Medhantam Autonomous BI
Executive Audit
Financial Pulse, Working Capital & Operational Health Report
Entity: Apex Industrial & Trading • GSTIN: 27AABCA1234F1Z9 • Registered Office: Andheri East, Mumbai
Audit Date: 17 September 2026, 10:25 AM IST
Reporting Cycle: FY 2026-27 (September MTD)
Neutral Fabric: TallyPrime 4.0 + Zoho Books Cloud + Razorpay + Shiprocket
CONFIDENTIAL — STRICTLY FOR BOARD & EXECUTIVE USE
Gross Sales (MTD)
📈 +16.4%
₹38,42,850
284 Invoices (Avg ₹13.5k)
Zoho + Tally
76% of ₹50L Target (16 days left)
Net Cash Position
🏦 48 Days Buffer
₹11,48,200
HDFC + ICICI + Razorpay
Auto-synced
Upcoming Payables (7d):
₹4,20,000
Receivables (DSO: 41d)
⚠️ 28% Overdue
₹14,92,600
₹4,18,000 > 45 Days
22 Debtors
Current: 52%
High Risk: 20%
Inventory Turnover
⚡ 5.8x Annualized
₹24,15,000
184 Active SKUs
Dead Capital: ₹2.42L
Avg Holding: 63 Days
GMROI: 184%
📊 Revenue Velocity & Inflow Trend
Daily realized sales vs 7-day rolling moving average
💰 30-Day Cashflow Runway
PredictiveProjected bank balance after vendor disbursements, salaries & collections.
Safe Minimum Floor:
₹5,00,000
✅ Cash buffer stays comfortably above floor through 30 days.
Working Capital Engine
📦 Inventory Turnover & Stock Velocity Intelligence
Real-time Stock Turn Ratio (ITR), Days Sales of Inventory (DSI) & FSN Capital Classification
Category Inventory Turnover vs Industry Benchmark (Target: 6.0x)
Benchmark: 6.0x
High Velocity (> 6x)
Moderate Turn (4x - 6x)
Slow / Dead (< 3x)
Annualized based on 90-day trailing COGS
Executive Diagnostics
Health: Strong
Weighted Average Turnover (ITR)
5.84x
+0.6x vs Last Quarter
COGS ₹1.41 Cr / Avg Inventory ₹24.15L
Average Days to Sell (DSI)
62.5 Days
8 Days Faster MoM
Target: < 60 Days for Electrical Hardware
Non-Moving Capital Locked (>90d)
₹2,42,000
10.0% of Stock
12 SKUs (Obsolete Motors & Brass Parts)
Broadcasts 15% discount on dead SKUs to 48 verified Tier-2 dealers
SKU Velocity & Action Matrix
Filter SKUs by movement classification to inspect carrying cost and automate actions
| SKU & Category | Stock Value | Annual ITR | Days on Hand (DSI) | Velocity Status | Recommended Action |
|---|
⏳ Debtor Aging Waterfall
Total Outstanding: ₹14.92 Lakhs across 22 parties
0 - 30 Days
₹7.75L
Normal
31 - 60 Days
₹2.99L
Nudge Sent
61 - 90 Days
₹2.45L
Follow-up
> 90 Days
₹1.73L
Critical
| Customer / Firm | Amount | Overdue | Risk Level | Action |
|---|---|---|---|---|
|
Sharma Enterprises (Pune)
GSTIN: 27AABCS9821Q1Z4
|
₹1,85,000 | 54 Days | High Risk | |
|
Apex Electricals (Nashik)
GSTIN: 27AAACN4412K1Z9
|
₹1,12,500 | 38 Days | Moderate | |
|
Kalyani Supermarket (Thane)
GSTIN: 27AABCK9901M1Z2
|
₹78,400 | 62 Days | High Risk |
📦 Stockout Risk & Reorder Predictor
Velocity-adjusted reorder levels from POS & ERP
Industrial Cable 2.5mm (Coil)
SKU: CBL-25M • Daily Burn: 8 coils/day
12 Coils Left (1.5 Days)
Reorder Level: 50 coils
Copper Lugs 35 sq mm (Pack 100)
SKU: LUG-35MM • Daily Burn: 4 packs/day
6 Packs Left (1.5 Days)
Reorder Level: 25 packs
Circuit Breaker MCB 32A Triple Pole
SKU: MCB-32A-3P • Daily Burn: 2 units/day
7 Units Left (3.5 Days)
Reorder Level: 20 units
Dead Stock / Capital Tied: ₹2,42,000
Retail & D2C Focus
🛍️ E-Commerce, COD & Logistics Pulse
Integrated feeds from Shopify India, Shiprocket, and Razorpay
Shopify: Synced
Shiprocket: Active
Prepaid vs COD Mix
64% Prepaid
₹27.14L / ₹15.28L
Prepaid (UPI): 64%
COD (Shiprocket): 36%
RTO (Return to Origin)
📉 -2.8% MoM
8.4% (vs 14.8% Ind. Avg)
✨ WhatsApp verification prevented 46 bogus COD returns this month (~₹1.12L freight saved).
Razorpay Payout Pipeline
T+1 Auto-Clear
₹3,84,200
Settling Tomorrow (9:00 AM)
Verified
360° Tool Fabric
Ports 9004–9009 Active
Unified Multi-Connector Operational Fabric
Live deterministic feeds across Banking AA, Statutory GSTN, Shiprocket NDR, Amazon SP-API, Marg/Busy & Operations
AA :9004
GSTN :9005
NDR :9006
Shopify :9007
ERP :9008
Ops :9009
HDFC Bank Current
****4891
₹18,45,200
Primary Operating A/C
Synced 15m ago
ICICI Cash Credit (OD)
****1029
₹4,30,500
Facility: ₹25,00,000
Active
State Bank of India
****7742
₹1,95,000
Statutory Tax Reserve
Synced 1h ago
🚨
2 Deposits Pending
Unrecorded Bank Inflows Detected
Money has credited your bank via NEFT/UPI but does not have corresponding receipt vouchers booked in Tally/Zoho:
Apex Electricals Pvt Ltd
UTR: HDFCN0091823719 • HDFC Bank Current
₹1,85,000
Shopify D2C Razorpay Settlement
UTR: 426182901912 • ICICI Bank
₹1,12,500
⚡
7 Days Left
MSME 1-Tap WhatsApp Payout Card
Shree Balaji Packaging
UDYAM-MH-03-0019283 • Inv: INV-2024-09-001
₹1,45,000
Sec 43B(h) Priority 1
Must clear by 24-Sep-2026 to prevent 31.2% tax penalty disallowance under Income Tax Act.
Output Tax Liability (GSTR-1)
₹5,11,200
84 Outward Invoices
Eligible ITC (2B Auto-Draft)
₹1,68,000
3 Vendors Filed
Blocked ITC (Non-Filing Vendors)
₹55,200
Under CGST Sec 16(2)(aa)
Net Cash Due on 20th
₹3,43,200
Challan PMT-06 Required
Defaulting Suppliers Blocking Your Tax Credit (GSTR-2B Mismatch)
CGST Rule 36(4) Strict EnforcementSpeedy Corrugated Boxes Delhi (GSTIN: 07AAACS9912L1Z9)
Invoice: SCB-9102 • Taxable: ₹2,40,000 • Inward Tax: ₹43,200
Invoice NOT found in GSTR-2B. Supplier failed to file GSTR-1.
Chavan Paper Corrugators (GSTIN: 27AABCC3311E1Z0)
Invoice: CPC-501 • Claimed in ERP: ₹27,000 vs 2B Auto-Draft: ₹15,000
Discrepancy: ₹12,000 ITC held back until supplier files amendment.
Active Shiprocket / Delhivery NDR Queue
₹4,340 COD at RiskRahul Verma • Lucknow
AWB: DEL_9918230192 • Delhivery Surface • COD: ₹1,850
Attempt 1: Phone uncontactable
Amit Saxena • Jaipur
AWB: EK_3341829011 • Ekart • COD: ₹2,490
Attempt 2: Incorrect landmark
Amazon SP-API Net Settlement Realization
54.05% RealizationGross Sales
₹12,45,000
Total Deductions
₹5,72,000
Net Realized Cash
₹6,73,000
Bleeding ASIN: B09X11091A (Air Filter Pack)
Unit Net: -₹51/unit • Ad Spend (ACOS 34.7%) exceeding gross margin
Marg ERP Pharma Expiry Watchdog
₹1,06,225 at RiskAugmentin 625mg Duo (GSK)
Batch: AUG-2024-81 • Exp: 31-Oct-2026 (44 days left)
14 days left before manufacturer credit return cutoff closes
₹75,825
Azithral 500mg Tablets (Alembic)
Batch: AZI-9921-X • Exp: 15-Nov-2026 (59 days left)
₹30,400
29d to cutoff
Operations: Kitchen Leakage & Payroll
Petpooja + PagarBookKitchen Shrinkage: Mozzarella Cheese
Billed: 42.5 kg vs Stock Depleted: 64.0 kg • 21.5 kg leakage
Unaccounted Capital Bleed: ₹9,460
Oct 1st Wages Due: ₹12,37,595
48 Staff • Overtime Surge: +175 hrs in Factory (+₹21,875 bleed)
MCP stdio v1.0.0
📧 Medhantam Email MCP Server Inspector
Autonomous programmatic domain email hosting, sandbox inbox router & instant OTP sniffer over Model Context Protocol
●
medhantam.shop
Configured Inboxes
6 Active
🔍
🔐 Latest Verification OTP Code
Zoho Developer Sandbox
8
4
9
2
0
1
Extracted from accounts@zoho.com → zoho@medhantam.shop
⏱️ Valid for 10 mins
•
Viewing:
All Inboxes
(2 messages)
Your Zoho Verification Code
From: accounts@zoho.com • To: zoho@medhantam.shop
Today, 04:50 UTC (10:20 IST)
Hello Developer,
Your one-time verification code is: 849201.
Please enter this within 10 minutes to verify your sandbox organization.
⚙️ Inspect Raw Model Context Protocol (MCP) JSON-RPC Response ▼
{
"jsonrpc": "2.0",
"result": {
"tool": "email_get_verification_otp",
"status": "success",
"targetEmail": "zoho@medhantam.shop",
"extractedOtp": "849201",
"expirySeconds": 600,
"sourceMessageId": "msg_1789620614684_v57kr"
}
}
Autonomous Executive Digest & Exception Summary (WhatsApp Fabric)
Simulated Meta Cloud API WABA Feed • 8:30 AM Morning Pulse • Tally + Zoho + Razorpay Synced
Morning Pulse KPI Digest
• Realized Sales Yesterday: ₹1,84,320 (34 Invoices)
• Net Liquid Bank Balance: ₹11,48,200 (48 Days Buffer)
• Weighted Turnover Ratio: 5.84x Annualized (Healthy)
Critical Operational Exceptions
• Overdue Receivables (>45d): ₹4,18,000 (3 Parties)
• Stockout Alerts: Industrial Cables & Copper Lugs below safety level
• Developer Sandbox: Zoho Verification OTP 849201 ready
💬 WhatsApp Conversational AI Layer
Ask Your Business Any Question, Right on WhatsApp.
Indian SMB founders and directors run operations on WhatsApp chats and voice notes. Our neutral layer maps spoken audio or text in English and Hinglish directly to standard MCP queries across Tally, Zoho, Razorpay, and Bank accounts.
Categorized Quick Action Prompts:
💰 Sales & Cashflow
⚠️ Debtors & Overdue
📦 Inventory & Stockouts
🔑 Email MCP & Sandboxes
⚡
Udaan BI Assistant
online • Tally, Zoho, Email MCP
📞
⋮
🌅 Morning Executive Pulse (Today 8:30 AM)
Good morning, Rajesh ji! Here is your quick business pulse:
- Sales Yesterday: ₹1,84,320 (34 invoices)
- Cash in Bank: ₹11,48,200 (48d buffer)
- Inventory Turn (ITR): 5.8x (Cables 8.4x)
- Overdue >45d: ₹4,18,000 across 3 clients
- Email MCP: Zoho Sandbox OTP 849201 ready
08:30 AM ✓✓
Rajesh Sharma
Managing Director / Promoter
Alok Singhania, CA
Chief Financial Controller / Auditor
Medhantam Neutral BI Engine
SHA-256 Verified Ledger Attestation
This document contains proprietary financial intelligence generated autonomously by Medhantam BI layer connecting TallyPrime, Zoho Books, and Razorpay APIs. Reconciled against GSTR-2B & 3B statutory records.