Bank Reconciliation Statement Format (Free Download)
A bank reconciliation statement starts with the balance in the bank statement, adds deposits not yet credited, subtracts cheques not yet presented, adjusts for bank errors and arrives at the balance in the cash book. This free format can be downloaded as a CSV and used in Excel or Google Sheets without any sign-up.
First, take the closing balance from the bank statement and the closing balance from your cash book or bank ledger for the same date. Tick every entry that appears in both. The unticked items are your differences.
Enter timing differences in the first half: deposits in transit and cheques not yet presented. Enter items the bank has done and you have not in the second half: charges, interest and direct credits. After adjusting both sides, the two totals must agree.
What to do when the totals do not agree
A remaining difference usually equals a single entry, twice a single entry or a transposed figure, such as 540 booked as 450. Divide the difference by nine to spot a transposition, and look for an entry of that amount or half the amount.
If the difference persists, reconcile a shorter period, such as one week, and widen it gradually. Keep a log of the unmatched items and clear them each month so the list never becomes long.
The format
Bank Reconciliation Statement Format
Particulars
Amount (Rs.)
Notes
Balance as per bank statement on the date
Add: deposits recorded in books but not yet credited by bank
Less: cheques issued but not yet presented
Add or less: errors made by the bank
Adjusted bank balance
Balance as per cash book
Add: interest and direct credits not yet booked
Less: bank charges and direct debits not yet booked
Add or less: errors in cash book
Adjusted cash book balance (must equal adjusted bank balance)
Reviewed and Signed by a Practising Chartered Accountant
CA Rinky Vishwakarma
Signing Chartered Accountant, SVT & Associates
ICAI No.: 177507Fellow CA – ICAI20 years combined experience1,000+ clients served
Fellow Chartered Accountant (FCA) with over 12 years of experience across Big 4 audit, investment banking and independent practice. Personally reviews each client's books and MIS before sign-off, and signs certificates in her capacity as a practising CA.
Yes. It is ungated and free to copy, edit and use. A signed monthly reconciliation prepared by a CA, with a query list and correcting entries, is available as a paid service, but this template works on its own. No attribution is needed.
How often should I prepare this statement?
At least once a month for every account, on the last day of the month. Businesses with many daily transactions or online collections may reconcile weekly. Preparing it monthly keeps each investigation limited to thirty days of entries. A weekly cut-off suits cash-heavy retail.
What if a cheque remains unpresented for months?
Cheques are valid for three months from the date of issue. After that, the bank usually returns them, so an old unpresented cheque should be reviewed, reissued or reversed in the books. We list cheques older than 90 days every month.
Who prepares and signs the work?
SVT & Associates is an ICAI-registered Chartered Accountancy firm. Every account is supervised and reviewed by CA Rinky Vishwakarma, Fellow Chartered Accountant, ICAI Membership No. 177507. Where a certificate or attest report is issued, it is signed by a practising CA and carries a UDIN.
How quickly can you start?
After a short consultation and receipt of your documents, onboarding usually takes three to five working days, and the first monthly books are delivered within seven days of receiving complete data. If a filing deadline is close, we handle that first and then complete the wider setup.
Is my financial data confidential?
Yes. As a Chartered Accountancy firm we are bound by the ICAI Code of Ethics on professional confidentiality. Your records are accessed only by staff working on your account, are shared through controlled folders or your own software, and are never given to third parties without your written consent or a legal requirement.
Which accounting software do you work in?
We work in your existing software, whether Tally Prime, Tally ERP 9, Zoho Books, QuickBooks or Busy, so you do not need to switch. Your licence and data remain yours at all times, and a full export of your books is available whenever you ask for it.
Are your fees fixed, and are there hidden charges?
Fees are fixed and confirmed in writing after we review one sample month of your data. Our fee and GST are shown on separate lines, and accounting has no government fee. Work outside the agreed scope, such as a backlog clean-up, is priced separately and agreed with you before it begins.
Do you serve clients outside Mumbai?
Yes. Most of our work is delivered online across India, using shared folders, your accounting software, video calls and WhatsApp. Our office is in Goregaon West, Mumbai, where local clients can meet the CA in person, but no visit is needed to start or continue the service.
Can I stop the service if I am not satisfied?
Monthly plans are not locked in, and you can end the service by giving us notice. You will receive your books, reconciliations and working papers in an exportable form. The Refund Policy linked in the footer explains how any advance payment is treated.
Who signs and issues the work. SVT & Associates is a Chartered Accountancy firm registered with the Institute of Chartered Accountants of India. Accounting, MIS and tax work is prepared under the supervision of CA Rinky Vishwakarma (FCA, ICAI Membership No. 177507). Certificates and attest reports, where issued, are signed by a practising CA and carry a UDIN. Our role in online document collection and delivery is administrative; the professional opinion is the CA's. Fees are shown before 18% GST. We do not guarantee any outcome, approval or sanction by a bank, lender or authority.
