Axis Bank is unusual among Indian banks in printing transactions two different ways. One layout gives you Tran Date, Chq No, Particulars, Debit, Credit, Balance and a trailing Init.Br branch column. The other gives you Tran Date, Value Date, Transaction Particulars, Chq No, a single Amount(INR) column, a separate DR/CR flag and then Balance(INR) with a branch name. The second is the dangerous one: the direction of every transaction lives in a two-letter flag in its own column, and a converter that ignores that column produces a file where every debit is positive and nothing reconciles. Both layouts also carry long particulars strings that wrap, and both put a branch column next to the numbers.
- Both Axis layouts are handled — split Debit/Credit columns, and a single Amount column paired with the DR/CR flag.
- The DR/CR flag drives the sign, so debits land in Debit and credits in Credit rather than all in one column.
- The Init.Br or branch name column stays a branch, not a stray amount.
- The printed running balance verifies the output, so a mis-signed or missing row shows up as a DISCREPANCY instead of passing silently.