I think there's some crossed wires, would be helpful for the OP to clarify. He does not seem to be talking about earth leakage at all, but about the supply current. I.e. he has switched off (nearly) all of his appliances and the supply current from the service cable is 0.85A, as measured by putting the clamp meter around either the line or neutral meter tail alone (not both) on the supply side of the meter.
But the current between the meter load side and upfront RCD is 0.97A, measured likewise. So his query is not about earth leakage but the difference in the line conductor current upstream and downstream of the meter, and far from going missing, it appears that more current is coming out of the meter into the RCD than it is drawing from the service head. If I am understanding this question correctly, it cannot relate to earth leakage because the meter cannot create any, not being earthed.
There is a possible explanation. The small load measured is likely a few timeswitches, PIRs etc that are still on when all normal appliances are turned off. These often have capacitive power supply droppers, which have a strong leading power factor. There is also usually some capacitive leakage current from suppressors in other 'live-but-off' appliances and the wiring itself. The clamp ammeter is correctly measuring the total of these at 0.97A. The kWh meter is also drawing current through the supply side tails for its voltage coil, but as R-fur points out, this is inductive with a strongly lagging power factor, so this current is more than 90 degrees out of phase with the house load. Hence, the input current to the meter is lower because it is compensating for the leading power factor of the house load.
If rather than current, the OP measured the power before and after the meter, he would likely find that although the current before is lower, the real power is higher, due to the dissipation in the voltage coil. In any case, measuring the currents without also comparing the phase, when the power factors are extreme, can give odd-looking results.
Also as mentioned above, there is a risk of measurement error with a clamp at low currents, including from stray fields from the magnetic circuit of the kWh meter. A significant part of the difference in readings could be due to measurement error.