Finance · bank statement analysis

Bank statements in. Reconciled books and a client-ready summary out.

For CA firms and finance teams that receive bank statements from customers every month. OpenAnalyst reads the statement, decides the ledger for every line, sends the client only the questions a person must answer, and prepares the reconciliation and the Tally import. Nothing posts without your approval.

Get started free Talk on WhatsApp Download the setup kit

Runs on your machine with your own API key. Files stay with the firm; only the transaction text needed for categorisation goes to your model provider under your key, or to a local model with nothing leaving the office.

The month, before and after

The same statement, without the copy-typing.

How the month runs today

Statements arrive as PDFs on WhatsApp, three banks per client, 200 to 600 lines each
An article assistant retypes or copy-pastes into Excel, then guesses ledgers from narrations
Questions to the client pile up until month end, then arrive as one long message
The BRS is built by hand and the difference is chased line by line
Tally entries are typed a second time

How it runs with OpenAnalyst

Statement dropped into the client folder as received; the original is never edited
Every line gets a ledger from masters, rules or the model, with the source line named
Only the lines a person must decide reach the client, as one WhatsApp question each, as they happen
BRS prepared with every difference named; the review owner approves
Tally-ready CSV and a four-number summary on WhatsApp

Setting up the file

One folder per client. Three small files teach the workflow.

The statement never changes. Every output sits beside it with the same name, so any number can be traced back to its line.

Folder layout

The client code is the folder. One folder per bank account. Month stems match across statement, categorised file, exceptions, BRS and summary.

clients/
  SPPL/                        client code
    bank/
      demo-bank-4471/          one per account
        2026-08.csv               statement as received
        2026-08.categorised.csv   every line with a ledger
        2026-08.exceptions.csv    questions for the client
        2026-08.brs.csv           books vs bank
    setup/
      bank-format-map.csv
      category-rules.csv
      masters.csv
    reports/
      2026-08-summary.md

bank-format-map.csv

Which statement column is the date, the narration, the reference, debit, credit, balance, and how to parse each. One row per bank format. Tested on one statement: dates parse, debit and credit never both filled, the running balance matches every line.

CSV

masters.csv

Customers, vendors, lenders and utilities from the Tally ledger export, with the narration pattern the bank prints for each and the GSTIN. Masters decide most lines before any rule or model runs.

CSV

category-rules.csv

Narration pattern → category, ledger and status. Eighteen rules cover statutory payments, EMIs, payroll, charges, returns, cash and owner narrations. Every answered question becomes a new rule.

CSV

How it does that

Five steps. Rules decide what they can, the model suggests the rest, a person approves.

1 · IngestStatement to lines

CSV, Excel or text PDF read with the bank's format map. Scanned PDFs go through OCR set up in the pack. Output: date, narration, reference, debit, credit, balance per line.

Automation

2 · CheckRunning balance

Opening balance plus credits minus debits must equal every closing balance. A break stops the run and names the line, so a bad parse never reaches the books.

Automation

3 · CategoriseMasters, rules, then the model

Names from masters first, rules second. Whatever is left goes to your model with the narration, amount, direction and ledger list. It returns a ledger and a confidence. Below 0.90 it is marked review.

RulesAI suggests

4 · ReconcileBooks versus bank

Lines matched to the Tally ledger export by amount, date and reference. Unmatched lines become BRS items with a name. The difference is explained to the rupee or stays open.

AutomationReview owner

5 · Ask and approveClient questions, then import

Lines marked ask go to the client on WhatsApp, one question each, in their language. Answers are written back with name and time. The review owner approves; only approved lines go into the Tally CSV.

ClientReview owner

Sample run · fictional data

Twenty-nine lines from Demo Bank, August 2026, categorised.

Demo Client, Shree Packaging Pvt Ltd, is invented. The narrations follow the formats Indian banks print. Categories come from the kit's masters and rules plus prepared model suggestions; this page does not call a model.

2026-08.categorised.csvOpening balance ₹4,82,310.50 · running-balance check passed on 29 of 29 lines

#	Date	Narration	Debit	Credit	Category · ledger	How	Status · note
1	01-08	NEFT CR-DEMO0001234-SHREE TRADERS-INV 2041		₹48,000	Customer receiptShree Traders (Sundry Debtors)	R12 · masters	autoInvoice 2041 named in narration
2	01-08	UPI/DR/2218/AMAZON PAY/OFFICE SUPPLIES	−3,540		Office expenseOffice Supplies	AI 0.86	reviewMarketplace payment; needs the bill for GST input
3	02-08	IMPS/P2A/VIKAS ENTERPRISES/ADV		₹1,20,000	Customer advanceVikas Enterprises (Sundry Debtors)	R12 · masters	autoADV in narration; book as advance, not sale
4	03-08	ACH DR-DEMO HOUSING FIN-EMI 4471	−38,420		Loan EMITerm Loan · Demo Housing Fin	R05	autoSplit principal and interest at month close
5	03-08	CHQ 000412 RAJ STEEL SUPPLIERS	−2,15,000		Vendor paymentRaj Steel Suppliers (Sundry Creditors)	R12 · masters	autoCheque 000412
6	05-08	GST PMT-CPIN 26080012345	−84,116		Statutory · GSTGST Payable	R01	autoCPIN captured
7	06-08	UPI/CR/9911/RAMESH KUMAR/ORDER 118		₹12,500	Customer receiptRamesh Kumar (Sundry Debtors)	AI 0.78	reviewOrder 118 not in the invoice register
8	06-08	CHQ DEP 000512 MEHTA AGENCIES		₹65,000	Customer receiptMehta Agencies (Sundry Debtors)	R12 · masters	autoCheque 000512 deposited
9	07-08	INWARD CHQ 000512 MEHTA AGENCIES RETURNED-INSUFF FUNDS	−65,000		Cheque returnMehta Agencies (Sundry Debtors)	R15	ask clientReverse the receipt; ask the client for the replacement
10	07-08	CHQ RETURN CHG-INWARD 000512	−590		Bank chargesBank Charges · cheque return	R07	ask clientRecover from customer? client decides
11	08-08	NEFT CR-DEMO0004321-PATEL TEXTILES		₹2,36,500	Customer receiptPatel Textiles (Sundry Debtors)	R12 · masters	ask clientNo invoice reference; three open invoices
12	09-08	TDS PMT 26Q CHALLAN 0088	−14,200		Statutory · TDSTDS Payable	R02	autoChallan 0088
13	10-08	UPI/DR/3310/SWIGGY/STAFF LUNCH	−1,260		Staff welfareStaff Welfare	AI 0.81	reviewSmall; confirm expense head
14	11-08	NEFT DR-ARJUN LOGISTICS-FREIGHT JUL	−42,300		FreightFreight Outward · Arjun Logistics	R12 · masters	autoJuly freight, bill 0719
15	12-08	IMPS/P2A/SHREE TRADERS/INV 2041		₹48,000	Customer receiptShree Traders (Sundry Debtors)	R12 · masters	ask clientSame invoice 2041 as line 1; duplicate or INV 2049?
16	13-08	BANK CHARGES-NEFT-JUL	−236		Bank chargesBank Charges	R07	auto
17	14-08	UPI/CR/4402/UNKNOWN/PAYMENT		₹9,999	Unidentified receiptSuspense	R16	ask clientNo payer name; ask the client
18	15-08	ACH DR-DEMO INSURANCE-FIRE POLICY	−18,750		InsuranceInsurance · Fire policy	R09	autoPrepaid; spread over 12 months at close
19	18-08	NEFT DR-RAJ STEEL SUPPLIERS-PO 218	−1,84,000		Vendor paymentRaj Steel Suppliers (Sundry Creditors)	R12 · masters	autoPO 218 matched to purchase register
20	19-08	CASH DEP-BRANCH 0442		₹2,10,000	Cash depositCash	R17	ask clientAbove ₹2,00,000; source and cash sales receipts needed
21	20-08	UPI/DR/5521/DEMO ELECTRICITY BOARD/BILL	−27,430		PowerElectricity · Demo Electricity Board	R10	auto
22	22-08	NEFT CR-DEMO0007710-VIKAS ENTERPRISES-INV 2050		₹88,000	Customer receiptVikas Enterprises (Sundry Debtors)	R12 · masters	autoInvoice 2050; advance from line 3 to adjust
23	25-08	EMI DEMO VEHICLE FIN 90021	−22,100		Loan EMIVehicle Loan · Demo Vehicle Fin	R05	auto
24	28-08	NEFT DR-SALARY AUG-12 EMP	−3,42,000		PayrollSalaries	R03	auto12 employees; matches payroll register
25	29-08	PF ECR PMT AUG	−41,040		PayrollPF Payable	R04	autoECR August
26	30-08	INT CREDIT SB		₹1,214	Interest incomeInterest on SB	R08	autoBook in bank ledger
27	31-08	SMS CHG Q2	−18		Bank chargesBank Charges	R07	auto
28	31-08	NEFT CR-DEMO0009988-MEHTA AGENCIES-CHQ REPL 512		₹65,000	Customer receiptMehta Agencies (Sundry Debtors)	R12 · masters	reviewReplacement for returned cheque 512; link to line 9
29	31-08	UPI/DR/6610/OWNER-A SHARMA/PERSONAL	−15,000		Drawings?Owner Current Account	R18	ask clientPersonal narration; drawings or reimbursable?

Inflow₹9,04,213

Outflow₹11,15,000

Closing per bank₹2,71,523.50

Decided without a person18 of 29

How column: R = rule number from category-rules.csv · masters = name matched in masters.csv · AI = model suggestion with its confidence. Download: statement · categorised · exceptions · BRS.

Ask client · 6 questions

Line 9₹65,000

Cheque 000512 from Mehta Agencies returned, charges ₹590 on line 10.

WhatsApp to clientMehta Agencies ka cheque 512 (₹65,000) return hua. 31 Aug NEFT ₹65,000 uska replacement hai? Charges ₹590 unse recover karein?

Then: Reverse receipt, link replacement, decide on charges

Line 11₹2,36,500

Patel Textiles paid ₹2,36,500 with no invoice reference. Open invoices: 2038 ₹1,12,500, 2044 ₹84,000, 2047 ₹40,000.

WhatsApp to clientPatel Textiles se ₹2,36,500 aaya, invoice nahi likha. 2038 + 2044 + 2047 = ₹2,36,500 hai. Yahi teen invoice close karein?

Then: Confirm allocation, then match

Line 15₹48,000

Shree Traders paid ₹48,000 against INV 2041 twice (lines 1 and 15).

WhatsApp to clientShree Traders ne INV 2041 ke ₹48,000 do baar bheje (1 Aug, 12 Aug). Doosra INV 2049 ka hai, ya duplicate refund karna hai?

Then: Confirm second invoice or raise refund

Line 17₹9,999

UPI credit of ₹9,999 with no payer name.

WhatsApp to client14 Aug ko ₹9,999 UPI se aaya, naam nahi hai. Kis customer ka hai?

Then: Identify payer; else park in suspense

Line 20₹2,10,000

Cash deposit of ₹2,10,000 at branch 0442, above the ₹2,00,000 review threshold.

WhatsApp to client19 Aug ₹2,10,000 cash deposit hua. Cash sales receipts ya koi aur source? Receipts share kar dein.

Then: Collect cash sales receipts before booking

Line 29₹15,000

UPI debit of ₹15,000 with a personal narration.

WhatsApp to client31 Aug ₹15,000 A Sharma personal. Drawings mein daalein ya company ka reimbursable kharcha hai?

Then: Owner decides: drawings or expense with bill

What the client receives · 1 September, 9:00

Shree Packaging · Aug 2026 bank summary
Inflow ₹9,04,213 · Outflow ₹11,15,000
Closing per bank ₹2,71,523.50; books ₹3,35,917.50: 4 reconciling items, all named.
GST paid ₹84,116 · TDS ₹14,200 · EMIs ₹60,520 · Salary and PF ₹3,83,040
18 lines booked, 4 under review, 7 need your word. Questions follow one by one.09:00 ✓✓

BRS · books to bank

Balance as per books	₹3,35,917.50
Cheque 000512 returned, not yet reversed in books	−₹65,000
Cheque return charges	−₹590
Interest credited by bank	₹1,214
SMS charges	−₹18
Balance as per bank	₹2,71,523.50

Set up AI and automation

Seven steps. About two and a half hours for the first client, under an hour for each next one.

Times are typical for a client with two bank accounts and a Tally ledger export. Steps 1 to 5 are done once with a person at the keyboard. Step 6 is where the automation switches on.

Install OpenAnalyst and choose your AI provider

Mac or Windows on the firm's machine. Gemini, OpenAI or Anthropic key, or Ollama for a local model. Desktop app access is free and needs no card. Pick a small model for categorisation; it is a classification job, not a reasoning job.

15 minFirm · once

Create the client folder from the finance kit

Copy the folder layout, the format map, the rules and the masters template. Fill the setup sheet: banks, who sends statements, review owner, client contact, cash threshold, confidence threshold.

10 minFirm · per client

Map the bank format on one statement

Point each field at its column. Run the ingest. The running-balance check must pass on every line before you continue; if it breaks, the map is wrong, not the bank.

20 minFirm · per bank format

Load masters from the Tally ledger export

Export ledgers from Tally Prime to Excel, paste names and groups into masters.csv, add the narration pattern the bank prints for each party. This one file decides most lines.

20 minFirm · per client

First run, then review twenty exceptions together

Run last month's statement. Sit with the review owner and clear the review and ask queues. Every answer that will repeat becomes a rule. Send the client their first questions so they learn the format.

45 minFirm + client · once

Switch on the automation

Folder watch: a new statement in the bank folder starts the run. WhatsApp: questions go to the client as they are found; the four-number summary goes on the 1st at 9:00. Approval gate: the Tally CSV is written only from lines the review owner approved. Log: every decision with name and time.

15 minFirm · per client

Monthly close with the checklist

Running-balance passed, ask queue empty, review queue empty, BRS explained to the rupee, approval logged, Tally import log saved, summary sent. Recurring items: EMI splits, prepaid insurance, advances adjusted against invoices.

30 minFirm · per month

Controls a finance team asks about

Nothing posts without a name and a time.

Data path

Statements stay on the firm's machine or server. The model receives narration text, amount and direction for the lines rules could not decide, under your key. Clients whose data must not leave the office run a local model through Ollama.

Approval gate

Auto means decided, not posted. The Tally CSV is generated only from lines the review owner approved. The approval, the approver and the time are written into the categorised file.

Traceability

Every output names the statement line it came from. The BRS names the line for every reconciling item. The exceptions file keeps the client's answer beside the question.

Thresholds you set

Cash deposit review threshold, model confidence threshold, and the list of narrations that always go to the client: returns, cash, unknown payers, owner payments, duplicate invoice numbers.

Open code

The categorisation and reconciliation templates are open-source code the firm can read and change. No black box between the statement and the ledger.

What it is not

Not a GST filing tool, not a lending decision, not an audit opinion. It prepares the books and the questions; the firm signs.

Ready today

Setup kit: folder layout, format map, rules, masters template, five worksheets
Sample run on fictional data with the exact output formats
Starter download with your own key; WhatsApp connector; Tally CSV import

Built with you during setup

Your banks' format maps and OCR for scanned statements
Your clients' masters and rules, tuned on the first month
The folder watch, WhatsApp question flow and approval gate switched on for each client

Worksheets and files

The finance setup kit.

Everythingfinance-setup-kit.zipAll files below in one download WorksheetBank statement setup sheetOne per client: banks, sources, owners, thresholds, folder, first-run checklist WorksheetCategory rulesMasters, rules, model: the three passes and the statuses WorksheetExceptions reviewThe weekly twenty minutes and the WhatsApp question format WorksheetMonthly closeBank to books, eight steps with owners WorksheetBank reconciliation statementTemplate with the rule: every item names its line Samplesample-bank-statement.csv29 fictional lines as a bank exports them Samplesample-categorised.csvThe same lines with ledger, how, status and note Samplesample-exceptions.csvSix client questions ready for WhatsApp

What it costs a firm

Free desktop. Pro includes all Pro features and Cloud for ₹2,000/month. A fixed-scope pack if you want the first clients set up with you.

Desktop

FreeWindows and Mac · no card required

Runs on the firm's machine. Any number of client folders. Your own API key pays for the AI; a month of categorisation for a client is a few rupees of model usage on a small model.

Get started free

Pro

₹2,000per month · all Pro features and Cloud

New bank format maps, rule packs and the WhatsApp question and summary templates as they improve. Priority support on WhatsApp for the review owner.

See pricing

Setup pack · Finance firm

₹60,00030 hours · 30 days validity · up to five clients · remote

Steps 1 to 6 done with you for up to five clients: bank formats mapped, masters, rules tuned on one month of statements, WhatsApp questions, BRS, automation on. New customers 15% off the first pack. Smaller: Starter 10 hours ₹25,000 for one client; Self-setup 5 hours ₹10,000. Full scope in the scope document.

Book on WhatsApp

Setup pack prices in INR, excl. 18% GST. Setup payments by UPI, card or bank transfer; GST invoice from OpenAnalyst AI Pvt. Ltd. (GSTIN 09AAFCO1076N1Z0) on request.

Questions finance teams ask

Practical answers.

Our statements come as PDFs. Does that work?

Text PDFs are read directly with the format map. Scanned PDFs need OCR, which is set up in the pack and checked with the running-balance test before it is trusted.

Which banks are supported?

Any bank whose statement can be exported or read as text. The kit ships a format map template; the map for each of your banks is built on its first statement and then reused.

How does it reach Tally?

As a CSV or XML import of approved lines, one file per statement, saved beside it with its import log. Nothing writes into Tally without the review owner's approval.

How accurate is the categorisation?

Masters and rules are deterministic: the same narration always gets the same ledger. Model suggestions carry a confidence; below your threshold they wait for a person. Accuracy is measured on your own clients in the first month, not claimed in advance.

Where does client data go?

Files stay on the firm's machine. For lines the rules cannot decide, the narration, amount and direction go to your model provider under your key. A local model through Ollama keeps everything in the office.

Does it file GST or make credit decisions?

No. It tags GST and TDS payments so the ledgers are right and prepares the books. Filing, opinions and lending decisions stay with the firm.

Start with one client

Drop last month's statement in a folder tonight. Read the exceptions tomorrow morning.

Free desktop, no card. Pro includes all Pro features and Cloud for ₹2,000/month. Or book the Finance firm pack and we set up the first clients with you.