Month-end close · 1 Oct 2026 – 31 Oct 2026
Results · held-out evaluation
8 seeds × 25,000 payments, unseen noise variants included · full report (EVAL.md)- Credits linked to the right settlements
- 90.5%
- n=1467 · 1 wrong
- Batch credits decomposed correctly
- 76.2%
- 23.8% sent to a human
- Corrupted UTRs recovered
- 100.0%
- incl. correct suggestions
- Exception recall / precision
- 91.8% / 94.1%
- macro, 13 types
Gateway report vs amount-only
The gateway's settlement recon report says which settlements each bank transfer paid, so a batched credit is matched from its item-level rows instead of an amount-only subset search. Amounts must still agree to the paisa.
| Amount-only | With gateway report | |
|---|---|---|
| Demo data · open items as of 31 Oct 2026 | ||
| Batched credits matched from the report's rows | 0 | 14 |
| Batched credits matched on amounts alone | 11 | 1 |
| Ambiguous batches waiting for a human | 1 | 0 |
| Match conflicts waiting for a human | 3 | 0 |
| Settlements parked on a batch decision | 10 | 0 |
| Report ↔ bank mismatches raised | — | 0 |
| Held-out eval · 8 seeds · 85 batched credits | ||
| Batched credits matched to exactly the right settlements | 40.0% | 100.0% |
| … sent to a human as ambiguous | 32 | 0 |
| … blocked by a match conflict | 18 | 0 |
| Wrong links (all bank credits) | 1 | 0 |
| Human review items on bank credits | 158 | 88 |
4,864 report rows covering 293 settlements paid under 227 bank transfer UTRs. The report is generated from the same synthetic data, so it never disagrees with the bank here; disagreements raise a mismatch exception instead of a match.
Bank credits matched, by kind
67 settlements sit inside batch credits · 3,406 payments settled · 164 ledger receipts linked (9 by amount + date + party) · 180 payments still inside their T+n window
Exposure by class
Exposure classes measure different things and are never summed into one figure.
Bank vs books tie-out
Σ bank credits − Σ ledger receipts must equal the reconciling items the engine identified.
- Bank credits
- ₹1,72,66,222.50
- Ledger receipts
- ₹1,70,67,102.88
- Difference
- ₹1,99,119.62
- Explained by reconciling items
- ₹1,99,119.62
- Unexplained residual
- ₹0.00Ties out
Largest exceptions
51 exceptions in Oct 2026
- Unidentified credit₹4,38,935.33Amount at riskbnk_000239
- Match conflict₹1,71,786.24Structuralbnk_000236
- Suggested match₹1,69,276.55Structuralbnk_000081
- Unidentified credit₹1,59,224.83Amount at riskbnk_000087
- Missing ledger entry₹1,23,061.59Structuralbnk_000132
- Missing ledger entry₹1,16,518.98Structuralbnk_000174
AI: LLM explanations were requested for the DEMO.md cases and the top 20 exceptions by amount; all other explanations are deterministic templates.