Using Pennyweight in India

Pennyweight links banks in the US only, so Indian accounts use statement import. You add each account by hand in rupees (INR), and your AI reads your bank statements into it. New to this? Start with use Pennyweight without a bank link.

What Indian banks give you

Statements are what you work from, and some banks lock them with a password. Examples from the banks' own help pages:

• HDFC Bank. NetBanking's Get Statement lets you pick a set period or your own date range. The download is a password-protected file that opens with your numeric Customer ID.
• ICICI Bank. Net Banking shows detailed savings account statements for up to the last 4 years. Credit card statements download as PDF or Excel.
• Axis Bank. Personal e-statements come monthly to your registered email and are password protected. Internet Banking offers credit card statements as PDF, XLS or CSV.
• SBI. Its e-statement is a monthly or quarterly record of your transactions, sent to your email.

Pennyweight has no reader for PDFs or spreadsheets. Your AI opens the file in your chat and sends the transactions to Pennyweight as rows. For the general steps, see import a PDF or screenshot statement.

Password-protected statements

The password matters only to your AI app, which opens the file. Pennyweight receives the rows your AI reads from it. If your AI can't open it, open the statement yourself with its password, save a copy without one, and share that copy.

How to do it

1. Ask your AI to add a savings account with INR as its currency. Give the balance at the start of your first statement as its opening balance. A new manual account needs one before its first import saves.
2. Share the statement with your AI and name the account.
3. Check the preview: the number of rows, and the account's balance after the import. That balance should equal the statement's closing balance. See balance looks wrong after an import.
4. Say yes. Your AI saves the rows and reports how many went in.

What you'll see

For the first prompt, your AI adds Rupee Savings in INR, reads the statement and shows a preview with the count of new rows and the account's balance after the import. For this statement, that balance matches the closing balance printed on it. Once you confirm, your AI tells you how many rows it saved to Rupee Savings.

If your AI can't open a protected file, share an unprotected copy.

Good to know

• Rupees stay rupees. Rows without their own currency take the account's currency. Each amount is stored in its own currency and is never converted. Totals that combine your ledgers, such as your net worth, keep the figures per currency and add one figure in your display currency. See choose the currency for totals across ledgers and accounts and totals in more than one currency.
• CSV downloads. Pennyweight can also read a CSV file directly. It converts dates written YYYY-MM-DD, MM/DD/YYYY, DD/MM/YYYY, DD.MM.YYYY or YYYYMMDD once your AI names which order the file uses. It never guesses the order, and a date in any other form blocks the whole file. For those, let your AI read the file. See import a CSV export.
• Opening balance later. If you skipped it, see set or correct an opening balance.
• Checking each month. To compare an account with a statement's closing balance, see reconcile against a statement.