A current account at HDFC, an overdraft at SBI, a card at ICICI. Each converts fine on its own, and none of them answers what you actually had on the 14th. Upload them together and get one chronological ledger with an account column, plus the consolidated position on every date.
Each account keeps its own proof
We do not print a single running balance across accounts. Interleaving three accounts gives a column that looks authoritative and reconciles to nothing. Every account keeps its own verified chain; the consolidated figure is derived from those, and tells you which accounts it excludes.
Each account keeps its own balance chain and its own verification. We deliberately do not produce a single running balance across accounts — interleaving three accounts gives a column that looks authoritative and reconciles to nothing.
How is the consolidated position calculated?
On any date it is the sum of each account’s most recent known balance on or before that date. An account with no data yet is listed as missing rather than counted as zero, because counting it as zero would understate the position and read as though the money had gone.
What if one statement has no running balance column?
Its transactions still merge into the ledger, but it cannot contribute to the consolidated position, and the output says so explicitly rather than quietly leaving it out.
Can I merge statements from different banks?
Yes — that is the point. Each bank’s layout is normalised into the same shape first, so an HDFC current account, an SBI overdraft and an ICICI card end up in one ledger with an account column.