Import and reconcile bank statements in Aczen Bilz

Upload your bank statement in CSV or PDF format and let Aczen Bilz automatically match every transaction against your recorded invoices and journal entries.

Bank reconciliation is the process of confirming that every transaction in your bank account matches an entry in your accounting records. When they match, you know your books are accurate. When they don’t, you have found either a missing journal entry or an error that needs investigation. Aczen Bilz handles the matching for you automatically — you upload your statement, the AI parses it, and within seconds you see which transactions are reconciled and which ones need attention.

Supported file formats

Aczen Bilz accepts bank statements in CSV and PDF formats. Most Indian banks offer a CSV export from their net banking portal. PDF statements are also supported — Aczen Bilz extracts the transaction table from text-based PDFs automatically.

Supported banks

The following banks are supported out of the box. Any other bank whose statement uses a standard column layout will also work.

Bank	Common column layout
HDFC Bank	Date, Narration, Chq/Ref No, Value Date, Withdrawal Amt, Deposit Amt, Closing Balance
ICICI Bank	Transaction Date, Value Date, Description, Ref No./Cheque No., Debit Amount, Credit Amount, Balance
Axis Bank	Transaction Date, Description, Debit/Credit Amount, Balance
State Bank of India	Txn Date, Description, Debit, Credit
Kotak Mahindra Bank	Date, Description, Debit, Credit, Balance
Punjab National Bank	Date, Particulars, Debit, Credit
Bank of Baroda	Date, Description, Debit, Credit

Download the statement directly from your bank’s net banking portal as a CSV file. If only PDF is available, use the PDF download — Aczen Bilz can parse text-based PDFs from all major Indian banks.

Scanned or image-only PDFs cannot be parsed. If your bank provides a scanned statement, request a digital (text-based) PDF or use the CSV export instead.

HDFC and ICICI sample formats

The expected column headers for the two most common formats are shown below.

HDFC Bank CSV

Date,Narration,Chq/Ref No,Value Date,Withdrawal Amt,Deposit Amt,Closing Balance

ICICI Bank CSV

Transaction Date,Value Date,Description,Ref No./Cheque No.,Debit Amount,Credit Amount,Balance

Aczen Bilz automatically detects the column mapping regardless of which bank format you upload. After parsing, it shows you the detected mapping so you can confirm it is correct before reconciling.

How to import and reconcile a bank statement

1. Open Bank Reconciliation

   In the left sidebar, click Banking → Bank Reconciliation.

2. Upload your statement

   Drag and drop your CSV or PDF file onto the upload area, or click it to browse and select a file. Aczen Bilz immediately begins parsing the statement using AI.

   While parsing, you will see a progress indicator. Once complete, a summary appears showing:

   • Number of transactions found
   • Bank name detected (e.g. HDFC, ICICI)
   • Total deposits and total withdrawals
3. Review the detected column mapping

   After parsing, Aczen Bilz displays the column mapping it detected — for example, which column it mapped to Date, Description, Debit, and Credit. Verify that the mapping looks correct before proceeding.

4. Run AI Reconciliation

   Click AI Reconcile. Aczen Bilz compares every bank transaction against all posted journal entries in your ledger. The matching uses amount, date (with a ±7 day tolerance), and description to score each potential pair.

5. Review the results

   The results appear in three tabs:

   • Matched — bank transactions paired with a ledger entry
   • Unmatched Bank — bank transactions with no corresponding journal entry
   • Unmatched Ledger — posted journals with no corresponding bank transaction

   Review the summary cards at the top for a quick count: total bank transactions, matched count, unmatched count, and the difference between the bank balance and ledger balance.

6. Handle unmatched transactions

   For each unmatched bank transaction, click Create Entry to open the journal creation dialog. Aczen Bilz pre-fills the date, amount, and narration from the bank transaction. Select the correct accounts and click Create — the journal is posted immediately and the transaction moves to the matched list.

How auto-matching works

Aczen Bilz scores each bank transaction against each posted ledger entry using a weighted formula:

Factor	Weight	How it is scored
Amount	50%	Exact match scores 1.0; within 1% scores 0.8; within 5% scores 0.5
Date	35%	Same day scores 1.0; ±1–2 days scores 0.7–0.8; ±3–7 days scores 0.1–0.6
Description	15%	Exact match scores 1.0; partial word match scores 0.1–0.6

A combined score of 0.8 or above is automatically marked as matched. Scores between 0.5 and 0.8 are flagged as partially matched for your review.

Auto-matching only works against posted journal entries. If you have draft journals, post them first before running reconciliation.

Manually resolving unmatched items

If a bank transaction could not be matched automatically, you have two options:

Create a new journal entry from the unmatched transaction

Click Create Entry next to the unmatched bank transaction. In the dialog:

1. Confirm or edit the date and narration — these are pre-filled from the bank statement.
2. Select the bank account (the account that represents the bank in your Chart of Accounts).
3. Select the counter account — for example, a sales income account for a deposit or an expense account for a withdrawal.
4. Click Create. The journal is posted and the bank transaction is considered reconciled.

Investigate an unmatched ledger entry

If a posted journal has no corresponding bank transaction, it means the transaction may be pending clearance, was entered in error, or occurred in a different period. Check your bank statement for the entry and either wait for it to clear or reverse the journal if it was entered by mistake.

Reconciliation summary

After reconciliation, the summary cards show:

Bank transactions

The total number of transactions parsed from your uploaded statement.

Matched

The number of bank transactions successfully paired with a ledger entry.

Unmatched (bank)

Bank transactions with no ledger entry — these need a new journal or investigation.

Difference

The gap between the bank closing balance and the ledger balance. A difference of ₹0 means you are fully reconciled.

Viewing past reconciliations

All reconciliation sessions are saved automatically. Scroll down to the Reconciliation History table to see every statement you have imported. Click any row to load the full transaction list, matched pairs, and unmatched items for that session.

Each history row stores the complete parsed statement data. You do not need to keep the original CSV or PDF file after uploading — Aczen Bilz retains all transaction details.