Cash-flow report
Sri Lakshmi Traders
Summary
- Avg monthly credits
- ₹8.4 L
- Avg monthly debits
- ₹7.3 L
- Avg daily balance
- ₹1.12 L
- Low-balance days
- 4 < ₹10k
- EMI obligations
- ₹62,000/mo
- Business receipts
- 88%of credits
- Cash deposits
- 9%of credits
- Bounces
- 1 NACH, Jul
Monthly cash flow
| Month | Credits ₹L | Debits ₹L | Net ₹L | Avg balance ₹L | Month-end ₹L | EMI returns |
|---|---|---|---|---|---|---|
| Apr 2026 | 7.2 | 6.3 | 0.9 | 0.98 | 1.21 | 0 |
| May 2026 | 8.2 | 7.1 | 1.1 | 1.04 | 1.35 | 0 |
| Jun 2026 | 6.3 | 6.7 | −0.4 | 0.86 | 0.62 | 0 |
| Jul 2026 | 9.5 | 7.7 | 1.8 | 1.09 | 1.48 | 1 |
| Aug 2026 | 8.8 | 7.8 | 1.0 | 1.27 | 1.39 | 0 |
| Sep 2026 | 10.4 | 8.3 | 2.1 | 1.46 | 1.72 | 0 |
| 6 months | 50.4 | 43.9 | 6.5 | 1.12 | 1 |
Where money comes from
Top payers
- Shree Ganesh Agro · 11 payments ₹9.8 L
- Balaji Kirana Stores · 24 payments ₹6.1 L
- Venkata Rao & Sons · 6 payments ₹4.7 L
- UPI collections · 186 payments ₹12.3 L
Where money goes
Recurring obligations
| Obligation | Mode | Amount | Day |
|---|---|---|---|
| Business loan EMI | NACH | ₹38,500 | 5th |
| Vehicle loan EMI | NACH | ₹23,500 | 5th |
| Shop rent | NEFT | ₹18,000 | 1st |
Bounces and returns
| Date | Type | Amount | Charge |
|---|---|---|---|
| 05 Jul 2026 | NACH return | ₹23,500 | ₹590 |
Re-presented and paid on 09 Jul 2026.
Flags for review
- 2 cash deposits within 3 days of an EMI date (₹45,000 on 06 Jul, ₹38,000 on 03 Aug)
- June debits exceeded credits by ₹0.4 L
- No transfers to betting or gambling merchants
- No circular transfers between the applicant's accounts
- No salary credits to proprietor from the business account
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