SAMPLE REPORT — illustrative output for evaluation purposes. Applicant identity, contact details, address, ID numbers and photos have been fictionalized/replaced; underlying analysis structure and figures are representative of real AI Agent output.
AI AGENT · SAMPLE CREDIT EVALUATION REPORT
Ramesh Kumar Sah
Shree Ganesh Garments · Sample Town, Bihar
Applicant
Ramesh Kumar Sah
Business
Shree Ganesh Garments
Bureau Score
741 Caution
Total Outstanding Debt
₹332,584
Location
Sample Town, Bihar
Decision
DECLINE
1Applicant & Business Photos
Shop FrontReadymade clothing store frontage, signage consistent with declared business name.
Inside ShopGarments displayed and stocked — active retail clothing operation.
Selfie with ShopApplicant photographed at storefront — identity + location combined evidence.
| Photo Type | Captured | Geo-tag | Notes |
|---|---|---|---|
| Selfie of applicant (with shop) | Yes | 25.0000, 85.5000 | Face visible, consistent with shop interior image |
| Shop exterior / front | Yes | 25.0000, 85.5000 | Clothing signage visible |
| Shop interior | Yes | 25.0000, 85.5000 | Garment stock visible on racks/shelves |
| Business proof document | Yes | — | MSME / Udyam certificate screenshot on file |
2Applicant & Business Profile
Applicant Identity
| Full Name | Ramesh Kumar Sah |
| Date of Birth | 02-Jul-1987 (Age 39 — turns 39 today) |
| Gender | Male |
| PAN | XXXX****9A |
| Aadhaar | xxxxxxxx0000 (masked) |
| Address | Ward No. 7, near Durga Mandir, Sample Basti, Sample Nagar, Sample District, Bihar 800001 |
| Residence Ownership | Not captured |
| KYC Verification | Verified via DigiLocker, face match 98% |
Contactability
| Primary Mobile | 9876500001 |
| Not provided in KYC — see bureau-sourced emails below | |
| Alternate Mobile (Bureau records) | 9876500002 — source: bureau, 1 of 77 tradeline phone records (low confidence — single occurrence) |
| Alternate Email (Bureau records) | sample.applicant@example.com — source: bureau, dominant across 59 of 66 tradeline email records; likely the applicant's real personal email |
| Other Emails in Bureau Records | sample.business@example.com (7 records — matches Kavita Devi's discarded account exactly, reinforcing §2); 6 other one-off variants not treated as reliable |
| Phone Verified | Not marked verified in KYC extract |
| Field Agent Visit | Not on file |
Business Profile
| Business Name | Shree Ganesh Garments |
| Type | Sole Proprietor — Clothing / Textiles (self-declared) |
| Years in Operation | 5+ years (self-declared) |
| Self-Declared Annual Turnover | ₹25L – ₹50L |
| GST Registration | Not provided |
| UDYAM / MSME Registration | Provided |
| Business Proof on File | MSME / Udyam certificate (screenshot) |
Business consistency check — cannot be corroborated on the applicant's own account. The recurring supplier payments to "Shiv Shakti Textiles" (₹51,050 across 5 UPI-P2M debits) referenced in earlier drafts of this report were traced to the Axis Bank account registered to "Kavita Devi" — one of the 4 accounts excluded by the ownership check in §3, not the applicant's own PNB account. On the verified account, credits are 85 individually named senders with a median transaction of just ₹501 — plausible small-ticket retail activity, but with no direct supplier-side evidence to confirm the clothing business specifically.
Location & Geo-Verification
| City / State / PIN | Sample Town, Bihar 800001 |
| Landmark | Sample Chowk |
| Geo-tag (business photo) | 25.0000, 85.5000 |
| Google API Address Match | 25.0230, 85.5410 — "Pokhar Basti (locality), Sample Town, Bihar 800001" |
| Offset (photo vs Google API) | ~8.2 km — Mismatch — review |
| Area Type | Semi-urban / mixed commercial |
| Web / Listing Search | Not performed in this pass |
Family & Related Business
| Relation | Name | Source / Confidence |
|---|---|---|
| Father | Ramprasad Sah | KYC (S/O) confirmed |
| Mother (plausible, by DOB/address) | Sushila Devi (b. 1963) | Confirmed separate account holder owns the UCO Bank account (0366) — own PAN, excluded from evaluation |
| Wife / close family (plausible) | Kavita Devi (b. 1991) | Confirmed separate account holder owns the Axis Bank account (2034) — own PAN, email registered as "sample.business@example.com"; excluded from evaluation despite the business-name link |
| Family (recurring banking pattern, own account) | Rohit (Kumar Sah) | Named counterparty appears as sender/payee on the applicant's own PNB account — excluded from income as family transfer |
| Group affiliation, not an individual | "Sunrise JLG Group" | JLG group account owns 2 of the HDFC accounts, no PAN — excluded from evaluation |
| Related Business / Counterparty | Role | Evidence |
|---|---|---|
| Shiv Shakti Textiles | Supplier — wholesale cloth vendor | 5 UPI-P2M debits, ₹51,050 — found on Kavita Devi's (discarded) account only, not the applicant's own account |
| Annapurna Finance (MFI) | Existing microfinance lender | 75 narration hits totalling ₹1,92,457, on the applicant's own PNB account — confirmed active lender relationship |
| UPMOVE | Possible gig/employer-style credit source | Seen only on discarded accounts in the original 5-account pull — not present on the applicant's own verified account |
3Banking Profile & Cash Flow
Account Ownership Verification
| Bank | Account No. | Holder Name on Account | Holder PAN | Match? | Used in Evaluation? |
|---|---|---|---|---|---|
| Punjab National Bank | XXXXXXXXXXXX1234 | RAMESH KUMAR SAH | XXXX****9A | Full PAN match | Yes |
| UCO Bank | XXXXXXXXXX5678 | SUSHILA DEVI | XXXX****4C | No match — different person | No — discarded |
| Axis Bank | XXXXXXXXXXX9012 | KAVITA DEVI | XXXX****2B | No match — different person | No — discarded |
| HDFC Bank | XXXXXXXXXX3456 | SUNRISE JLG GROUP | None on file | No match — JLG group, not applicant | No — discarded |
| HDFC Bank | XXXXXXXXXX7890 | SUNRISE JLG GROUP | None on file | No match — JLG group, not applicant | No — discarded |
Only 1 of 5 linked accounts (Punjab National Bank, ...0069) matches the applicant by PAN and name. The other 4 belong to a different named individual with their own PAN each (Sushila Devi, plausibly the applicant's mother by DOB; Kavita Devi, plausibly a close family member — her account's registered email matches the business name exactly, but the account itself is not in the applicant's name or PAN), plus a JLG (Joint Liability Group) account duplicated across two HDFC entries with no PAN and a group label instead of a person's name. All 4 are discarded per the account-ownership rule — this materially changes every banking metric below versus treating all 5 as the applicant's own.
Account Overview (verified accounts only)
| Bank | Account No. | Type | Opened | Status | AA Data Window | Latest Balance |
|---|---|---|---|---|---|---|
| Punjab National Bank | XXXXXXXXXXXX1234 | Savings | 28-Feb-2023 | Active | 14-May-2025 → 09-Jun-2026 (13 months) | ₹130 |
Only the verified PNB account is used below. 884 transactions over the AA window, versus 2,353 across all 5 accounts in the original (unverified) pull.
Credit Transaction Cleaning
| Category | Amount (₹) | Txns | % of Credits | Treatment |
|---|---|---|---|---|
| Business / Customer payment | 5,45,089 | 144 | 44.3% | Kept |
| Self-transfer (own account) | 2,59,250 | 36 | 21.1% | Excluded |
| BC / Money-transfer pass-through | 1,33,060 | 19 | 10.8% | Excluded |
| Loan disbursement | 1,32,559 | 12 | 10.8% | Excluded |
| Other / Unclassified | 64,866 | 18 | 5.3% | Excluded |
| Family transfer (named) | 45,761 | 21 | 3.7% | Excluded |
| Salary / Employer-style credit ("UPMOVE") | 39,524 | 2 | 3.2% | Excluded (review) |
| Reversal / Refund | 10,757 | 11 | 0.9% | Excluded |
| Total Raw Credits | 12,30,865 | 263 | 100% | — |
Adjusted business income = ₹5,45,089 over 14 months ≈ ₹38,935 / month — down from the ₹1,50,823/month figure in the prior draft. That earlier number blended in credits from 4 accounts that don't belong to the applicant, including the Axis Bank account that carried the "
"single largest transaction volume of the original 5-account pull. On the verified account alone, income is "
"modest and, as noted in §2, cannot be directly corroborated against the declared clothing-supplier "
"relationship.
Debit Breakdown
| Category | Amount (₹) | Txns | % of Debits |
|---|---|---|---|
| Peer / Friends transfer (individual payees) | 6,28,573 | 389 | 50.8% |
| Loan repayment / EMI (visible) | 2,78,420 | 117 | 22.5% |
| Cash withdrawal | 1,43,520 | 23 | 11.6% |
| Family transfer (named) | 74,545 | 16 | 6.0% |
| Other / Unclassified | 69,285 | 65 | 5.6% |
| Self-transfer (own account) | 42,552 | 11 | 3.4% |
| Total Raw Debits | 12,36,895 | 621 | 100% |
Loan repayment / EMI jumps to 22.5% of debits (from 8.5% in the prior blended draft) — the applicant's own account carries a much heavier visible debt-service load than the 5-account blend suggested. Annapurna Finance MFI alone accounts for ₹1,92,457 of this (75 transactions).
Monthly Cash Flow (14 months)
| Month | Raw Credit | Raw Debit | Adjusted Biz Income | Visible EMI Debit |
|---|---|---|---|---|
| May 2025 | 87,495 | 93,475 | 30,064 | 56,950 |
| Jun 2025 | 345,980 | 344,110 | 179,919 | 102,905 |
| Jul 2025 | 164,177 | 166,061 | 54,989 | 79,158 |
| Aug 2025 | 7,775 | 7,811 | 75 | 0 |
| Sep 2025 | 19,565 | 8,356 | 1,510 | 1 |
| Oct 2025 | 57,442 | 68,603 | 7,872 | 0 |
| Nov 2025 | 46,836 | 46,795 | 11,952 | 0 |
| Dec 2025 | 53,488 | 53,572 | 24,281 | 16,725 |
| Jan 2026 | 36,135 | 36,133 | 7,745 | 10 |
| Feb 2026 | 154,790 | 154,749 | 76,867 | 4,048 |
| Mar 2026 | 42,121 | 42,162 | 5,725 | 5,110 |
| Apr 2026 | 45,862 | 45,841 | 0 | 1,750 |
| May 2026 | 88,800 | 85,635 | 73,690 | 6,521 |
| Jun 2026 (partial, 9 days) | 80,400 | 83,593 | 70,400 | 5,242 |
Business income on the verified account is thin and erratic — several months (Aug 2025 ₹75, Sep 2025 ₹1,510, Apr 2026 ₹0) show near-zero retail activity, a materially different picture than the smoother ₹1.5–3.4L/month pattern seen when other people's accounts were blended in.
Account Stability
Avg End-of-Day Balance
₹2,169
Min Balance (any day)
₹0
Days EOD < ₹500
74.7%
Rule 1 — Hard Decline trigger, severely breached. On the applicant's own verified account, EOD balance is < ₹500 on 74.7% of all days — nearly 4x the ≥20%-overall hard-decline threshold. Every single month from May-2025 onward except one exceeds the ≥30%-in-a-month threshold, several by a wide margin (Aug-2025 100%, Jan-2026 93.5%, Dec-2025 83.9%, Mar-2026 83.9%). This is a complete reversal of the "passes cleanly" reading in the prior draft, which was based on combined balances across 5 accounts — 4 of which do not belong to the applicant. Balance-to-"
"income ratio (2,169 ÷ 38,935 ≈ 5.6%) still looks acceptable in isolation, underlining why the day-level "
"distribution check — not the monthly average — is the metric to trust here.
Fraud Indicators
| Check | Result | Notes |
|---|---|---|
| Round-trip credit→debit (same party, <48h) | Not run this pass | Needs a dedicated same-day/48h reconciliation pass across the 884-row verified ledger |
| Sudden large credit inconsistent with profile | No | No single-day batch exceeds ~₹60K on the verified account |
| Multiple accounts / split deposits | Yes — resolved by ownership check | 4 of 5 originally linked accounts belong to other people; the ownership check in §3 exists precisely to catch this pattern |
| Income source not disclosed in application | Cannot confirm | Supplier evidence for the declared clothing business sits only on a discarded family account, not the applicant's own |
4Bureau Profile Analysis
Bureau Score
741 Caution
Total Accounts
114 (16 active / 98 closed)
Outstanding Balance
₹332,584
Write-offs / Settled
0 / 0
Inquiries (12m / 6m)
5 / 4
Credit Vintage
Since Dec-2018 (~7.5 yrs)
Unsecured exposure is 63% of outstanding balance (₹2,10,670 of ₹3,32,584); secured 37% (₹1,21,914 — likely the two-wheeler loan). 14 total inquiries lifetime, with an elevated recent pace: 5 in the last 12 months / 4 in the last 6 months (incl. Aspire's own 24-Jun-2025 pull for the applicant's prior loan) — worth a closer look, though not a hard-decline signal on its own. Bureau data is unaffected by the account-ownership finding in §3.
DPD History — Lifetime (all tradelines, active + closed)
DPD > 0 instances (lifetime)
3
30+ DPD instances
0
90+ DPD instances
0
Only 3 DPD>0 instances across the applicant's entire 114-account lifetime history, none reaching the 30+ band. All 16 currently active accounts show 0 DPD history — a clean repayment record across a very large tradeline count.
Active Tradelines (16 accounts, current balance ≥ 0)
| Account Type | Opened | Current Balance | Sanctioned | Est. Tenure (mo) | Est. Monthly EMI | DPD Instances | 30+ DPD |
|---|---|---|---|---|---|---|---|
| Short Term Personal Loan [Unsecured] | 14-May-2026 | ₹2,000 | ₹2,000 | 2 | ₹1,000 | 0 | 0 |
| Loan, Consumer | 14-May-2026 | ₹0 | ₹1,120 | 1 | ₹0 | 0 | 0 |
| Loan, Consumer | 03-May-2026 | ₹18,020 | ₹18,020 | 11 | ₹1,638 | 0 | 0 |
| Loan, Personal Cash | 12-Apr-2026 | ₹22,725 | ₹28,000 | 4 | ₹5,681 | 0 | 0 |
| Loan, Personal Cash | 23-Mar-2026 | ₹12,491 | ₹14,000 | 4 | ₹3,123 | 0 | 0 |
| P2P Personal Loan | 19-Mar-2026 | ₹12,667 | ₹19,000 | 4 | ₹3,167 | 0 | 0 |
| Loan, Personal Cash | 05-Mar-2026 | ₹28,006 | ₹35,000 | 11 | ₹2,546 | 0 | 0 |
| Loan, Consumer | 14-Feb-2026 | ₹8,750 | ₹14,000 | 9 | ₹972 | 0 | 0 |
| Loan, Personal Cash | 12-Feb-2026 | ₹6,434 | ₹10,000 | 3 | ₹2,145 | 0 | 0 |
| Loan, Personal Cash | 24-Dec-2025 | ₹7,000 | ₹7,000 | 3 | ₹2,333 | 0 | 0 |
| Loan, Personal Cash | 11-Nov-2025 | ₹6,147 | ₹6,147 | 3 | ₹2,049 | 0 | 0 |
| Loan, Personal Cash | 03-Oct-2025 | ₹5,184 | ₹55,000 | 3 | ₹1,728 | 0 | 0 |
| Loan, Personal Cash | 13-Jun-2025 | ₹44,424 | ₹150,000 | 11 | ₹4,039 | 0 | 0 |
| Business Loan - Secured | 22-Apr-2025 | ₹78,708 | ₹115,000 | 16 | ₹4,919 | 0 | 0 |
| Business Loan - Unsecured | 19-Mar-2025 | ₹36,822 | ₹150,000 | 13 | ₹2,832 | 0 | 0 |
| Instalment Loan, Two-Wheeler | 21-Nov-2024 | ₹43,206 | ₹95,000 | 22 | ₹1,964 | 0 | 0 |
| Total Estimated Monthly EMI Obligation (bureau, active accounts) | ₹40,136 | — | — | ||||
High historical account velocity, but clean conduct. 114 lifetime tradelines (16 active) is a very high count, and several small unsecured loans were opened in quick succession Feb–May 2026 — similar surface pattern to loan-stacking. Every one of these active accounts shows 0 DPD, and the secured two-wheeler loan (2024) plus two business loans (2025) suggest a mix of planned and small-ticket borrowing. This bureau read alone still looks manageable — it's the banking picture in §3 that changed materially after the ownership check.
5Cross-Verification — Bureau vs Banking
| Signal | Bureau | Banking (observed) | Match? |
|---|---|---|---|
| Estimated monthly EMI obligation | ₹40,136 (16 active accounts, tenure-modelled) | ₹19,887 (avg visible EMI debit/month, verified account only) | Partial — 50% visible |
| Active loan count | 16 accounts | 117 EMI-flagged debit txns on the verified account, incl. 75 hits to "Annapurna Finance" MFI (₹1,92,457) | Consistent — Annapurna is a confirmed active lender relationship, visible on the applicant's own account |
| Existing Aspire relationship | Prior loan ₹65,000 | 1 narration hit (₹2,887) to "ASPIRE" on the verified account | Weak visibility, not contradicted |
| Total outstanding debt | ₹3,32,584 | n/a (not directly observable from bank ledger) | — |
EMI visibility held up better than income did. Even after restricting to the verified account, half of the bureau-modelled EMI is directly visible in banking — a reasonable match. The real damage from the ownership correction is on the income side (§3): the business income figure fell 74% once other people's accounts were removed, which is what drives the FOIR result in §7.
6Income Triangulation
| Source | Monthly Income Estimate | Confidence |
|---|---|---|
| Stated by applicant (bKYC self-declared band) | ₹2,08,333 – ₹4,16,667 (implied by ₹25L–50L/yr) | — |
| Banking cash flow (adjusted business credits, verified account only) | ₹38,935 | Low |
| Bureau EMI-reverse-engineered (EMI ÷ typical FOIR of 40%) | ₹1,00,340 | Medium |
| GST turnover-based estimate | Not available — no GST registration | — |
| Field agent visual estimate | Not captured | — |
| Triangulated Income (used for underwriting) | ₹38,935 | Banking-based, adjusted, verified account only |
Every other income estimate — self-declared (₹2.08–4.17L), bureau-implied (₹1.00L) — now sits far above the verified banking figure (₹38,935), a variance well over 100%. This is the single biggest change from the account-ownership correction: the picture went from "banking roughly supports the self-declared range" to "banking contradicts it sharply." Use the lowest, most-verified figure for underwriting.
7Decision Summary
| Loan amount requested | ₹20,000 (weekly term product, offer range ₹11,000–₹20,000) |
| Recommended loan amount | ₹0 — decline this cycle |
| True FOIR at requested amount | ≈ 114% (₹40,136 existing + ≈₹4,192 proposed ÷ ₹38,935 income) |
| True FOIR at minimum offer (₹11,000) | ≈ 111% — still far over the 65% hard-decline line |
| Risk Category | High |
| Decision | DECLINE |
Why this flipped from Approve to Decline: The prior draft blended 5 linked bank accounts into one cash-flow picture. The new account-ownership check (§3) found that only 1 of those 5 — a Punjab National Bank account — actually belongs to the applicant; the other 4 (including the single highest-volume account) belong to a mother, a family member, and a JLG group. Recomputing on the applicant's own account only: adjusted business income falls from ₹1,50,823/month to ₹38,935/month, EOD balance below ₹500 jumps from 0% of days to 74.7% of days, and true FOIR jumps from ~29% to ~114% — both independently past the Rule 1 and Rule 4 hard-decline thresholds. The bureau profile itself (741 score, 0 active DPD) is unchanged and still reasonable, but it cannot offset a verified cash-flow picture this weak.
Conditions for reconsideration: (1) obtain and verify banking data for the applicant's own account(s) only — do not re-include the discarded accounts even if consent is "
"available for them; (2) if the applicant genuinely co-manages the business with Kavita Devi (whose account "
"carries the business-linked email), consider a joint or co-borrower application structured explicitly "
"around that relationship rather than treating her account as the applicant's own; (3) resolve the ~8.2km "
"geo-tag offset; (4) re-run FOIR only after a verified, own-account income figure improves.
APPENDIX — additional sections, not part of the frozen 1–7 core
AFlags & Alerts
| Flag | Triggered | Notes |
|---|---|---|
| Identity mismatch | No | DigiLocker KYC verified, face match 98% |
| Address not traceable | Review | ~8.2km offset between business-photo geo-tag and Google API address match |
| Bureau score < threshold | Caution band | 741 — in the 700–749 extra-scrutiny band, not a decline trigger on its own |
| High DPD history | No | 3 lifetime instances across 114 accounts, none 30+; 0 on all 16 active accounts |
| Bank account < 6 months old | No | Verified PNB account since Feb-2023 |
| Geo-tag mismatch with stated address | Yes | ~8.2 km — review before disbursal |
| Web search — business not found | Not checked | Not performed this pass |
| Income triangulation variance > 40% | Yes | Self-declared and bureau-implied estimates both exceed verified banking income by 100%+ |
| Chronic near-zero balance (Rule 1) | YES — hard decline | 74.7% of days EOD < ₹500 on verified account; nearly every month > 30% |
| True FOIR > 65% (Rule 4) | YES — hard decline | ~111–114% at requested amount |
| Linked accounts belong to other people | YES | 4 of 5 originally linked accounts discarded per account-ownership check — see §3 |
| Elevated inquiry velocity | Review | 4 inquiries in last 6 months, 5 in last 12 months |
BTable 1 — Top Creditors (highest to lowest)
Every named counterparty who sent money in, across all categories, ranked by amount. Capped at 20 rows or 80% of cumulative credit value, whichever is reached first.
| # | Name | Category | Amount (₹) | Txns | % of Credits | Cumulative % |
|---|---|---|---|---|---|---|
| 1 | RAMESH K | Self-transfer (own account) | ₹259,250 | 36 | 21.1% | 21.1% |
| 2 | ASPIRE F | Loan disbursement | ₹63,425 | 1 | 5.2% | 26.3% |
| 3 | SURESH K | Business / Customer payment | ₹61,500 | 2 | 5.0% | 31.3% |
| 4 | RAPIPAY | BC / Money-transfer pass-through | ₹60,060 | 8 | 4.9% | 36.2% |
| 5 | KAJAL RN | Business / Customer payment | ₹60,000 | 2 | 4.9% | 41.1% |
| 6 | P2V | Business / Customer payment | ₹58,267 | 10 | 4.7% | 45.8% |
| 7 | NORTHERN ARC CAPTIAL L | Loan disbursement | ₹50,132 | 1 | 4.1% | 49.9% |
| 8 | AEPSCDREGISTERARARIATRTRI | BC / Money-transfer pass-through | ₹49,500 | 5 | 4.0% | 53.9% |
| 9 | UPMOVE C | Business / Customer payment | ₹39,524 | 2 | 3.2% | 57.1% |
| 10 | VIKRAM P | Business / Customer payment | ₹30,501 | 3 | 2.5% | 59.6% |
| 11 | MAHESH T | Business / Customer payment | ₹30,000 | 1 | 2.4% | 62.0% |
| 12 | EKOINDIA | Business / Customer payment | ₹27,516 | 5 | 2.2% | 64.2% |
| 13 | PAYBINGO | BC / Money-transfer pass-through | ₹23,500 | 6 | 1.9% | 66.1% |
| 14 | KAVITA D | Business / Customer payment | ₹22,971 | 10 | 1.9% | 68.0% |
| 15 | KAVITA DE | Business / Customer payment | ₹21,290 | 9 | 1.7% | 69.7% |
| 16 | SANJAY K | Business / Customer payment | ₹21,192 | 5 | 1.7% | 71.4% |
| 17 | MURARI S | Business / Customer payment | ₹20,500 | 2 | 1.7% | 73.1% |
| 18 | MS PATEL | Business / Customer payment | ₹20,000 | 1 | 1.6% | 74.7% |
| 19 | UMESH KU | Business / Customer payment | ₹20,000 | 4 | 1.6% | 76.3% |
| 20 | GOPAL KU | Business / Customer payment | ₹19,981 | 3 | 1.6% | 77.9% |
CTable 2 — Top Debtors (highest to lowest)
Every named counterparty who was paid, across all categories, ranked by amount. Capped at 20 rows or 80% of cumulative debit value, whichever is reached first.
| # | Name | Category | Amount (₹) | Txns | % of Debits | Cumulative % |
|---|---|---|---|---|---|---|
| 1 | ANNAPURN | Loan repayment / EMI | ₹135,757 | 52 | 11.0% | 11.0% |
| 2 | AEPSCWREGISTERARARIATRTRI | Cash withdrawal | ₹133,500 | 21 | 10.8% | 21.8% |
| 3 | BANK ACC | Peer / Friends transfer | ₹106,087 | 29 | 8.6% | 30.4% |
| 4 | UPIPMAFLOANMFI@YESPAYANNAPURNAFI | Loan repayment / EMI | ₹56,700 | 23 | 4.6% | 35.0% |
| 5 | MBK EMI | Loan repayment / EMI | ₹56,578 | 22 | 4.6% | 39.6% |
| 6 | RAMESH K | Self-transfer (own account) | ₹42,552 | 11 | 3.4% | 43.0% |
| 7 | SURESH K | Peer / Friends transfer | ₹42,073 | 11 | 3.4% | 46.4% |
| 8 | ASHFAQUE | Peer / Friends transfer | ₹41,000 | 1 | 3.3% | 49.7% |
| 9 | ROHAN KU | Peer / Friends transfer | ₹39,430 | 5 | 3.2% | 52.9% |
| 10 | CTRAZORPAY | Peer / Friends transfer | ₹38,090 | 5 | 3.1% | 56.0% |
| 11 | KAVITA DE | Peer / Friends transfer | ₹36,990 | 7 | 3.0% | 59.0% |
| 12 | ROHIT KU | Peer / Friends transfer | ₹35,290 | 6 | 2.9% | 61.9% |
| 13 | R P SAHU | Peer / Friends transfer | ₹31,600 | 1 | 2.6% | 64.5% |
| 14 | PAWAN KU | Peer / Friends transfer | ₹30,025 | 2 | 2.4% | 66.9% |
| 15 | ONE MOBI | Peer / Friends transfer | ₹20,035 | 1 | 1.6% | 68.5% |
| 16 | GEETA KR | Peer / Friends transfer | ₹20,000 | 1 | 1.6% | 70.1% |
| 17 | RITA DEVI | Peer / Friends transfer | ₹20,000 | 1 | 1.6% | 71.7% |
| 18 | UPIPA@FINOIFSC | Peer / Friends transfer | ₹19,900 | 1 | 1.6% | 73.3% |
| 19 | IRFAN AL | Peer / Friends transfer | ₹17,000 | 1 | 1.4% | 74.7% |
| 20 | SANJAY K | Peer / Friends transfer | ₹14,950 | 3 | 1.2% | 75.9% |