Settled late

Settled after the T+n window (open), ₹97,689.66. Rule stage4.settlement_window; 19 record(s).

₹97,689.66Awaiting settlementopen7 Oct 2026settlement setl_fG8Ay5M5iyvghj

Explanation

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

LLM · openai/gpt-oss-120b

The settlement was received after the allowed T+ n business‑day window for the UPI method

The settlement record setl_fG8Ay5M5iyvghj shows a total amount of "₹97,689.66" settled on 2026-10-07. The earliest due date for the 18 payments was 2026-10-03, so the settlement arrived 3 business days late, triggering the TIMING_WINDOW_EXCEEDED exception. This delay breaches the gateway’s settlement SLA for UPI transactions.

Recommended action

Escalate the delay to the payment gateway and track it against the agreed settlement SLA

Requires human reviewConfidence 100%· Cites 2 evidence ids, all verified to be in the bundle

Evidence records

Read-only source records involved in this exception.

Settlementsetl_fG8Ay5M5iyvghj

utr: HDFCN26280258325
amount: ₹97,689.66
settled at: 2026-10-07
created at: 2026-10-07T09:00:00+05:30
item count: 20
fee total: ₹1,952.28
gst total: ₹351.42

Paymentpay_UleeYKEFahQLh2

order id: order_dzt4sm95wsiPqm
amount: ₹1,467.00
method: upi
status: captured
captured at: 2026-10-01T07:01:19+05:30

Paymentpay_ifYCv28Hki0lM3

order id: order_ZB9LTRKMN20UQX
amount: ₹13,827.00
method: upi
status: captured
captured at: 2026-10-01T07:48:59+05:30

Paymentpay_Aji8wQk0tdFhJh

order id: order_Om4o3uEAkIU7ce
amount: ₹1,352.00
method: upi
status: captured
captured at: 2026-10-01T08:02:05+05:30

Paymentpay_TsvZywFpwwU7HQ

order id: order_kNKXHG1SxsmNKY
amount: ₹10,899.00
method: upi
status: captured
captured at: 2026-10-01T08:51:47+05:30

Paymentpay_wQLnvowawBUaLA

order id: order_amxO8ul66bEFam
amount: ₹199.00
method: upi
status: captured
captured at: 2026-10-01T08:54:12+05:30

Paymentpay_hHY6svVET40fwe

order id: order_mydfcQ6l9U4z9v
amount: ₹32,901.00
method: upi
status: captured
captured at: 2026-10-01T09:12:51+05:30

Paymentpay_cix6MXfXScu4e8

order id: order_3NlP92xLkXV148
amount: ₹9,856.65
method: upi
status: captured
captured at: 2026-10-01T09:32:18+05:30

Paymentpay_KIBxPIamUvQCpC

order id: order_pWkLqXKmt0lQnI
amount: ₹7,302.00
method: upi
status: captured
captured at: 2026-10-01T09:34:49+05:30

Paymentpay_7mcjuDOEOk937t

order id: order_TOFgd8bj9NU1Oy
amount: ₹1,305.00
method: upi
status: captured
captured at: 2026-10-01T09:34:59+05:30

Paymentpay_QXNd7loDvMmyCd

order id: order_4o6zAfDU6Zv7Vv
amount: ₹1,291.00
method: upi
status: captured
captured at: 2026-10-01T09:54:52+05:30

Paymentpay_9uW3Mss8xo5YaW

order id: order_4A8onO8MIweFMe
amount: ₹123.27
method: upi
status: captured
captured at: 2026-10-01T09:55:20+05:30

Paymentpay_Eyu6Fd68mtmoIv

order id: order_EFvcOuaqEyTBR9
amount: ₹311.09
method: upi
status: captured
captured at: 2026-10-01T09:57:33+05:30

Paymentpay_rfER9nJo0yTRft

order id: order_9ke75kV1uK1NTu
amount: ₹1,499.00
method: upi
status: captured
captured at: 2026-10-01T10:25:11+05:30

Paymentpay_lUotefuxqcpnSm

order id: order_zFumXB7ieYegie
amount: ₹1,499.00
method: upi
status: captured
captured at: 2026-10-01T10:32:18+05:30

Paymentpay_i13CtVbxQfX5Lq

order id: order_xQTRggo5q5izfI
amount: ₹199.00
method: upi
status: captured
captured at: 2026-10-01T10:41:36+05:30

Paymentpay_dJLAwxPe9736fS

order id: order_CDInnNYruEpVKd
amount: ₹218.00
method: upi
status: captured
captured at: 2026-10-01T10:54:30+05:30

Paymentpay_H7TVmeUx5CR8qR

order id: order_IEtyli8QUbNxNL
amount: ₹23,521.00
method: upi
status: captured
captured at: 2026-10-01T11:06:57+05:30

Paymentpay_InwYHHjsFpyacy

order id: order_AyAPM7wgMQxbH0
amount: ₹3,789.00
method: upi
status: captured
captured at: 2026-10-01T11:24:17+05:30

Rule trace

The deterministic rule that fired and what it saw.

{
  "rule": "stage4.settlement_window",
  "windows_business_days": {
    "upi": 1
  },
  "earliest_due_date": "2026-10-03",
  "settled_at": "2026-10-07",
  "max_business_days_late": 3,
  "late_payments": 18
}

Audit history

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

llminvestigation2026-11-03 10:27:10 UTC
source=llm · model=openai/gpt-oss-120b · review_policy_applied=false
systemjournal draft2026-11-03 10:27:30 UTC
applicable=false · reason=TIMING_WINDOW_EXCEEDED needs a matching decision, not a journal entry