Suggested match

Probable match awaiting approval (open), ₹1,14,824.56. Rule stage2.fuzzy_suggest; 2 record(s).

₹1,14,824.56Structuralopen28 Oct 2026bank_line bnk_000237

Explanation

Generated from the read-only evidence below. It never changes a match or a record.

LLM · openai/gpt-oss-120b

The bank narration contains a UTR that is similar but not an exact match to the settlement UTR, causing a fuzzy match suggestion.

The engine identified a close edit-distance (2) between the narration token HMFCN96301006427 and the settlement UTR HDFCN26301006427. Amount and date match exactly, so the suggestion is based on the near‑identical UTR. This is flagged as a structural exception requiring verification of the UTR correctness.

Recommended action

Check the UTR on the bank statement for a possible typo; if it is confirmed to be the same transaction, approve the match, otherwise reject it.

Requires human reviewConfidence 88%· Cites 3 evidence ids, all verified to be in the bundle

Evidence records

Read-only source records involved in this exception.

Bank statement linebnk_000237

txn date: 2026-10-28
narration: NEFT/HMFCN96301006427/PGW SETTL/GATEWAY SETTLEMENTS
credit: ₹1,14,824.56
debit: ₹0.00
balance: ₹1,83,59,200.41

Settlementsetl_dBg8TI7Pp7IZqP

utr: HDFCN26301006427
amount: ₹1,14,824.56
settled at: 2026-10-28
created at: 2026-10-28T09:03:00+05:30
item count: 18
fee total: ₹2,052.02
gst total: ₹369.37

Rule trace

The deterministic rule that fired and what it saw.

{
  "rule": "stage2.fuzzy_suggest",
  "reason": "edit_distance_2",
  "best": {
    "settlement_id": "setl_dBg8TI7Pp7IZqP",
    "utr": "HDFCN26301006427",
    "token": "HMFCN96301006427",
    "token_source": "narration",
    "distance": 2,
    "truncated": false,
    "confidence": 0.875,
    "amount_equal": true
  },
  "runner_up": null,
  "margin": 0.875,
  "suggested": {
    "settlement_id": "setl_dBg8TI7Pp7IZqP",
    "utr": "HDFCN26301006427",
    "token": "HMFCN96301006427",
    "token_source": "narration",
    "distance": 2,
    "truncated": false,
    "confidence": 0.875,
    "amount_equal": true
  },
  "candidates": [
    {
      "settlement_id": "setl_dBg8TI7Pp7IZqP",
      "utr": "HDFCN26301006427",
      "token": "HMFCN96301006427",
      "token_source": "narration",
      "distance": 2,
      "truncated": false,
      "confidence": 0.875,
      "amount_equal": true
    }
  ]
}

Audit history

Append-only. Actor: system, llm or human.

llminvestigation2026-11-03 10:26:06 UTC
source=llm · model=openai/gpt-oss-120b · review_policy_applied=false
systemjournal draft2026-11-03 10:26:26 UTC
applicable=false · reason=SUGGESTED_MATCH needs a matching decision, not a journal entry