Business Money Map
Sample: Sharma General Store, kirana and wholesale in Jaipur. October 2026.
₹30,700 leaking every month
Money in, money out, and where it leaks, from your bank statement and GST returns.
Money in, October 2026
- Cash sales₹4,20,000
- UPI and card sales₹6,80,000
- Credit customers paid₹1,10,000
- Total in₹12,10,000
Money out
- Wholesalers and suppliers₹8,90,000
- Shop rent₹35,000
- Staff wages₹48,000
- Electricity₹9,000
- GST paid (GSTR-3B)₹48,600
- Shop loan EMI₹22,000
- Owner's drawings₹60,000
- Total out₹11,12,600
Net for the month₹97,400
Where it leaks: ₹30,700 a month
- Credit given, not collected for 60+ days₹14,000Fix: UPI reminders from the day book every Monday
- ITC stuck: 2 suppliers did not file₹7,000Fix: Chase them before the 3B, or switch supplier
- Expired stock written off₹6,000Fix: First in, first out on the shelf; monthly expiry check
- Cash short in the drawer₹2,500Fix: Close the day book every night
- Bank and SMS charges₹1,200Fix: Move to a current account plan that fits