Harshil Desai · Evidence-first tools for Indian finance
PaisaTrail

Checked against RBI rules

Find the bank charges you can get reversed.

Minimum-balance penalties, ATM fees, transfer charges, each with GST on top. Some break RBI's rules. PaisaTrail reads your statement, proves which ones, line by line, and drafts the request to your bank.

Check my statement See a sample audit
9 checks
Each linked to the RBI circular behind it
Line-level
Every claim shows the statement entries that prove it
0 bytes
Leave your device. The statement never uploads
  1. 01

    Download a CSV

    Export your savings account statement from net banking. Most Indian banks offer CSV.

  2. 02

    We find and test every charge

    Charges are matched to their GST lines, ATM use is counted per month, and the running balance is read.

  3. 03

    Claim it back

    An evidence trail for each charge, and a letter to your bank with the 30-day route to the RBI Ombudsman.

Audit

Check a statement

Drop your statement CSV or click to choose a file
or

Read in this tab only. The page's security policy blocks every network request, so the file can't be sent anywhere.

Methodology

How a charge becomes a claim

  1. ReadFinds the header row under bank preambles, Indian date formats, debit/credit or amount + Dr/Cr columns, and the running balance.
  2. IdentifyRecognises charges from their narrations (NON MAINTENANCE OF AMB CHGS, ATM CHGS, NEFT CHGS INB…) and pairs each GST line with the charge it was levied on.
  3. TestApplies a specific RBI rule using only what the statement proves. A finding is Proven when the statement alone establishes it, for example a penalty that took the balance below zero. Anything that depends on outside facts, such as whether the bank sent a notice, is marked Confirm.

What PaisaTrail cannot tell you

  • Your bank's own schedule of charges, or whether you agreed to a fee.
  • Whether a transfer was online, or an ATM was your bank's, unless the narration says so.
  • Charges with narrations it doesn't recognise. Check the "Every charge found" table.
  • Legal advice. Findings are requests to make to your bank.

Sources

Every rule, linked to RBI