They are short codes banks print at the start of a statement line. The common readings: BIL is a bill payment or transfer made through internet banking, ONL an online payment, MMT a mobile money (IMPS) transfer, INF a transfer between your own linked accounts, REV a reversal, and SI a standing instruction.
BIL and BIL ONL
A bill payment, or a transfer to someone else, made through internet banking.
ONL
An online payment.
MMT
Mobile money transfer: an IMPS transfer sent from a phone. Fynora reads MMT as a bank transfer.
INF
Internet fund transfer between accounts linked under your own login, such as your savings account and a deposit.
REV and reversal
Money coming back because a payment failed or was undone on the bank's side, such as a UPI or card payment that did not go through. It is different from a refund, which is a merchant returning money for an order. When a line says reversal, Fynora treats it as a reversal, not a refund.
SI
Standing instruction: a payment you told your bank or card to make on a schedule, such as a monthly transfer or a bill on your debit card.
Mandate, e-mandate and AutoPay
A permission you gave a company to collect from your account, through NACH, UPI AutoPay or an e-mandate. A debit carrying MANDATE, EMANDATE or AUTOPAY was collected under one, and Fynora reads it as an auto-debit.
SMS charges
A fee your bank charges for SMS alerts. Fynora files it under "Fees/Interest" as a bank charge, not spending at a shop.
Check your own bank's legend
Banks print their own abbreviations, so the legend on your statement, or your bank, is the final word on what a code means for your account.
Example lines
Made-up lines in the usual shape. Your bank's wording will differ.
BIL/ONL/100000000001/EXAMPLE ELECTRICITYA bill paid through internet banking.INF/100000000002/OWN DEPOSIT ACCOUNTA transfer between your own linked accounts.REV-UPI/100000000003/EXAMPLE STOREA UPI payment reversed back to you.