Unidentified credit

Bank credit with no matching settlement (open), ₹1,59,224.83. Rule stage2.unidentified_credit; 1 record(s).

₹1,59,224.83Amount at riskopen3 Oct 2026bank_line bnk_000087

Explanation

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

LLM · openai/gpt-oss-120b

No settlement or combination of settlements explains this credit

The credit of ₹1,59,224.83 on 2026-10-03 could not be matched to any existing settlement or group of unmatched settlements within the reconciliation window. There is no exact UTR match and no fuzzy candidates were found, indicating the transaction is not linked to any known ledger entry. The engine therefore flags it as an unidentified bank credit.

Recommended action

Contact the bank to identify the sender and obtain supporting documentation for the credit

Requires human reviewConfidence 96%· Cites 2 evidence ids, all verified to be in the bundle

Evidence records

Read-only source records involved in this exception.

Bank statement linebnk_000087

txn date: 2026-10-03
narration: BY TRANSFER-NEFT*HDFC0000240*AXISN26276873417*GATEWAY SETTL
credit: ₹1,59,224.83
debit: ₹0.00
balance: ₹83,52,095.04

Rule trace

The deterministic rule that fired and what it saw.

{
  "rule": "stage2.unidentified_credit",
  "exact_utr": false,
  "fuzzy_candidates": false,
  "batch": {
    "status": "none",
    "pool_size": 0,
    "method": "mitm"
  }
}

Audit history

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

llminvestigation2026-11-03 10:25:00 UTC
source=llm · model=openai/gpt-oss-120b · review_policy_applied=false
systemjournal draft2026-11-03 10:25:20 UTC
applicable=false · reason=UNIDENTIFIED_BANK_CREDIT needs a matching decision, not a journal entry