Every bank line, read, matched and explained

What it reads

• Bank statements: PDF (including password-protected), CSV, Excel.
• Credit-card statements, including EMI conversions, fees and GST on fees.
• Bank alert emails (via Inbox-to-Ledger) — so a payment shows up before the statement does.
• Tested formats today: HDFC Bank statements and ICICI Bank credit-card statements; other Indian banks via CSV/Excel export.

What it does with each line

1. Reads the date, narration, amount, balance and reference.
2. Classifies the line: vendor payment, salary, GST payment, bank charge, transfer between your own accounts, card bill, EMI, refund.
3. Matches it to a bill, invoice or receipt from your inbox or uploads.
4. Attributes it to the right company — useful when one founder's card pays for several companies.
5. Drafts the entry and shows its reasoning and evidence.
6. Waits for your approval in One-Tap Decisions.

The hard cases it handles

• Card fees with 18% GST on the fee, split into the right ledgers.
• EMI conversions shown as one line on the statement but many instalments.
• Transfers between your own accounts that must not become income or expense.
• One payment covering several bills, or one bill paid in parts.

Why this beats copying rows into Tally

Copying rows gives you a list. Statement Sense gives you an entry with its proof: the bill, the bank line and the reason, linked forever. When your CA asks "what was this ₹1,09,740?", the answer is one click away.