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Bookkeeping

Banking & Reconciliation

Invoicing

How to use the Bank Statement module

\u26A0 PDF upload is no longer accepted. Indian bank PDFs require OCR, and OCR cannot guarantee 100% accuracy on amounts, dates or Debit/Credit classification. This module now accepts only the XLSX file you can download directly from your netbanking portal — that gives 100% accurate extraction.

Log in to netbanking (IDFC First, HDFC, ICICI, SBI, Axis, Kotak, Yes, IndusInd, RBL, BOB, PNB, Canara all supported).
Go to Account Statement → choose period → Download as Excel / XLSX (not PDF).
Drop the XLSX file in the upload box below (or click to browse). Do not open and re-save the file in Excel first — upload exactly what netbanking gave you.
Automatic audit happens in 2 seconds: 4 integrity checks run (balance chain, Dr total, Cr total, Opening+Net=Closing). If anyone tampered with the file, it will be rejected with a row-level error. If it passes, data is 100% accurate.
Tally-ready Excel auto-downloads. You get 4 sheets: Reconciliation (audit summary), Bank (Tally import format), Tally Voucher Import (Payment/Receipt vouchers), and Review & Edit (fill party names / ledger type).
Import into Tally: Gateway → Import → Data from Excel → select the generated file.

Why XLSX only? Banks generate XLSX files server-side from structured database rows, so every column is exact. A PDF, by contrast, has to be OCR'd, which always produces a small error rate — unacceptable for accounting data. Same source, different container — XLSX is the safe one.

Scan:

Drop your purchase invoices here

or click to browse from your computer

Supports JPG, PNG, PDF (Max 10MB)

Turbo mode for bank statements — every page of your statement is read in parallel by the AI, so a 9-page HDFC / ICICI / SBI statement finishes in about a minute. You fill the party / ledger name column on the Review & Edit Excel sheet — that stays faster and more accurate than asking the AI to guess NEFT/UPI payees.

PDF Password (if protected)

Most bank statements are password-protected. Enter the password before uploading.

Remember

Common bank PDF passwords

HDFC Bank: DOB (DDMMYYYY) or first 4 of PAN + DOB

SBI: Account no. or DOB (DDMMYYYY)

ICICI: DOB (DD-MMM-YYYY) or PAN

Axis: DOB (DDMMYYYY) or last 4 of A/C no.

Kotak: DOB (DDMMYYYY) or CRN number

IndusInd: DOB (DDMMYYYY)

PNB/BOB/Canara: DOB or Customer ID

Yes Bank: DOB (DD/MM/YYYY)

Recommended Page Limits for Best OCR Results

Purchase / Sales Invoices1–5 pages per PDF

Payment / Receipt Vouchers1–3 pages per PDF

Bank Statements1–50 pages per PDF

Consolidated Bills (multi-invoice)1–10 pages per PDF

Large PDFs (50+ pages) may fail or give incomplete results. Use the PDF Splitter below to break them into smaller parts first.

Invoice Details

PURCHASE Detecting...

VOUCHER TYPE

SUPPLIER NAME

SUPPLIER GSTIN

INVOICE NO.

DATE

VOUCHER NO.

PLACE OF SUPPLY

HSN/SAC CODE

TALLY LEDGER

COST CENTRE

NARRATION

LINE ITEMS

Description	Tally Stock Item	Qty	Unit	Rate	Amount	GST %

BOOKING MODE

Split GST: keeps Taxable + CGST + SGST + IGST as separate ledger lines (default).

TAXABLE AMT

CGST

SGST

IGST

DISCOUNT / ADJUSTMENT (signed)

Use negative for discount (most common), positive for round-up / loading. Adjusts the Purchase / Sales ledger amount in Tally — does NOT change CGST/SGST.

TOTAL AMOUNT

INVOICE PREVIEW

Loading preview...

Sales Upload Template

Fill from your billing software (Marg, Busy, Vyapar, etc.) and import into Tally

Debtor Sales (Credit)

Dr Debtor A/c → Cr Sales A/c

Party buys on credit.

Cash Sales

Dr Cash A/c → Cr Sales A/c

Immediate cash at counter.

Bank Sales (Direct)

Dr Bank A/c → Cr Sales A/c

Via UPI/NEFT/Card.

Or upload filled template:

Supported: Excel (.xlsx / .xls / .xlsm / .csv) and HTML (.html / .htm — sales register exports from Tally, Marg, Busy, Vyapar, etc.)

📝

Upload altered Sales Excel → Tally XML

Edited a previously-generated sales-register Excel (corrected party names, amounts, ledgers, GST splits)? Drop it here to generate a fresh Tally XML directly from your edits. Supports both the BillBuddy Sales Entry template and any sales register Excel with header columns (Date, Party, Taxable, GST, Total).

Uploaded Sales Data Preview

Date	Bill No.	Type	Party Name	Taxable	GST%	Total

Template has 4 sheets: (1) Instructions — step-by-step guide, (2) Sales Entry — fill your data here, (3) Tally Import — auto-generated Tally voucher format, (4) GST Summary — rate-wise totals for GSTR-1. CGST/SGST auto-calculate. Party names must match Tally ledger names exactly.

Outstanding Bills / Receivables

Every sale you upload is tracked here. Record receipts (full or partial) to mark bills paid \u2014 ready for Tally Bill-wise Details.

Date	Bill No.	Party	Total	Received	Pending	Age	Status	Actions

No bills tracked yet \u2014 upload a sales register or Bill of Supply above and it will appear here.

Record Payment Received

Receipt Date

Amount Received (\u20B9)

Mode

Reference / Notes (optional)

Journal Entry Module

For expenses, service bills, party-wise purchases without detailed line items

Expense / Service Bills

Dr Expense A/c → Cr Cash/Bank

Rent, electricity, fees etc.

Party-wise Purchase

Dr Party A/c → Cr Purchase A/c

Only party ledger maintained.

GST Adjustments

Dr Input GST → Cr Party A/c

Input credit, TDS, adjustments.

GST Booking Mode

Choose how scanned bills should book GST in journal entries

Total Amount mode: Books full invoice amount as single entry. E.g. Dr Rent A/c 11,800 → Cr Party A/c 11,800 (GST included in total)

Upload expense bills / service invoices above, or manually add journal entries below. OCR will extract party name, amount, and generate Tally journal voucher.

TDS auto-deduction: When a row has a TDS Section selected, the export adds an extra "Dr Party A/c / Cr TDS Payable - 194X" line. Net effect: party gets credited net-of-TDS, TDS Payable ledger gets credited the deduction. Suggested rates apply on the Debit (taxable) amount automatically — override anytime. Sections supported: 194J (10%), 194C (1/2%), 194I (10/2%), 194H (5%).

Bill Type	Date	Debit Ledger (Dr)	Debit Amount	Credit Ledger (Cr)	Credit Amount	TDS Sec.	TDS Amt	Narration	Action
Manual

Round-trip to fix entries before Tally import: ① Click Download for Review → open the Excel and edit the Journal Entries (Edit Here) sheet (other sheets are read-only / for Tally direct import). ② Save the file and pick it via Upload Edited Excel below — the table here refreshes with your edits. ③ Click Generate Tally XML and import the XML in TallyPrime.

② Upload Edited Excel:

Cheque OCR → Payment Voucher

Upload cheque image to auto-extract party name, amount, date and generate Tally payment voucher

How It Works

1. Upload cheque image (front side)

2. OCR extracts: Payee, Amount, Date, Cheque no., Bank

3. Review and edit details

4. Export Tally Payment Voucher (Dr Party, Cr Bank)

Tally Accounting Entry

Payment Voucher:

Dr. Party / Creditor A/c ... Amount

Cr. Bank A/c ... Amount

Narration: Payment to [Party] by Cheque No. [XXX]

Upload cheque images above (drag & drop or click). OCR will extract cheque details automatically.

Extracted Cheque Details

Cheque No.	Date	Payee (Pay To)	Amount	Bank Name	Bank Ledger

Receipt — Bill-wise Debtor Clearing

Match bank receipts against outstanding debtor invoices for Tally bill-wise clearing

How Bill-wise Clearing Works

Tally needs to know which invoice(s) are being settled.

1. Enter receipt/bank credit details

2. Add outstanding invoices for debtor

3. Allocate against specific invoices

4. Export with bill references for Tally

Tally Accounting Entry

Receipt: Dr Bank A/c, Cr Debtor A/c

Bill Reference:

Against Ref: INV-001 = 50,000

Against Ref: INV-002 = 30,000

New Ref: ADV-001 = 20,000 (advance)

Add Receipt Details

DATE

DEBTOR NAME

AMOUNT RECEIVED

BANK LEDGER

MODE

REF / UTR NO.

OUTSTANDING INVOICES (Bill-wise Allocation)

Invoice No.	Invoice Date	Invoice Amount	Amount Allocated	Type	Action

Allocated: 0 / Received: 0

Saved Receipt Entries

Date	Debtor	Amount	Bank	Mode	Ref No.	Bill Refs	Action

Invoice Generator

TEMPLATE TYPE

RECEIPT/INVOICE NO.

Your Business Information

BUSINESS/ORG NAME

GSTIN/TAX ID

ADDRESS

Recipient Information

RECIPIENT NAME

EMAIL / CONTACT

ADDRESS

Items / Services

Description	Qty	Rate	Tax %	Amount
				₹0

Subtotal: ₹0

Tax: ₹0

Total: ₹0

INVOICE DATE

PAYMENT MODE

NOTES / TERMS

Bank Statement Processed

BANK ACCOUNT NAME (Tally Ledger)

Must match your Tally ledger exactly. New ledgers are auto-created on import — no more "Ledger does not exist" errors. Load my ledger list

STATEMENT PERIOD

COST CENTRE (for all)

How Bank Statement Import Works:

Step 1: Click "Download Excel for Review" — it has all extracted transactions.

Step 2: Open the Excel → go to "Review & Edit" sheet → fill in Party Name and Tally Ledger for unknown transactions.

Step 2a: In the Ledger Type column, pick "New" (ledger needs to be created in Tally first) or "Existing" (already in Tally). Defaults are pre-filled based on our best guess — change them if needed. Only rows marked New end up in the "New Ledger Masters" sheet.

Step 3: Save the Excel file after editing.

Step 4: Upload the edited Excel below using "Upload Reviewed Excel" → Click "Generate Tally Import".

Step 5: BillBuddy will read your edits and generate a corrected Tally Voucher Import file with all your changes.

Step 6: Import into Tally: Gateway of Tally → Import Data → Vouchers.

Upload Reviewed Excel → Get Tally-Ready File

After editing the "Review & Edit" sheet, upload it back here to generate a corrected Tally Voucher Import file.

Tick the Already in Tally? column for any entry already booked in Tally (cheque issued, party receipt, EMI etc.) — they will be skipped from the XML.

Date	Description	Party Name	Type	Debit	Credit	Tally Ledger	Status	Already in Tally?

Bank Reconciliation

Upload your Tally bank ledger as-is — no template needed. We auto-detect headers, opening balance, "as per details" sub-rows (multiple cheques / NEFT in one voucher) and salary / cost-centre splits, then collapse them into the parent voucher for matching.

Step 1: Tally Bank Ledger

Tally → Display More Reports → Account Books → Ledger → Bank A/c → Alt+E → Excel. Upload the file as-is — no cleaning, no copy-paste.

Step 2: Bank Statement

Net banking → Statement → Download as Excel / CSV (HDFC, ICICI, SBI, Axis, IDBI, Kotak). Upload the raw file — we'll find the columns.

Step 3: Auto-Match

We match by amount + date (±3 days), then by cheque/ref number. Shows Matched, Tally-only, Bank-only with full BRS.

Help — How to download data from Tally + Bank, and the Dr/Cr direction trap

📥 How to download the Tally Bank Ledger

In Tally Prime: Gateway of Tally → Display More Reports → Account Books → Ledger
Pick your bank ledger (e.g. HDFC Bank A/c, IDBI Bank 24152).
Set the period: F2 → enter the From & To dates of the month you're reconciling.
Press Alt + E → choose Excel (Spreadsheet) as the format.
Upload that file as-is in step 1 above. Do not clean it — the parser handles "(as per details)", sub-rows, salary splits, and the company header.

🏦 How to download the Bank Statement

Log in to net-banking (HDFC, ICICI, SBI, Axis, IDBI, Kotak, Yes, etc.).
Go to Account Statement / Transaction History.
Pick the same date range as the Tally export.
Choose Excel or XLS format. Do NOT use PDF — OCR on bank PDFs is unreliable.
Upload the raw file in step 2. The parser auto-detects column layouts (Withdrawal/Deposit, Debit/Credit, single Amount + Cr/Dr indicator like IDBI).

⚠ The Dr / Cr direction trap (this is where most people get stuck)

Tally and the Bank look at the same money from opposite sides. Knowing this prevents 90% of reco confusion:

Real-world event	Tally Bank Ledger	Bank Statement
Customer pays you ₹50,000 by NEFT	Dr ₹50,000 (bank balance ↑)	Cr / Deposit ₹50,000
You pay vendor ₹20,000 by cheque	Cr ₹20,000 (bank balance ↓)	Dr / Withdrawal ₹20,000

So Tally Dr = Bank Cr (money in) and Tally Cr = Bank Dr (money out). They look opposite but represent the same transaction.

You don't need to flip anything yourself. The matcher auto-detects which perspective each side is in and shows a banner: 🔄 Smart Detection: cross-direction, auto-corrected (Tally is in books perspective) or ✓ same perspective (rare — only when Tally was exported in bank-perspective mode).

🔁 Carry-forward across months (the new optional step 3)

Each month, after running the reco, items in Tally Only + Bank Only are unmatched. Some legitimately won't clear this month (cheque issued late, deposit in transit, bank charges not booked). Save the exported Bank_Reconciliation_Report_*.xlsx and upload it in step 3 of next month's reco — those still-unmatched rows get added to the candidate pool with a [CF YYYY-MM] tag in the Particulars. They'll match against new transactions when they actually clear, or roll forward again automatically.

Already did a reco earlier? Skip steps 1-3 — just upload your previously-exported Bank_Reconciliation_Report_*.xlsx here. Manual Match # codes you've filled in get applied, and a fresh updated Excel auto-downloads.

📂 Resume saved reco:

1. Tally Bank Ledger (raw Alt+E export)

Drop the Excel exactly as Tally gave it — with the company name, address, "Vch Type", "Vch No.", and any "(as per details)" + sub-row breakups. We handle all of it.

2. Bank Statement (net-banking Excel / CSV)

Upload the XLSX / CSV from your net-banking portal. Headers like Withdrawal/Deposit, Debit/Credit, Dr/Cr are auto-detected.

3. Previous Period Unmatched (optional — carry forward)

Upload last month's exported Bank_Reconciliation_Report_*.xlsx. Items still showing in its Tally Only & Bank Only sheets get added as candidates for THIS month's match. Anything that still doesn't clear is auto-rolled into the new export — just keep uploading the latest report each month.

Prefer a fixed template? Click to download / upload our 2-sheet Excel template (optional)

Download Blank Template

2 sheets — "Tally Data" & "Bank Data" — with fixed columns Date | Particulars | Debit | Credit. Paste your data, save, upload back.

Upload Filled Template

Drop the filled template (both sheets at once).

TALLY DATA PREVIEW (0 entries)

Date	Particulars	Debit	Credit

BANK DATA PREVIEW (0 entries)

Date	Particulars	Debit	Credit

Opening balance (optional but recommended for accurate BRS)

If your Tally export has an "Opening Balance" row at the top we'll auto-detect it. If not, enter it here so the BRS lands on the correct closing figure.

Tally Opening Balance (₹)

Opening type

Bank statement closing (₹) - optional, to verify BRS ties out

Upload template or both files to begin

Matched Entries

In Tally, Not in Bank

In Bank, Not in Tally

Difference Amount

Manual-match round-trip — auto-matcher missed some pairs?

① Click Export Full Reco Report → open the Excel and find the missed pairs in Tally Only + Bank Only sheets. ② Pair them in the Manual Match # column using either method:

A. type the SAME code (e.g. M1) in BOTH sheets, OR
B. on ONE sheet, type the OTHER side's Row number (e.g. 40, d40, T40 — digits are what count).

③ Save and re-upload via Upload Edited Reco Excel below — pairs move to Matched (tagged "Manual"), and a fresh Excel auto-downloads.

② Upload Edited Reco Excel:

TALLY LEDGER				BANK STATEMENT
Date	Particulars	Debit	Credit	Date	Particulars	Debit	Credit

#	Date	Particulars	Debit	Credit	Amt (search)	Amt match	Cheq/Ref match	Name match	Remark

#	Date	Particulars	Debit	Credit	Amt (search)	Amt match	Cheq/Ref match	Name match	Remark

Bank Reconciliation Statement (BRS)

Balance as per Tally (Book):0.00

Add: Credit in Bank, not in Tally:0.00

Less: Debit in Bank, not in Tally:0.00

Add: Debit in Tally, not in Bank:0.00

Less: Credit in Tally, not in Bank:0.00

Balance as per Bank Statement:0.00

How to read this:

Tally-only = In books but not cleared by bank (cheques issued not presented, NEFT initiated not processed)

Bank-only = Bank processed but not in books (bank charges, auto-debits, interest credited, direct deposits)

Matched = Both Tally and Bank agree. Bank date shown for reference.

Vendor Reconciliation \u2014 Tally vs Vendor's Ledger

Match invoice-by-invoice. Auto-handles Tally cost-centre sub-rows, normalises invoice numbers, flags TDS / round-off / date-shift differences, drafts a polite vendor email.

VENDOR NAME (Tally Ledger)

PERIOD FROM

PERIOD TO

1. Your Tally Ledger of this Vendor

Export from Tally: Display More Reports \u2192 Account Books \u2192 Ledger \u2192 select vendor \u2192 Alt+E \u2192 Excel. Cost-centre sub-rows are collapsed automatically.

2. Vendor's Ledger (sent by them)

Copy the vendor's ledger out of Excel / printed statement and paste here (Ctrl+V). Tabs or commas both work. First row must be the column headers (Date / Inv No / Particulars / Debit / Credit / Balance — case and order don't matter, headers are auto-detected).

Opening balance (1^st day of period)

If your Tally / vendor export has an "Opening Balance" row at the top, we auto-detect it. If not — or if you want to override it — enter manually here. The variance between the two opening balances is reported as a separate line in the summary so it doesn't pollute the unmatched lists.

Tally side opening balance

₹

Vendor side opening balance

₹

TDS rate(s) you deducted on this vendor

Tick whichever rates apply. The matcher will try each rate to spot invoices where your books show the net (after TDS) amount but the vendor's books show the full invoice value. Common defaults are pre-ticked.

1% (194C ind) 2% (194C co) 5% (194H/194-I com) 7.5% 10% (194J/194I rent) 0.1% (194Q) Custom: % Disable TDS-aware matching

GST Reconciliation — Books vs GSTR-2B

Match your Purchase Register with GSTR-2B, track pending ITC, validate GSTINs, flag blocked credits

Step 1: Download Template

Purchase Register template in GSTR-2B format. Fill from Tally / Zoho / Busy / Swipe.

Step 2: Get GSTR-2B

Download GSTR-2B Excel from GST portal (Returns Dashboard → GSTR-2B → Download).

Step 3: (Optional) Last Month

Upload previous month's output file — unmatched ITC rolls forward automatically.

Step 4: Reconcile

Get one Excel with matches, mismatches, aging ITC, vendor scorecard, blocked credits.

Client GSTIN *

Reconciliation Period *

Tax Tolerance (₹)

Default ₹1 — values matching within this are treated as Exact Match

Download Purchase Register Template

How to export from Tally / Zoho / Busy / Swipe

Tally: Gateway → Display → Statutory Reports → GST → GSTR-2 / Purchase Register → Alt+E (Export) → Excel → Copy GSTIN, Invoice No, Date, Taxable Value, CGST, SGST, IGST into this template.

Zoho Books: Reports → GST → Purchase Register → Export as Excel → Column map to template.

Busy: Display → GST Reports → GSTR-2A / Purchase Register → Export Excel.

Swipe / Vyapar: Reports → GST → Input Tax Credit / Purchase Register → Export.

How to Download GSTR-2B

1. Login to gst.gov.in

2. Returns Dashboard → Select period → Click GSTR-2B

3. Click DOWNLOAD → Generate Excel file

4. Upload the downloaded Excel here (on the right)

GSTR-2B shows only those invoices uploaded by your suppliers in GSTR-1 / IFF by the cut-off date.

1. Purchase Register

Filled template from your books

2. GSTR-2B (from portal)

Excel file downloaded from gst.gov.in

3. Previous Output (Optional)

Last month's output file — carries forward pending ITC

Upload Purchase Register and GSTR-2B to begin

GST Utilities

GSTIN Bulk Validator

Paste or upload GSTIN list → format check + checksum validation

ITC Eligibility Check (Sec 17(5))

Upload Purchase Register → flags blocked credits (motor vehicles, F&B, club, insurance, etc.)

Vendor Compliance Scorecard

Upload 3-6 months of reconciled output files → rates each vendor

GSTIN Alias Map

Two different GSTINs belong to the same supplier (e.g. they changed registration). Map them here so the reco treats them as one.

Aliases are stored on this device only (localStorage), scoped to your client GSTIN. Enter the client GSTIN at the top of the page before opening this modal so aliases load for the right client.

Alias GSTIN	Treated as	Action
No aliases defined

How rolling carry-forward works (IMPORTANT — read once)

No server storage. All state lives inside the Excel file you download.

First month: Upload only Purchase Register + GSTR-2B. Get an output file with a "Pending_ITC_Master" tab showing unmatched items (Age = 1 month).

Next month: Upload Purchase Register + GSTR-2B + last month's output Excel. The app re-checks pending items against the new 2B — if a supplier has now filed, it moves to "Matched-Delayed". Still pending? Age becomes 2 months. At 3+ months, it is flagged as "ITC-AT-RISK".

Save the output as Pending_Master_[Month].xlsx every month. Next month, just upload it in box #3.

Welcome back

Upload altered Excel → Tally XML

How to use the Bank Statement module

Already reviewed an Excel? Generate Tally XML here

Drop your purchase invoices here

PDF Password (if protected)

Recommended Page Limits for Best OCR Results

PDF Splitter Tool

Invoice Details

BOOKING MODE

Sales Upload Template

Debtor Sales (Credit)

Cash Sales

Bank Sales (Direct)

Upload altered Sales Excel → Tally XML

Uploaded Sales Data Preview

Outstanding Bills / Receivables

Record Payment Received

Journal Entry Module

Expense / Service Bills

Party-wise Purchase

GST Adjustments

GST Booking Mode

Cheque OCR → Payment Voucher

How It Works

Tally Accounting Entry

Extracted Cheque Details

Receipt — Bill-wise Debtor Clearing

How Bill-wise Clearing Works

Tally Accounting Entry

Add Receipt Details

OUTSTANDING INVOICES (Bill-wise Allocation)

Saved Receipt Entries

Invoice Generator

Your Business Information

Recipient Information

Items / Services

Bank Statement Processed

How Bank Statement Import Works:

Upload Reviewed Excel → Get Tally-Ready File

Bank Reconciliation

Step 1: Tally Bank Ledger

Step 2: Bank Statement

Step 3: Auto-Match

1. Tally Bank Ledger (raw Alt+E export)

2. Bank Statement (net-banking Excel / CSV)

3. Previous Period Unmatched (optional — carry forward)

Download Blank Template

Upload Filled Template

TALLY DATA PREVIEW (0 entries)

BANK DATA PREVIEW (0 entries)

Bank Reconciliation Statement (BRS)

How to read this:

Vendor Reconciliation \u2014 Tally vs Vendor's Ledger

GST Reconciliation — Books vs GSTR-2B

Step 1: Download Template

Step 2: Get GSTR-2B

Step 3: (Optional) Last Month

Step 4: Reconcile

Download Purchase Register Template

How to Download GSTR-2B

1. Purchase Register

2. GSTR-2B (from portal)

3. Previous Output (Optional)

GST Utilities

GSTIN Bulk Validator

ITC Eligibility Check (Sec 17(5))

Vendor Compliance Scorecard

GSTIN Alias Map

Account & Settings

Tally Ledger Master List

Tally Stock Item Master

Payment request submitted

Pre-Import Review — Tally XML

Warnings

Ledgers referenced in this batch

Vouchers to be imported

Load Your Tally Ledger List

Revert / Delete a Tally XML Batch