watch the walkthroughNew
Any bank’s Excel or CSV, as it comes
The “Any bank” template finds the date, narration, withdrawal, deposit and balance columns by their headings. A statement whose balances do not add up is refused, and importing it twice changes nothing.
Watch the walkthroughNew
Match, Match Selected, Edit and Unmatch
Tick two cheques to match one clearing deposit, split a loan EMI between the loan and the interest, and take back a wrong match without voiding anything.
Watch the walkthroughNew
Bank Transactions report
Every bank and cash movement by account, type and period, with money in and out per account. A foreign-currency account shows each line in its own currency and in your home currency.
New
Bank Statement in both currencies
A foreign-currency account now prints debit, credit and running balance in its own currency and in home currency, each tied to the ledger.
New
Exchange rates on customer and supplier payments
Receive from a dollar customer into a dirham account: the payment screen asks for the party’s rate and the bank’s rate, fills the bank amount and queries one that looks wrong.
Banking overview
Cash on hand across every account, money in and out for the month, what is still unreconciled and how old it is, with a cash-flow chart and a line per account.
Watch the walkthroughGateway payments: gross, fee and net
A payment taken online shows what the customer paid, what the gateway kept and what reached the bank, and Record Payment turns it into a receipt against its invoice.
Watch the walkthrough
Without it
Where the bank and the books drift apart
Most businesses enter their receipts and payments as they happen, then spend a day each month proving the bank agrees. These are the gaps that make that day longer.
Receipts posted twice
A plain statement import treats every line as new. The customer receipt you already entered goes in again, and the bank balance in the books is now wrong.
Cost: a balance nobody trusts, and an afternoon finding the duplicates.
Dates that never line up
A cheque written on the 17th clears on the 20th; a transfer entered on the 15th is credited on the 16th. Matching on the exact date misses all of them.
Cost: lines ticked by hand, one at a time, every month.
Reconciled on the wrong day
September’s statement, reconciled in October, ends up dated October. The reconciliation history no longer matches the statements the bank sent.
Cost: an auditor asking why the dates disagree.
One bank line, several entries
A clearing deposit of two cheques, or an EMI that is part loan and part interest, never matches one entry — so it sits in a suspense account.
Cost: suspense balances that grow until year end.
Foreign accounts read in one currency
A dollar account shown only in rupees (or only in dollars) cannot be ticked against the bank and the ledger at the same time, and exchange gains go unbooked.
Cost: a balance sheet that is right only on the day the rate was entered.
Online deposits that land short
The customer paid the full invoice, the gateway kept its fee, and the bank received less. Without the three figures side by side, the gap is a mystery.
Cost: invoices left part-open and fees never expensed.
With TamilAccounting
From the first payment to a reconciled month
Most bank entries arrive by themselves from sales receipts, supplier payments and payroll. Banking is where they meet the statement.
AccountsBank and cash, each tied to its ledger account
Pay & receivePayments and deposits, allocated to invoices
TransferBetween your own accounts, with bank charges
ImportThe statement, exactly as net banking gives it
MatchedLines already in the books found and linked
Finish the restMatch, Match Selected, Edit or add
ReconciledOn the statement date, difference zero
Revalue & reportExchange gains posted, both currencies shown
How it works
Everything Banking does, in detail
Accounts & overview
Cash at a glance, every account tied to the ledger
Each bank or cash account is linked to its own ledger account, so Banking and the balance sheet can never drift apart. The overview answers the first question every owner asks: how much cash do we have?
- Bank, branch, account number, account type and currency on each account
- A bank-charges account and a default charge percentage, for card machines and the like
- A UPI ID on a rupee account puts a payment QR code on your printed invoices
- Overview: cash on hand, money in and out, net cash flow and the oldest unreconciled line
- A cash-flow chart for this month, last month, six months or a year
Cash on hand₹12.4 L
Net cash flow+₹1.8 L
Unreconciled6 lines
Current account · Bank A₹8,12,763Reconciled
USD account · Bank B$6,000USD
Cash in hand₹42,500Cash
Card machine₹18,2004 lines open
Payments, deposits, transfers
Pay anyone, receive from anyone, move money between accounts
A payment can go to a supplier, a customer, an employee, a quick entry or a ledger account, and several people can be paid in one entry. The account’s live balance shows while you type.
- Payments and deposits allocated to the invoices they settle
- Half-finished entries saved as drafts and resumed later
- Branch and department on each line, and documents attached
- One transfer can feed several accounts, each line with its own amount and bank charge
- Cross-currency transfers at the rate of the day
Statement import
Upload the statement — the books are checked against it
Download the statement from net banking as Excel or CSV and upload it unchanged. Every line is first compared with the unreconciled entries on that account; only what is genuinely new is posted.
- Same amount and direction, within seven days — cheques that take days to clear still match
- A cheque number, reference or payee name in the narration makes the match certain; nothing is guessed
- A line naming a customer or supplier and an invoice number is posted as their payment and allocated
- Your own rules post charges and interest to the right account, every month
- A file whose running balance does not add up is refused, and an overlapping statement is skipped line for line
Finishing the lines left
The few lines left take minutes, not a day
After the import, a summary shows what was matched, posted and left. Each line left has the action it needs right beside it.
- Match lists open entries of the same direction, the same amount first
- Match Selected ticks several entries against one bank line; their total must equal it
- Edit splits a line across accounts, or makes it a receipt, supplier payment, transfer or journal
- Add Bank Transactions posts new lines, such as interest, once you pick the account
- Unmatch takes back a wrong match; the entry stays and nothing is voided
Matched3
Posted by rule1
Left to finish4
NEFT CR · Customer A23,600.00Matched
CHQ PAID 004512 · Supplier B18,880.00Matched
CLG DEP 2 CHQS20,000.00Match Selected
EMI DR · Business loan24,850.00Edit to split
SERVICE CHG354.00Posted by rule
Reconcile
A difference that counts down to zero
Reconcile lists every unreconciled line up to the statement date. Enter the statement’s closing balance and tick each line as you find it; when the difference reaches zero, the books and the bank agree.
- Everything the import settled already ticked, on the statement date
- Anything still unticked is genuinely in transit — not a mystery
- Each statement date kept as its own reconciliation, with its closing balance
- Importing an older statement never moves the last reconciled date backwards
Reports & currencies
Foreign accounts that read right in both currencies
Every account has its own currency. Exchange rates keep their history, and Revaluation of Currency Accounts posts the gain or loss for any date — on bank accounts and on customer and supplier balances held in another currency.
- Bank Statement and Bank Transactions print a foreign account in its own currency and in home currency
- Home figures come from the ledger posting, so they tie to the balance sheet
- Monthly Balance Statement by branch and department
- Bank Statement Reconcile, Statement of Accounts and printable payment, deposit and transfer vouchers
Worked examples
What the books show — debits always equal credits
Invented figures on a demo company. Nobody types these entries by hand: the Edit screen and the revaluation post them.
A loan EMI split from one bank line
Statement line “EMI DR · Business loan”, 24,850.00 out
| Account | Debit | Credit |
|---|---|---|
| Bank loans | 21,300.00 | |
| Interest & bank charges | 3,550.00 | |
| Current account — Bank A | 24,850.00 | |
| Totals | 24,850.00 | 24,850.00 |
A line left without an amount takes what is left, and the lines must add up to the bank amount before the payment posts — reconciled on the statement date.
Revaluing a dollar account at month end
USD 6,000 received at ₹88.20 (₹5,29,200); month-end rate ₹88.95 (₹5,33,700)
| Account | Debit | Credit |
|---|---|---|
| USD account — Bank B | 4,500.00 | |
| Exchange variation | 4,500.00 | |
| Totals | 4,500.00 | 4,500.00 |
The dollar balance does not change — only what it is worth in rupees. Customer and supplier balances in other currencies are revalued in the same run.
Watch it in action
Watch a statement reconcile itself
Recorded on a demo company: a real-format bank statement imported and matched to the books, then accounts, transfers, reconciliation, revaluation and gateway payments.
Banking: import, reconcile, revalue
Statement import, reconciliation, foreign-currency revaluation and gateway payments.
Quick takes · under a minute or two
More features
The details that keep the bank balance honest
Bank Inquiry
Each account as its own ledger: totals across the top and a running balance after every entry, with every line opening its document.
Import rules
A keyword in the narration, money in or out, who it is paid to and the account to post to — set once, applied to every statement.
Gateway Data
Payments made from an invoice share link or the customer portal arrive with gross, fee and net, ready to record against the invoice.
UPI QR on invoices
Give a rupee bank account its UPI ID and every printed invoice carries a QR code for the amount, so customers pay the moment it arrives.
Allocations
Payments and deposits settle the exact invoices they were for, so customer and supplier balances stay clean.
Drafts
Save a half-finished payment or deposit and come back to it; nothing posts until you process it.
Restore a deleted entry
A bank payment or deposit deleted as Restorable reopens in a ready-filled screen, so you choose the date before it posts again.
Attachments
Keep the receipt, challan or advice with the payment it belongs to, one click away from the entry.
Side by side
A plain statement import vs. one that matches your books
| Plain import or ticking by hand | TamilAccounting | |
|---|---|---|
| Entries already in the books | Posted again as new | Matched to the entry and reconciled |
| Cheques that clear late | Missed by an exact-date match | Matched within seven days, confirmed by the narration |
| Reconciliation date | The day you did the work | The statement date |
| Several entries in one line | Parked in suspense | Match Selected, or Edit to split |
| Bank’s file format | Retyped into a fixed template | Columns found by their headings |
| A wrong match | Void and re-enter | Unmatch; nothing is voided |
| Foreign accounts | One currency on the report | Own currency and home currency side by side |
Works with
Modules and apps that feed Banking
Journal & General LedgerEvery bank account is a ledger account; journals, budgets and the period close.Explore Financial StatementsBalance sheet, profit and loss and the statement of cash flows from the same books.Explore Sales & ReceivablesCustomer receipts allocated to invoices, with payment reminders for what is overdue.Explore Purchases & PayablesSupplier payments matched to bills, with an aged payables position.Explore Transaction SharingSend an invoice as a link the customer can open and pay online.Explore One PortalCustomers see their invoices and statements and pay them in their portal.Explore Post-Dated ChequesCustomer and supplier cheques by date: collection, clearing, bounce and endorsement.Explore Point of SaleCounter sales post their takings to the cash or bank account they are paid into.Explore
Why businesses stay
Bring your data. We’ll keep it right — and keep making it better.
Switching software is the hard part. We help you move, keep your records sound, and keep improving the system with you.
Data migration & opening balances
Move across from Tally, Zoho, QuickBooks, Xero, Sage 50 or SMACC, or from Excel templates for items, customers, suppliers, employees, chart of accounts and opening balances. You preview every row before it is saved — and our team helps you through it.
Your data, kept right
Your database is backed up three times a day — every 8 hours — and your files are backed up too. Each company keeps its own separate database; roles decide who can see, enter, approve or void; every change is on the audit trail; and everything exports to Excel or PDF whenever you want it.
Always improving, with you
We follow up regularly with the businesses that use it, and their requests become features. Updates arrive on your account automatically — nothing to download or reinstall.
Connected to what comes next
GST e-invoice and e-way bill, ZATCA, WooCommerce, WhatsApp, biometric devices, online payment gateways, mobile apps and an AI assistant — and new connections are added as the market moves.
FAQ
Banking: common questions
No. Choose Any bank (columns found automatically) and upload the file as net banking gives it. Title rows and summary rows are skipped, the columns are found by their headings, and day-first or month-first dates and amounts written like 1,23,456.78 or (1,200.00) are understood. The older bank-specific templates are still there.
It still matches. A statement line can match an entry of the same amount and direction dated up to seven days before or after the bank’s date, and a cheque number, reference or payee name in the narration makes the match certain. If two entries could be the same line, it is held for you to choose — never posted again.
Choose Unmatch on it. The entry goes back to unreconciled, nothing is voided, and the statement line returns so you can match it correctly.
No. Lines brought in before are recognised and skipped, including when two statements overlap. Importing an older statement also never moves the last reconciled date on the account backwards.
The statement date: the last transaction date on the statement, or a date you enter on the import screen. That covers the entries matched during the import, the ones it posts and the lines you finish later.
Yes. Each bank or cash account has its own currency. Revaluation of Currency Accounts posts the exchange gain or loss for any date, and the Bank Statement and Bank Transactions reports show a foreign account in its own currency and in home currency.
Gateway Data lists each online payment with what the customer paid, the fee the gateway kept and the net that settles into your bank, so a deposit that lands short is explained. Record Payment turns the payment into a customer receipt against its invoice.
If it was deleted as Restorable, yes. Restoring a bank payment, deposit or journal reopens it in a ready-filled entry screen, so you can check the date and post it again.
Let the statement reconcile itself.
Start free, import last month’s bank statement and see how much of it is already in your books.