Month-end close · 1 Oct 2026 – 31 Oct 2026
Gateway settlements reconciled against the bank statement and the ledger as of 31 Oct 2026. Every number on this page was computed by the deterministic engine; nothing here was typed by hand.
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
Bank credits matched, by kind
Exact UTR
135
UTR found after normalising case, spaces, hyphens
Fuzzy UTR
7
Edit distance ≤ 1, exact amount and date, clear margin
Contiguous batch
8
One credit = a run of consecutive settlements
Arbitrary batch
2
Proven-unique subset of settlements
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.
Amount at risk
₹8,90,846.06
21 exceptions · Money that may be lost or misstated until resolved
Awaiting settlement
₹3,55,344.46
13 exceptions · Money still owed by the gateway or arriving late
Structural
₹12,87,904.74
17 exceptions · Books or links that need a human decision; not money at risk on its own
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.