Financial Operations
Infrastructure for Indian Businesses
Two products, one architectural principle: deterministic, India-first, config-driven. TransactIG reconciles transactions across TDS, GST, NACH, and platform settlements. TransactIQ turns bank statements into underwriting signals for NBFCs.
TransactIG
Reconciliation infrastructure for high-volume Indian businesses. TDS sections, GST against GSTR-2B, NACH batch aggregation, platform settlement matching. 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 Launching 2026
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.
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.
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.
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.
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 eliminate reconciliation debt?
Tell us your industry, ERP, and monthly transaction volume. We will demonstrate how TransactIG maps to your exact reconciliation workflow.