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Banking & reconciliation

Reconcile the bank without the spreadsheet

The month-end grind is matching the bank to your books. Finocket reads your bank statement, auto-detecting 11 Indian bank formats, and helps you clear each line against invoices, expenses and payments with rules you save once and reuse. Credit-card accounts and post-dated cheques are first-class, so every rupee in the bank has a home in your ledger.

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Import 11 Indian bank formats

Upload a statement and Finocket auto-detects the layout (SBI, HDFC, ICICI, Axis, Kotak, PNB, BOB, Canara, IDFC, IndusInd, Yes and a generic fallback), so you don't map columns by hand.

Reconcile with saveable rules

Match statement lines to your recorded invoices, payments and expenses; save a rule once (this payee → this account) and it clears similar lines next time.

First-class credit-card accounts

Track card spends and repayments as their own account, so card liabilities show correctly on your balance sheet instead of hiding inside expenses.

Post-dated cheque register

Record cheques you've issued or received with their due dates and see what's coming, so a PDC never surprises your cash position.

Photograph the statement when there's no CSV

Only got a PDF or a paper statement? Upload or photograph it and Finocket reads the lines out in whole paise, keeps only the last four digits of the account, and runs a running-balance checksum that flags any line the arithmetic doesn't support. A scanned statement is stamped as scanned and can never masquerade as a live bank feed. It produces statement LINES, not matches: matching stays suggest-only through the same matcher, the import is recorded as an auditable action, and one tap undoes the whole statement.

Honest about live feeds

Reconciliation runs on statement, CSV or scanned import today; automatic bank feeds arrive when you connect an Account Aggregator. So we say 'import & reconcile', not 'auto-sync'.

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GST & tax compliance

GSTIN per client, CGST/SGST/IGST splits, credit notes, GSTR-1/3B, e-invoicing (IRN) & e-way bills, ITC, RCM and TDS, plus GSTR-2B reconciliation, GSTR-9, composition (CMP-08), import bill of entry, ISD distribution, a DRC-01B/C self-check and consolidated returns across GSTINs.

Invoicing & payments

Estimates with online acceptance, deposits & payment schedules, a client portal, automated reminders and late fees, plus branded PDFs, UPI QR, WhatsApp share and multi-currency.

Double-entry books

Trial balance, P&L, balance sheet and cash flow from a proper double-entry ledger, plus Day Book, Cashbook, a permanent audit trail and one-tap Tally XML your CA imports.

Inventory & manufacturing

A live stock ledger with weighted-average COGS (opt-in FIFO or per-unit serials per item), batch & expiry, multiple godowns, landed costs, RFQ vendor-compare, reorder→draft-PO, and a bill of materials with work-centre routing, work orders and work-in-progress tracking.

Open a register with a cash float, scan or search items into a cart, take cash or UPI, and every sale becomes a GST invoice that draws down stock and posts to your books. Then close the drawer with an automatic over/short count.

Automation & approvals

Approval chains for the things that need a sign-off, workflow rules that react to what happens in your books, and a dunning ladder that chases overdue invoices for you.

Marketing & attribution

Group your QR codes, forms and landing pages under a campaign with one clean UTM set, then follow every scan and click through to leads, deals and collected revenue.

Personal finance

Log income, track ELSS/NPS/PF/FD/gold/MF/stocks, watch net worth, read both tax regimes side by side, and assemble an ITR working sheet where every rupee points at the row it came from.

Lead → deal → invoice → payment as ONE record, with a next action on every deal, rotting indicators, speed-to-lead alerts, dedupe & merge, multiple pipelines and booking links.

Forms & landing pages

Hosted lead-capture forms and mobile landing pages. Every submission stores the exact opt-in text as proof.

Outreach & compliance

Campaigns, follow-up sequences and one send chokepoint that checks consent + suppression on every message, plus dynamic QR codes that turn scans into leads and the option to send on your own WhatsApp, SMS and email accounts.

Partners & commissions

Referral links and coupon codes, milestones with tiered rates, an append-only commission ledger on collected revenue, and monthly CA-ready statements.

Connect Claude, ChatGPT or Perplexity to your books in a tap, plus a versioned REST API, a 257-tool MCP endpoint, bring-your-own AI keys, a usage monitor, an append-only AI action log, signed webhooks and roles enforced at the database.

Add as many companies as you run, each with its own name, GSTIN and numbering. Switch between them in a tap, with each company's books fully isolated.

AI you can preview, cap and undo

Every AI action shows the money it would move before you confirm it, goes through one audited door, and can be reversed after it posted, with a rupee-and-recipient ceiling you set yourself, a hash-chained action log, and a narration that deletes any figure it can't cite. Plus Scan-to-Add, Mysty, 280+ tools, voice and scanning in 23 Indian languages, and a PWA you install on your phone.

Working with no signal

Which parts of Finocket work without a connection, which don't, and the reason in every case, read straight from the same file the product itself reads, so it cannot drift.

Ready to ditch the spreadsheet?

Free for solo users until 31 Dec 2026 — no partner code needed. ₹99/month after that. No credit card. Your books stay yours.

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