Stop the money leaking
out of your reconciliation
Every month, Indian businesses lose 2–3% of platform revenue to fee errors, lakhs in unrecovered TDS credits, and ITC that lapses unclaimed — quietly, inside numbers that look reconciled. TransactIG finds it, classifies it, and tracks it to recovery — built natively for TDS, GST, NACH, and platform settlements.
Where the money leaks
Leakage rarely shows up as a missing payment. It hides inside numbers that look reconciled — a deduction nobody verified, a credit nobody claimed, a dispute that aged past its window.
For a business invoicing ₹5 crore+ in services — Form 26AS mismatches that age past the deductor’s correction window become receivables that disappear.
TDS reconciliation →Commission overcharges, double-deducted fees, and missing disbursements inside aggregated marketplace payouts — invisible without line-level fee verification.
How leakage works →ITC claimed without GSTR-2B backing accrues interest from the original filing date — and credits from non-filing suppliers lapse permanently.
GST reconciliation →Under manual processes, this share of aggregator disputes stays unresolved past 60 days — beyond most platforms’ recovery windows.
The full guide →Illustrative ranges from our published reconciliation guides — each card links to the worked example. See every leakage class and what it costs →
TransactIG
Stops revenue leakage for high-volume Indian businesses — TDS sections, GST against GSTR-2B, NACH batch aggregation, platform settlement matching. Every unmatched line found and classified. 24+ industry presets.
- ▸ Multi-pass matching engine with Indian tax intelligence
- ▸ Variance taxonomy — every unmatched line classified
- ▸ ISO 27001:2022 · AWS Mumbai · Patent filed
TransactIQ
Bank statement analyzer API for Indian NBFCs. OCR coverage on degraded, PSU, and co-operative bank statements. 40+ engineered features for underwriting, bounce prediction, and fraud signals.
- ▸ Self-hosted and managed deployment with India data residency on AWS Mumbai
- ▸ Accuracy benchmarked on dot-matrix and co-op statements
- ▸ Synthetic P&L, balance sheet, and cash flow for MSME lending
Built for Indian reconciliation complexity
Generic tools fail because they ignore the structural complexity of Indian finance: layered tax deductions, multi-party platform settlements, and high-volume batch credits. Each layer is a place where money leaks.
TDS & Statutory Deductions
Every vendor payment arrives net of TDS. Section 194C, 194J, 194H, 194I — each with different thresholds and rates. Matching net receipts to gross invoices requires embedded tax intelligence, not manual adjustment. Every unmatched deduction is a Form 26AS credit at risk of lapsing.
Platform Settlement Lag
OTAs, aggregators, and marketplace platforms (Amazon, Zomato, MakeMyTrip) disburse settlements 3–30 days after the transaction, aggregated across multiple orders, with commission and TDS pre-deducted. Single-row matching fails entirely — and every unverified deduction inside the payout is potential fee leakage.
NACH & Batch Aggregation
Payroll NACH, loan EMI collections, and institutional payments arrive as a single bank credit covering hundreds of individual records. Matching a ₹1.2 Cr credit to 480 employee accounts requires batch disaggregation logic. Every unmatched return is an EMI collected but never booked.
Configured for 24 industries
Each industry preset encodes the transaction types, variance tolerances, and matching rules specific to that vertical. No custom development for standard use cases.
8 core reconciliation patterns
TransactIG implements named matching patterns that map to real-world transaction flows. Each pattern is configurable, not hardcoded.
Enterprise security and compliance
Built for organisations where financial data handling is a regulatory obligation, not just a preference.
Built by practitioners
TransactIG was built by people who have run reconciliation operations at scale across Indian enterprises — not by generalist software engineers.
20+ years in financial operations, enterprise ERP, and transaction processing across Indian industries. Founded Terra Insight in April 2024 to solve structural reconciliation debt at the infrastructure layer.
View leadership →Ready to see how much you're leaking?
Tell us your industry, ERP, and monthly transaction volume. We will show you, on your own workflow, exactly where the money is going — before the first call.