Sharma Industries Pvt Ltd
Collections
DSO (Current)55 daysAmber provisional
Collected MTD₹5,03,50,000
Hit rate (collected vs due this month)117.1%Green provisional
Overdue 60+₹2,00,00,000
Pipeline Stages
| Stage | Count | Amount |
|---|---|---|
| Stage 1: Order confirmed | 4 | ₹2,11,60,000 |
| Stage 2: Dispatched | 8 | ₹7,36,30,000 |
Top Overdue Client (by amount past 60 days)Vaibhav Polymers Traders
CRM Followups (Week)8
Escalation Log
| Invoice No | Debtor | Stage | Days Overdue |
|---|---|---|---|
| SI/26-27/0002 | Agrawal Traders | Stage 2: Dispatched | 45 days |
| SI/26-27/0004 | Deccan Retail Co | Stage 2: Dispatched | 75 days |
| SI/26-27/0006 | Malwa Distributors | Stage 2: Dispatched | 100 days |
| SI/26-27/0008 | Nakoda Polymers | Stage 2: Dispatched | 35 days |
| SI/26-27/0010 | Rathi & Sons | Stage 2: Dispatched | 100 days |
| SI/26-27/0012 | Vaibhav Polymers Traders | Stage 2: Dispatched | 65 days |
Open Invoices
| Count | Amount |
|---|---|
| 12 | ₹9,47,90,000 |
Ageing
Ageing Buckets
| Bucket | Amount |
|---|---|
| 0-30 | ₹2,68,20,000 |
| 31-60 | ₹2,68,10,000 |
| 61-90 | ₹1,78,50,000 |
| 90+ | ₹21,50,000 |
Ageing by Debtor
| Debtor | Bucket | Amount |
|---|---|---|
| Agrawal Traders | 0-30 | ₹81,20,000 |
| Agrawal Traders | 31-60 | ₹81,10,000 |
| Deccan Retail Co | 61-90 | ₹66,80,000 |
| Malwa Distributors | 90+ | ₹3,20,000 |
| Nakoda Polymers | 0-30 | ₹1,87,00,000 |
| Nakoda Polymers | 31-60 | ₹1,87,00,000 |
| Rathi & Sons | 90+ | ₹18,30,000 |
| Vaibhav Polymers Traders | 61-90 | ₹1,11,70,000 |
Not yet due: ₹2,11,60,000
Cash and Accounts
Account balances
Account Balance: Incoming Payment (01)₹5,00,000
Profit reserve (account 02)₹28,45,000Amber provisional
Account Balance: Fixed Expense (03)₹2,40,000
Account Balance: Vendor Payment (04)₹80,00,000
Allocation Split Constants
| Constant | Value |
|---|---|
| Reserve share | 5% |
| Fixed expense target per month | ₹87,50,000 |
Allocation Run History
| Run Date | Inflow | To Reserve | To Fixed | To Vendor |
|---|---|---|---|---|
| 01-May-2026 | ₹2,38,20,000 | ₹11,91,000 | ₹43,75,000 | ₹1,82,54,000 |
| 15-May-2026 | ₹2,52,90,000 | ₹12,64,500 | ₹43,75,000 | ₹1,96,50,500 |
| 01-Jun-2026 | ₹2,38,90,000 | ₹11,94,500 | ₹43,75,000 | ₹1,83,20,500 |
| 15-Jun-2026 | ₹2,53,70,000 | ₹12,68,500 | ₹43,75,000 | ₹1,97,26,500 |
| 01-Jul-2026 | ₹2,39,60,000 | ₹11,98,000 | ₹43,75,000 | ₹1,83,87,000 |
| 15-Jul-2026 | ₹2,54,50,000 | ₹12,72,500 | ₹43,75,000 | ₹1,98,02,500 |
| 01-Aug-2026 | ₹2,40,40,000 | ₹12,02,000 | ₹43,75,000 | ₹1,84,63,000 |
| 15-Aug-2026 | ₹2,55,20,000 | ₹12,76,000 | ₹43,75,000 | ₹1,98,69,000 |
| 01-Sep-2026 | ₹2,41,10,000 | ₹12,05,500 | ₹43,75,000 | ₹1,85,29,500 |
| 15-Sep-2026 | ₹2,56,00,000 | ₹12,80,000 | ₹43,75,000 | ₹1,99,45,000 |
| 01-Oct-2026 | ₹2,41,80,000 | ₹12,09,000 | ₹43,75,000 | ₹1,85,96,000 |
| 15-Oct-2026 | ₹2,56,70,000 | ₹12,83,500 | ₹43,75,000 | ₹2,00,11,500 |
Next Run Projection
| Next Run Date |
|---|
| 01-Nov-2026 |
Exception FlagNo
Fixed Target (Monthly)₹87,50,000
Vendor FIFO
Vendor Funds Balance₹80,00,000
To pay this week (above the line)
| Vendor | Bill No | Outstanding | Due Date | Pay Date |
|---|---|---|---|---|
| Om Packaging | BILL-003 | ₹79,20,000 | 17-Aug-2026 | 26-Oct-2026 |
Carried Below the Line
| Vendor | Bill No | Outstanding | Due Date |
|---|---|---|---|
| Prisma Additives | BILL-005 | ₹1,03,00,000 | 16-Oct-2026 |
| Balaji Polymers | BILL-001 | ₹4,75,40,000 | 05-Nov-2026 |
Vendor Calls (Week)0
Monday File Queue
| Vendor | Bill No | Outstanding | Due Date | Decision | Unfunded this week (cumulative) | Planned Pay Date |
|---|---|---|---|---|---|---|
| Om Packaging | BILL-003 | ₹79,20,000 | 17-Aug-2026 | PAY | ₹0 | 26-Oct-2026 |
| Prisma Additives | BILL-005 | ₹1,03,00,000 | 16-Oct-2026 | WAIT | ₹1,02,20,000 | Not scheduled |
| Balaji Polymers | BILL-001 | ₹4,75,40,000 | 05-Nov-2026 | SCHEDULED | ₹5,77,60,000 | 20-Nov-2026 |
BTL Legacy Table
| Vendor | Bill No | Amount | Paid | Left | Status |
|---|---|---|---|---|---|
| Shree Metals | BILL-002 | ₹55,50,000 | ₹0 | ₹55,50,000 | Not yet due |
| Kwality Chemicals | BILL-004 | ₹79,20,000 | ₹0 | ₹79,20,000 | Behind |
Vendor Master
| Vendor | MSME | FIFO Outstanding | BTL Outstanding |
|---|---|---|---|
| Balaji Polymers | Yes | ₹4,75,40,000 | ₹0 |
| Shree Metals | No | ₹0 | ₹55,50,000 |
| Om Packaging | Yes | ₹79,20,000 | ₹0 |
| Kwality Chemicals | No | ₹0 | ₹79,20,000 |
| Prisma Additives | No | ₹1,03,00,000 | ₹0 |
MSME 45-Day Clock
| Vendor | Bill No | Days | Classification |
|---|---|---|---|
| Balaji Polymers | BILL-001 | 20 days | Green |
| Om Packaging | BILL-003 | 100 days | Red |
Inventory and GP
Stock
Inventory Value₹9,00,00,000
Inventory Days68 days
Inventory Turns5.4 times
Dead Stock Total₹2,80,00,000
Dead Stock Decided %100.0%
Dead Stock Table
| SKU | Value | Decision | Days |
|---|---|---|---|
| HDPE Sheet 4mm | ₹2,00,00,000 | Sell | 200 days |
| PP Woven Sack | ₹80,00,000 | Write off | 200 days |
ABC / Ageing Matrix
| ABC Class | Ageing Bucket | Value | Count |
|---|---|---|---|
| A | Current | ₹4,05,00,000 | 2 |
| B | Current | ₹1,20,00,000 | 1 |
| C | Current | ₹95,00,000 | 1 |
| A | Dead | ₹2,00,00,000 | 1 |
| C | Dead | ₹80,00,000 | 1 |
Reorder Alerts
| SKU | Qty | Reorder Point Qty |
|---|---|---|
| Colorant Red CR-12 | 2375 | 2969 |
Cash Conversion Cycle (Days)63 days
Gross profit
GP Quadrant (SKU)
| SKU | Revenue (Apr to Sep 2026) | COGS | GP | GP % | Quadrant |
|---|---|---|---|---|---|
| PVC Granules 25kg | ₹13,20,00,000 | ₹11,61,60,000 | ₹1,58,40,000 | 12.0% | Reprice or exit |
| LDPE Film Roll | ₹9,00,00,000 | ₹5,58,60,000 | ₹3,41,40,000 | 37.9% | BEST |
| Masterbatch Blue MB-40 | ₹2,82,00,000 | ₹1,92,00,000 | ₹90,00,000 | 31.9% | GROW |
| Colorant Red CR-12 | ₹6,00,00,000 | ₹4,98,00,000 | ₹1,02,00,000 | 17.0% | REVIEW |
GP Quadrant (Client)
| Customer | Revenue (Apr to Sep 2026) | COGS | GP | GP % | Quadrant |
|---|---|---|---|---|---|
| Agrawal Traders | ₹5,31,00,000 | ₹4,32,60,000 | ₹98,40,000 | 18.5% | Reprice or exit |
| Nakoda Polymers | ₹12,24,00,000 | ₹10,62,00,000 | ₹1,62,00,000 | 13.2% | Reprice or exit |
| Vaibhav Polymers Traders | ₹7,31,40,000 | ₹4,57,20,000 | ₹2,74,20,000 | 37.5% | BEST |
| Rathi & Sons | ₹1,50,00,000 | ₹1,05,60,000 | ₹44,40,000 | 29.6% | GROW |
| Deccan Retail Co | ₹4,37,40,000 | ₹3,33,60,000 | ₹1,03,80,000 | 23.7% | REVIEW |
| Malwa Distributors | ₹28,20,000 | ₹19,20,000 | ₹9,00,000 | 31.9% | GROW |
GP Annual Opportunity₹31,81,044
Debt
Total Outstanding₹13,38,00,000
Interest Cost (Monthly)₹12,48,100
Interest saved since Month 1 (monthly)₹94,000
First loan to clear
| Lender | Kind | Monthly Interest |
|---|---|---|
| SBI CC | Cash credit | ₹5,07,600 |
Enough buffer to prepay earlyNo
Hold off on prepaying any loan for now.
Hold: profit reserve ₹28,45,000 is below the ₹40,38,462 two-week fixed-cost buffer.
Facilities with a reducing limit
| Lender | Kind | Sanctioned limit | Rate |
|---|---|---|---|
| NBFC Machinery Loan | Machinery loan | ₹2,00,00,000 | 13.5% |
Debt register
Debt Register
| Lender | Kind | Outstanding | Monthly Interest | Rank |
|---|---|---|---|---|
| SBI CC | Cash credit | ₹6,48,00,000 | ₹5,07,600 | 1 |
| NBFC Machinery Loan | Machinery loan | ₹1,80,00,000 | ₹2,02,500 | 2 |
| BOM Term Loan | Term loan | ₹2,40,00,000 | ₹1,98,000 | 3 |
| Unsecured business loan | Unsecured business loan | ₹1,20,00,000 | ₹1,90,000 | 4 |
| Promoter friendly loan | Other loan | ₹1,50,00,000 | ₹1,50,000 | 5 |
Attack order (by monthly interest in rupees)
Attack Order
| Lender | Kind | Monthly Interest | Freed EMI |
|---|---|---|---|
| SBI CC | Cash credit | ₹5,07,600 | ₹0 |
Spending budget (ZBB)
Projected month-end overspend₹2,45,385
Month to Date vs Target
| Ledger Head | MTD Actual | Target | Variance |
|---|---|---|---|
| Salaries | ₹54,50,000 | ₹65,00,000 | -₹10,50,000 |
| Rent | ₹4,20,000 | ₹5,00,000 | -₹80,000 |
| Utilities | ₹6,90,000 | ₹5,87,097 | ₹1,02,903 |
| Transport | ₹4,40,000 | ₹3,77,419 | ₹62,581 |
| Marketing | ₹2,50,000 | ₹2,93,548 | -₹43,548 |
| Repairs & Maintenance | ₹2,50,000 | ₹2,09,677 | ₹40,323 |
Top OvershootUtilities
Lines at 90% of cap or more3
Lines Under 50%0
Zero-based budget
ZBB Table
| Ledger Head | Class | Monthly Cap | MTD Actual | Owner |
|---|---|---|---|---|
| Salaries | Fixed | ₹65,00,000 | ₹54,50,000 | Accounts |
| Rent | Fixed | ₹5,00,000 | ₹4,20,000 | Accounts |
| Utilities | Variable | ₹7,00,000 | ₹6,90,000 | Accounts |
| Transport | Variable | ₹4,50,000 | ₹4,40,000 | Accounts |
| Marketing | Discretionary | ₹3,50,000 | ₹2,50,000 | Accounts |
| Repairs & Maintenance | Discretionary | ₹2,50,000 | ₹2,50,000 | Accounts |
ZBB Totals
| Monthly Cap Total | MTD Actual Total | Count | Lines Projected Over Cap | Annual Leakage (Projected Over Cap) |
|---|---|---|---|---|
| ₹87,50,000 | ₹75,00,000 | 6 | 3 | ₹29,44,615 |
Cash Radar
Cash Floor₹50,00,000
Cash at week-1 close₹1,08,57,500
Cash AlertGreen
13-week grid
13-Week Grid
| Week Start | Inflow | Outflow | Closing |
|---|---|---|---|
| 26-Oct-2026 | ₹1,13,40,000 | ₹1,20,67,500 | ₹1,08,57,500 |
| 02-Nov-2026 | ₹1,13,90,000 | ₹1,21,07,500 | ₹1,01,40,000 |
| 09-Nov-2026 | ₹1,14,30,000 | ₹1,21,47,500 | ₹94,22,500 |
| 16-Nov-2026 | ₹1,14,80,000 | ₹1,21,97,500 | ₹87,05,000 |
| 23-Nov-2026 | ₹1,15,20,000 | ₹1,22,37,500 | ₹79,87,500 |
| 30-Nov-2026 | ₹1,15,70,000 | ₹1,22,77,500 | ₹72,80,000 |
| 07-Dec-2026 | ₹1,16,20,000 | ₹1,23,17,500 | ₹65,82,500 |
| 14-Dec-2026 | ₹1,16,60,000 | ₹1,23,67,500 | ₹58,75,000 |
| 21-Dec-2026 | ₹1,17,10,000 | ₹1,17,20,000 | ₹58,65,000 |
| 28-Dec-2026 | ₹1,17,50,000 | ₹1,17,60,000 | ₹58,55,000 |
| 04-Jan-2027 | ₹1,18,00,000 | ₹1,18,10,000 | ₹58,45,000 |
| 11-Jan-2027 | ₹1,18,40,000 | ₹1,18,50,000 | ₹58,35,000 |
| 18-Jan-2027 | ₹1,18,90,000 | ₹1,18,90,000 | ₹58,35,000 |
Alerts
Next ShortfallNo shortfall in the 13-week window
Wealth
Net Worth₹1,39,00,000
Net Worth Breakdown
| Type | Item | Amount |
|---|---|---|
| Asset | Residential flat, Indore | ₹90,00,000 |
| Asset | Investment & real-estate corpus (rental property + SIP/SWP + STP + debt fund) | ₹74,00,000 |
| Asset | Total Assets | ₹1,64,00,000 |
| Liability | Personal car loan, promoter | ₹25,00,000 |
| Liability | Total Liabilities | ₹25,00,000 |
| Net Worth | Net Worth | ₹1,39,00,000 |
Passive Income (monthly)₹10,000
Insurance Gap₹6,00,00,000
The four moves and four streams
Four Moves
| Kind | Status |
|---|---|
| Director salary | done |
| Quarterly distribution | done |
| Lease-back | done |
| Opportunity fund | pending |
Four Streams
| Kind | Amount | Monthly Income |
|---|---|---|
| Real estate | ₹35,00,000 | ₹10,000 |
| SIP / SWP | ₹18,00,000 | ₹0 |
| STP | ₹9,00,000 | ₹0 |
| Debt foundation | ₹12,00,000 | ₹0 |