SMART STATEMENT
PAYMENT REPORT
GST FILING REPORT
SETTLEMENT REPORT
✦ Neo AI · GST
GSTR-3B due in 4 days for OPEN FINANCIAL
Liability ₹4,21,580 prepared. ₹38,200 ITC at risk from 14 mismatches in 2A vs 2B.
Review & file →
✦ Neo AI · Inflows
Swiggy variance ₹1.42L lower than forecast
Driven by ₹1.1L ad spend deductions + ₹0.32L unresolved refunds across 8 outlets.
See breakdown →
✦ Neo AI · Credit
Q4 GST filings unlock ₹2.4 Cr OD top-up
Live re-rating shows GST health 94/100 + settlement velocity ↑22%. Pre-approved.
View offer →
Accounts
Total Accounts: 1
DOMESTIC
FOREIGN
ⓘ The available balance includes uncleared funds that are subject to clearing.
Open Financial...
924020073178546
Overall Available Balance
₹ 79,88,081.20
Ledger: ₹79,88,081.20
Lien: ₹0.00
Open Financial Operations...
924020073178612
Overall Available Balance
₹ 1,24,52,318.00
Ledger: ₹1,24,52,318.00
Lien: ₹0.00
Pending Approvals
12
Vendor
₹38.4L
04
Salary
₹14.2L
02
Statutory
₹4.21L
06
Beneficiary
—
03
GSTIN Master ✦
2 risky
✦ AR & AP snapshot
Auto-classified · Apex AI
AR · Total
₹ 25.71 Cr
₹14.7 Cr overdue
AR · DSO
95 days
↑ vs target
AP · Total
₹ 7.88 Cr
183 invoices
AP · DPO
24.2 d
faster than market
Open AR & AP →
Upcoming Activities
LIST
CALENDAR
Today
Next 7 Days
Next 30 Days
MAY
04
GSTR-3B filing
Open Financial · ₹4.21L
MAY
07
TDS Q4 Return
Form 26Q · ₹2.84L
MAY
10
Vendor payment run
Scheduled · ₹18.6L
✦ Onboarding+
Add a new entity in 60 seconds.
Connect GST + Shopify + AA → walk away with day-1 limits.
GST Compliance
✦ Powered by Optotax
End-to-end GST: filings, recon, notice management, and one-tap challan payments — directly from your Axis account.
GSTINs Managed
5
across 4 states
Filings due · 30 days
8
2 overdue
Liability prepared
₹ 12.84 L
across all GSTINs
ITC at risk
₹ 38,200
14 mismatches
✦ Neo AI · Filing readiness
Your GSTR-3B for OPEN FINANCIAL (29AAACO1234A1Z5) is ready to file. Liability of ₹4,21,580 can be paid from Axis A/C ending 8546. 14 ITC mismatches worth ₹38,200 need review before filing — most are vendor 2B-not-yet-uploaded items. Shall I draft chase emails to vendors?
Upcoming filings · all GSTINs
| GSTIN | Period | Return | Status | Liability | Due Date | Action |
|---|---|---|---|---|---|---|
| 29AAACO1234A1Z5 Karnataka · HO |
Apr 2026 | GSTR-3B | Ready · 14 mismatches | ₹4,21,580 | 04 May 2026 | |
| 27AAACO1234A1Z2 Maharashtra |
Apr 2026 | GSTR-3B | Ready | ₹2,84,200 | 04 May 2026 | |
| 33AAACO1234A1Z9 Tamil Nadu |
Apr 2026 | GSTR-1 | In progress · 86% | — | 11 May 2026 | |
| 07AAACO1234A1Z8 Delhi |
Mar 2026 | GSTR-3B | Overdue · 6 days | ₹1,18,420 | 20 Apr 2026 | |
| 36AAACO1234A1Z3 Telangana |
FY 25-26 | GSTR-9 | Not started | — | 31 Dec 2026 |
Credit Connect
✦ Always-on Re-rating
Two plays · pre-approve credit for the right businesses, and right-size limits for the ones already on your book.
PLAY A · NEW CREDIT LINES
Pre-approve credit for the right businesses
Surfaced inside Net Banking the moment the customer becomes credit-worthy.
1
GST-backed working capital
Limit sized off filed turnover — not declared.
2
Invoice discounting
Funded against verified e-invoices / IRN — same day.
3
Term loans for SMEs
Tenor / rate from compliance score — better filers get better terms.
4
Vendor / supply-chain finance
HSN-driven sector cohorts — risk priced by category.
PLAY B · EXISTING BOOK
Right-size limits for who you already lend to
Continuous re-rating of your SME loan book — limits, pricing, renewals all data-driven.
1
Limit enhancement
Auto-uplift as turnover grows — no annual review needed.
2
Dynamic risk pricing
Reward improving compliance with better rates automatically.
3
Pre-emptive renewal
Trigger renewals before expiry — data already available.
4
Early-warning downgrade
Catch stress signals before NPA — act before it's too late.
Pre-approved · Effective immediately
₹ 2.40 Cr
Working capital top-up · 12.4% p.a.
Re-rating cycle
Monthly · auto
Last refreshed 28 Apr 2026
Current limit
₹ 4.00 Cr
Utilization
62%
Proposed
₹ 6.40 Cr
Headroom unlock
+ ₹ 2.40 Cr
Live health signals
Refreshed 4 hours ago
GST filing health
9494 / 100
5/5 GSTINs current · 12mo on-time rate 96%
Revenue velocity
+22%↑ 22%
Settlement inflows YoY · marketplaces & PG
Bank float health
Stable₹ 1.84 Cr
90-day avg balance · no DPD events
Vendor concentration
Watch38%
Top vendor share · slight up vs. last quarter
Pre-approved offers
Invoice Discounting
₹ 80 L · same day
Against verified Amazon & Flipkart invoices
Discount rate: 9.8% p.a.
OD Top-up
₹ 2.40 Cr
12.4% p.a. · 1-year revolving
Auto-extension if signals stay green
Forex Limit
USD 250K
Hedging cap based on FX inflow history
Activate with one tap
✦ Why your limit went up
+ ₹2.40 Cr unlock driven by:
- GST revenue grew 22% QoQ across 5 GSTINs
- 0 DPD events in last 12 months
- Settlement velocity from marketplaces ↑ 18%
- ITC claim quality > 95% (low reversal risk)
Re-rating history
Apr 2026↑ +₹2.40 Cr
Mar 2026No change
Feb 2026↑ +₹50 L
Jan 2026No change
Dec 2025↑ +₹1.10 Cr
Early warning
Vendor concentration rising
Top vendor 38% (vs 31% last quarter). If > 45%, OD pricing may step up by 80 bps.
AR & AP
✦ Apex AI
Receivables · payables · invoices · procure-to-pay · vendors — auto-classified, OCR-extracted, and 3-way matched.
Total receivables
₹ 25.71 Cr
142 invoices · DSO 95 days
Overdue receivables
₹ 14.70 Cr
38 invoices · oldest 124 days
Total payables
₹ 7.88 Cr
183 invoices · DPO 24.2 days
Due this week
₹ 92.4 L
12 invoices · ₹38.4L tomorrow
✦
Neo AI · Working capital intelligence
DSO 95 days vs industry 60 days — ₹14.70 Cr is overdue, of which ₹6.2 Cr is from your top-3 customers (Walmart-India, BigBasket, ITC). Auto-reminders + invoice discounting can free up ~₹4.8 Cr in 7 days. DPO 24.2 days vs industry 40 days — paying suppliers faster than market; consider stretching to free working capital.
Aging · receivables (AR)
Current 43%
31-60d 32%
61-90d 16%
>90d 9%
DSO trend · last 6 months
⚠ DSO trending up — 3 months consecutively. AI suggests deeper aging review.
Cash flow forecast · next 30 days
Inflow projected: ₹ 3.42 Cr
Outflow: ₹ 2.18 Cr
Net: + ₹ 1.24 Cr
Spend by department · this month
Finance
28%
₹ 2.21 Cr
IT
22%
₹ 1.73 Cr
Eng
19%
₹ 1.50 Cr
Sales
17%
₹ 1.34 Cr
Marketing
14%
₹ 1.10 Cr
Period close readiness · Apr 2026
Day 5 of close · 12% readiness
PR-PO matching
85%
28 of 33 matched
3-way recon
100%
All matched ones reconciled
GR pending
5
₹ 42.8 L value
Pending approvals
41
₹ 6.94 Cr value
Smart Statement
✦ AI
Your statement, but tagged by source, queryable, reconciled — and combined across all your bank accounts.
Neo AI · Statement summary
Updated just now · based on 84 transactions
You netted ₹91,670 in May (5 days in). Zomato is your top source — ₹84,200, up 12% MoM — followed by direct UPI (₹14,820) and Pine Labs POS (₹8,950). Biggest outflow: Kamal Textiles (₹38,400) against invoice INV-2261. 64% of inflows came from Zomato — concentration worth watching.
GST due 20 May · ~₹42,180
TDS overdue · ₹3,200
Drawings to personal · ₹25,000
2 transactions need reconciling
Sweep FD interest · +₹1,184
Expected this week
₹ 84.20 L
▲ 12% vs last week
Received in Axis
₹ 71.80 L
85.3% landed
Variance
₹ 12.40 L
▼ Higher than usual
Unsettled / In transit
₹ 8.92 L
Across 142 txns
✦
Neo AI · Variance explanation
Your gross sales of ₹84.20 L resulted in ₹71.80 L bank credits — a gap of ₹12.40 L. Of this, ₹8.20 L is expected commission & deductions; ₹3.18 L is delayed settlement from Swiggy (T+2 vs usual T+1); and ₹1.02 L is unexplained — likely 6 missing refund credits from Zomato.
Where the money went · this week
Bank credit
Commission
Ad spend
GST & TCS
Unsettled
Unexplained · investigate
Settlement-by-settlement view
Marketplace + PG + POS settlements · gross → deductions → expected → bank credit → match
| Source | Settlement Date | Gross Sales | Deductions | Expected | Bank Credit | Match | Action |
|---|---|---|---|---|---|---|---|
| Swiggy 8 outlets |
28 Apr 2026 | ₹14,82,400 | ₹2,18,640 | ₹12,63,760 | ₹12,63,760 | Matched | View → |
| Zomato 8 outlets |
28 Apr 2026 | ₹11,28,300 | ₹1,84,200 | ₹9,44,100 | ₹8,42,080 | ₹1.02L gap | |
| Amazon FBA |
27 Apr 2026 | ₹22,14,580 | ₹4,82,140 | ₹17,32,440 | ₹17,32,440 | Matched | View → |
| Razorpay D2C site |
28 Apr 2026 | ₹8,42,100 | ₹16,842 | ₹8,25,258 | ₹8,25,258 | Matched | View → |
| Pine Labs POS 42 terminals |
28 Apr 2026 | ₹18,24,000 | ₹14,592 | ₹18,09,408 | ₹14,91,328 | T+1 pending | View → |
| Axis QR in-store |
28 Apr 2026 | ₹4,18,420 | ₹0 | ₹4,18,420 | ₹4,18,420 | Matched | View → |
| Flipkart marketplace |
26 Apr 2026 | ₹5,12,400 | ₹98,420 | ₹4,13,980 | ₹4,13,980 | Matched | View → |
Bank account
All accounts · 5 banks · ₹12.7L
AAxis CA ₹8.4L
AAxis SA ₹1.2L
HHDFC SA ₹2.8L
IICICI SA ₹14K
SSBI ₹8K
+ Link account
All sources · 84
ZZomato · 4
SSwiggy · 3
PPine Labs POS · 5
AAmazon · 2
UUPI / QR · 38
NNEFT / RTGS · 12
PPayroll · 4
DDrawings · 2
+ Connect a source
Statement
All inflows auto-tagged · 1 source connected (Amazon) · connect Swiggy to unlock recon
| Date | Description | Source | Reconciliation | Amount (₹) |
|---|---|---|---|---|
| 05 May |
Zomato · weekly settlement
NEFT/CITIN20260505/SETLZOM47 · auto-detected from settlement narration
|
ZZomato |
✦ Auto-tagged
Connect for order detail ›
|
+ 84,200.00 |
| 04 May |
▶
Swiggy · weekly settlement
NEFT/HDFC20260504/SWG441 · auto-detected · 4th settlement this month
|
SSwiggy |
✦ Auto-tagged
Connect to reconcile →
|
+ 12,400.00 |
|
Why connect Swiggy Partner?
You've received ₹48,200 across 4 settlements from Swiggy this month. We can tag them automatically — but to match orders, track commission, and catch refund variances, you'll need to connect.
✓ Match each settlement to underlying orders
✓ See commission, GST, and ad spend deductions
✓ Get flagged when refunds reduce your settlement
✓ Auto-categorise inflows for GST & ITR filing
Takes 2 min · You'll need your Swiggy Partner login. Read-only access.
What we can show today
Bank credit₹ 12,400.00
Source (auto-detected)Swiggy
Settlement window~ 1–7 May
Order count— locked
Commission & deductions— locked
Order-level matches— locked
🔒 Connect Swiggy to unlock the locked rows above.
|
||||
| 04 May |
Pine Labs POS · settlement T+1
12 card transactions · MID 4421** · Axis acquiring
|
PPine Labs | ✓ 12/12 matched | + 18,250.00 |
| 05 May |
UPI · ANJALI MEHTA
UPI/516923/Boutique order · anjalimehta@oksbi
|
UUPI / QR | — direct credit | + 4,200.00 |
| 03 May |
▶
Amazon Seller payout
NEFT/ICIC20260503/AMZSP82 · settlement period 27 Apr – 03 May
|
AAmazon | ⚠ 38/40 · 2 in flight | + 22,840.00 |
|
Settlement breakdown
Gross sales (38 cleared orders)₹ 24,880.00
Amazon commission (5%)− ₹ 1,240.00
FBA & storage fees− ₹ 600.00
GST & TCS− ₹ 240.00
Refund reversal credit+ ₹ 40.00
Net credited₹ 22,840.00
✓ Matches bank credit₹ 22,840.00
2 orders in flight · ₹2,040 gross
Action needed
#AMZ-441 · returned, refund pending
₹ 1,200
Customer return raised 02 May · refund expected by 09 May
#AMZ-447 · chargeback in dispute
₹ 840
Item not received · response due 11 May
📄 Linked via uploaded settlement file
Re-upload
amazon-settlement-2026-05-03.csv · 03 May 14:22 |
||||
| 04 May |
NEFT · KAMAL TEXTILES PVT LTD
Vendor invoice INV-2261 · GSTIN 27AAACK1234L1ZX
|
NNEFT | — matched to invoice | − 38,400.00 |
| 04 May |
Salary · MEENA (Tailor)
Recurring · 4th of every month
|
PPayroll | — recurring | − 18,000.00 |
| 03 May |
Owner's drawings → Personal SA ****7821
Self transfer · tagged as drawings (not P&L)
|
DDrawings | — self transfer | − 25,000.00 |
| 02 May |
AXISSweep-in FD interest credit
Auto-credit · FD ****0021 · Axis CA ****8546
|
FInterest | — auto | + 1,184.00 |
| 03 May |
HDFCQuarterly savings interest
HDFC SA ****4421 · auto-credit · Q4 FY 2025-26
|
FInterest | — external bank | + 1,840.00 |
| 02 May |
HDFCMutual Fund SIP · Axis Bluechip
HDFC SA ****4421 · folio 5821 · monthly auto-debit
|
MInvestment | — external bank | − 5,000.00 |
| 04 May |
ICICIAmex credit card · auto-debit
ICICI SA ****9912 · Card ****1004 · billing cycle Apr
|
NCard payment | — external bank | − 18,200.00 |
| 28 Apr |
HDFCNEFT inward · settlement credit
HDFC SA ****4421 · NEFT/CITIN20260428/SETLZOM43
✦ Looks like a Zomato weekly settlement (~43 orders). Move your Zomato payouts to Axis CA to auto-tag, reconcile, and ask Neo AI about it.
|
?Untagged | — external bank | + 78,200.00 |
| 26 Apr |
HDFCNEFT inward · settlement credit
HDFC SA ****4421 · NEFT/HDFC20260426/SWG438
✦ Looks like a Swiggy weekly settlement. Move your Swiggy payouts to Axis CA to unlock the full Smart Statement.
|
?Untagged | — external bank | + 14,820.00 |
Smart Ledger
✦ AI
Your books, auto-prepared from Axis transactions, POS, marketplaces, and bills — ready to share with your CA.
Neo AI · Books summary
Auto-prepared and continuously updated · last run just now
Your books are 87% complete for May 2026. Revenue ₹1,84,210 · Expenses ₹92,540 · Net profit ₹91,670 (margin 49.8%). 84 of 91 transactions auto-classified to chart-of-accounts heads. Gaps to close: 3 sales bills missing (~₹14,200 of revenue not yet entered), 2 vendor invoices waiting for purchase-side recon, and cash entries not yet tracked. Connecting Zomato/Swiggy or logging cash transactions will push completeness to 95%+.
3 sales bills · upload
Cash entries · start logging
2 to review
P&L ready · ₹91,670
Trial balance · in balance
Profit & Loss
₹ 91,670
Net profit · May 2026 · margin 49.8%
View statement →
Balance Sheet
₹ 14.2 L
Owner's capital · as of 5 May 2026
View statement →
Trial Balance
✓ In balance
Debits ₹2.76 L = Credits ₹2.76 L
View statement →
Source completeness
Where your books data is coming from · 87% complete
87%
1
Bank transactions
Always-on baseline · auto-classified
A
Axis CA · ****8546
✓ Auto
H
HDFC SA · ****4421
✓ Auto
I
ICICI SA · ****9912
✓ Auto
2
POS & marketplace enrichment
2 connected · 3 available to enrich
P
Pine Labs POS
✓ Connected
A
Amazon Seller
✓ Connected
Z
Zomato
✦ Auto-tagged
Connect →
S
Swiggy
✦ Auto-tagged
Connect →
P
Petpooja (POS billing)
— not connected
Connect →
+
Connect another platform
3
Manual entries · close the last gaps
Sales bills · purchase bills · cash entries
V
Vyapar invoices · synced
✓ Imported
T
Tally purchase bills · synced
✓ Imported
!
3 sales bills missing for May 2026
₹
Cash payments & receipts · not tracked yet
Profit & Loss · May 2026 (preview)
Auto-generated from your ledger · sole proprietor format
Revenue (Sales of food & products)₹ 1,84,210
From Zomato ₹84,200 · Swiggy ₹12,400 · Pine Labs ₹18,250 · UPI ₹14,820 · Amazon ₹22,840 · Other ₹31,700
Cost of goods sold− ₹ 38,400
Inventory · Kamal Textiles INV-2261
Gross profit₹ 1,45,810
Salaries− ₹ 18,000
GST & statutory− ₹ 9,140
Bank charges & fees− ₹ 2,000
Other operating expenses− ₹ 25,000
Net profit before tax₹ 91,670
Owner's drawings (₹25,000) excluded · sole prop drawings are not a business expense.
Ledger entries · May 2026
Auto-classified from your sources · click any row to edit classification
| Date | Description | Category (CoA) | Source | Amount (₹) |
|---|---|---|---|---|
| 05 May |
Zomato weekly settlement (47 orders)
Auto-classified · 5% GST category · revenue head
|
Revenue · 5% | ZBank | + 84,200.00 |
| 04 May |
Pine Labs POS settlement
12 card transactions · item-enriched · 18% GST
|
Revenue · 18% | PBank+POS | + 18,250.00 |
| 04 May |
Kamal Textiles · INV-2261
Vendor invoice · inventory purchase · ITC ₹5,856
|
COGS | NBank | − 38,400.00 |
| 04 May |
Salary · Meena (Tailor)
Recurring · 4th of every month
|
Payroll | PBank | − 18,000.00 |
| 03 May |
Amazon Seller payout · 38 orders
Reconciled via uploaded settlement file · 2 in flight
|
Revenue · 18% | ABank+File | + 22,840.00 |
| 03 May |
Owner's drawings → Personal SA
Not a business expense · contra to Owner's Capital
|
Drawings | DBank | − 25,000.00 |
| 02 May |
Cash payment · tea vendor (manual)
Logged manually · no bank record · petty cash head
|
Opex | ₹ Cash | − 240.00 |
| 02 May |
Cash sale · walk-in customer (manual)
Logged manually · no bank record · revenue head
|
Revenue · 18% | ₹ Cash | + 1,800.00 |
| 02 May |
Sweep-in FD interest credit
Auto-credit · Other Income head
|
Other income | FBank | + 1,184.00 |
Pending Approvals
Existing module · unchanged in this prototype.
Existing Payments module — not modified in this concept.
Deposits
Existing module · unchanged.
Reports
Existing module · unchanged.
Service
Existing module · unchanged.
FX & Markets
Existing module · unchanged.
Cards
Existing module · unchanged.
Mutual Funds
Existing module · unchanged.