Financial Analysis Report
Mrs. Jayashree Pradhan
Account: ****5049497 | Period: June 10 - October 24, 2025
Opening Balance
₹25,726
Current Balance
₹24,511
-4.7%
Total Credits
₹46,526
14 Transactions
Total Debits
₹47,741
57 Transactions
Net Change
-₹1,215
Total Transactions
71
Performance Analytics
Comprehensive financial trend analysis and category breakdown
Balance Trend Analysis
Account balance movement over time
Income vs Expenditure
Total flow comparison
Monthly Cash Flow
Period-over-period comparison
Expense Distribution
Category-wise allocation
Top Spending Categories
Ranked by total expenditure
Income Trend
Monthly salary progression
Expenditure Analysis
Detailed category-wise breakdown and insights
Education
₹17,990
% of Total
37.7%
Transactions
4
Transfers
₹21,600
% of Total
45.2%
Transactions
3
Telecom
₹5,689
% of Total
11.9%
Transactions
8
Food Delivery
₹1,621
% of Total
3.4%
Transactions
7
Shopping
₹2,872
% of Total
6.0%
Transactions
Multiple
Utilities
₹912
% of Total
1.9%
Transactions
1
Income Sources
Breakdown of revenue streams
Salary
₹46,000
98.9% of total income
Interest
₹264
0.6% of total income
Refunds
₹336
0.7% of total income
Subsidy
₹38
0.1% of total income
Monthly Performance
Period-by-period financial summary
June 2025
Opening
₹25,726
Credits
₹183
Debits
₹7,896
Closing
₹18,013
July 2025
Opening
₹18,013
Credits
₹8,166
Debits
₹9,687
Closing
₹16,492
August 2025
Opening
₹16,492
Credits
₹8,191
Debits
₹15,750
Closing
₹8,933
September 2025
Opening
₹8,933
Credits
₹8,088
Debits
₹11,392
Closing
₹5,629
October 2025
Opening
₹5,629
Credits
₹22,119
Debits
₹3,236
Closing
₹24,511
Transaction History
Comprehensive transaction log
| Date | Description | Category | Amount |
|---|
Strategic Insights
Analysis and recommendations
Key Findings
- October salary increased 175% from ₹8,000 to ₹22,000
- Education expenses represent 37.7% of total expenditure
- Six UPI reversals totaling ₹335.50 were received
- Regular transfers of ₹6,200 to Bishnu Mohanty identified
Recommendations
- Register account nomination (currently not set up)
- Increase emergency fund allocation with salary growth
- Maintain ₹7,000 buffer for quarterly school fees
- Explore higher-yield savings options (current: 2.5% p.a.)
Optimization Opportunities
- Food delivery averaging ₹360/month (potential annual savings: ₹4,320)
- Review recurring ₹6,200 transfers for optimization
- Avoid decline charges by maintaining minimum balance
- Consolidate small transactions to reduce processing fees
Payment Patterns
- UPI represents primary payment method (52 transactions)
- Debit card utilized 7 times totaling ₹20,608
- NEFT received 6 times for salary disbursements
- Zero fraudulent transactions detected