Seven classes for every unmatched reconciliation variance — classify and chase, never write off by guesswork.
01 · FEE_DEDUCTION
Fee & commission leakage
MDR overcharges, commission rate errors, and double-deducted platform fees inside aggregated settlements.
02 · TAX_DEDUCTION
Tax-deduction leakage
TDS deducted by your customers that never converts into a claimed credit — Form 26AS mismatches, wrong-PAN filings, deductions that age past the correction window.
03 · DISCOUNT_APPLIED
Discount leakage
Unapproved, duplicate, or out-of-policy discounts absorbed silently at settlement.
04 · ROUNDING
Rounding & truncation leakage
Sub-₹10 rounding and paise truncation per transaction — irrelevant on one invoice, a real line item across hundreds of thousands of settlement rows a month.
05 · PARTIAL_PAYMENT
Short-settlement leakage
Partial payments closed as if they were full payments — the unpaid balance stops being chased the day the invoice is marked settled.
06 · PENALTY_OR_INTEREST
Penalty & interest leakage
Avoidable statutory cost: interest on late TDS deposit, interest on ITC claimed without GSTR-2B support, NACH bounce charges that nobody reconciles against recovery.
07 · UNEXPLAINED
Unexplained variance
The most dangerous class — differences closed by guesswork at month-end so the books can move on. Every unexplained write-off is leakage that has been formally forgiven.