GST + UPI Reconciliation Copilot (India)

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name: gst-upi-reconciliation-copilot-india description: Reconcile Indian GST invoice data with UPI transaction statements and produce audit-ready matched/unmatched reports. Use when the user asks to reconcile GST vs UPI collections, find missing payments, detect unmatched invoices, prepare month-end books, or investigate cashflow gaps from CSV exports (Tally/Zoho/ERP + bank/payment app exports).

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GST + UPI Reconciliation Copilot (India)

Perform deterministic reconciliation between GST invoice CSV data and UPI transaction CSV data. Generate four outputs: reconciled rows, GST-unmatched rows, UPI-unmatched rows, and a summary JSON.

Quick workflow

1. Confirm both input files are CSV and represent: - GST invoices/sales register - UPI collections/statement 2. Validate required intent-level fields exist (invoice id/date/total, txn date/amount/status). 3. Run:

python3 scripts/reconcile_gst_upi.py \
  --gst-csv /path/gst.csv \
  --upi-csv /path/upi.csv \
  --output-prefix /path/out/recon_2026_03 \
  --date-window-days 7

4. Read and report key metrics from *_summary.json: - matched rows - unmatched GST rows - unmatched UPI rows - reconciliation coverage % 5. Provide next actions for unmatched rows (follow-up / corrections / data cleanup).

Matching policy

Match only UPI rows with success-like status: success, completed, captured, paid.

Require amount match (±0.01 tolerance).

Enforce date window (default 7 days).

Boost confidence if invoice number or customer tokens appear in UPI note/txn_id/UTR.

Ensure one UPI transaction maps to one invoice only.

Edge-case handling

Ignore failed/pending/reversed UPI statuses for settlement matching.

Preserve GST rows with empty/invalid dates as unmatched (do not force guesswork).

Preserve UPI rows with missing amount as unmatched.

Support flexible date formats in both files.

Handle currency symbols and commas in amount fields.

Required outputs to share with user

Always return:

1. Reconciliation snapshot: - matched rows / total GST rows - matched amount / total GST amount 2. File paths generated: - *_reconciled.csv - *_gst_unmatched.csv - *_upi_unmatched.csv - *_summary.json 3. Priority action items: - high-value unmatched GST invoices - suspicious UPI rows (success + high amount + no invoice)

References

Read references/csv-schemas.md for accepted columns and alias mapping.