Financial Command Centre
Real-time enterprise financial intelligence · Last updated 2 mins ago
₹7,240/g
▲ +₹48 (+0.67%)
₹6,637/g
▲ +₹44 (+0.67%)
₹85.2/g
▼ -₹0.8 (-0.93%)
₹2,940/g
▲ +₹12 (+0.41%)
₹72,400/10g
▲ +₹480
Total Revenue (MTD)
₹4.82Cr
Net Profit (MTD)
₹48.6L
Gold Inventory Value
₹18.4Cr
Outstanding Receivables
₹2.14Cr
Revenue vs Profit Trend
Last 8 months
Revenue
Profit
🤖 Financial Signals
7 active deviations
Margin Compression – Gold Pendants
Making charge margin compressed by 2.3% vs standard. 94 units affected.
42 min ago
Budget Variance – Chennai Branch
Operating expense 18% over budget. ₹3.2L excess in payroll.
2 hrs ago
Liquidity Forecast Alert
Cash may drop below threshold in 9 days.
4 hrs ago
Branch Performance
Mumbai HQ
₹2.12Cr
Delhi NCR
₹1.38Cr
Chennai
₹84.2L
Bangalore
₹47.8L
Treasury Position
Cash & Bank
₹3.84Cr
Bullion Holdings
₹6.42Cr
Pending Payables
₹1.28Cr
Scheme Liabilities
₹92.4L
Net Liquidity
₹8.98Cr
Recent Entries
| Description | Amount | Status |
|---|---|---|
| Bullion Purchase | ₹48.2L | Posted |
| Retail Sales | ₹12.4L | Posted |
| Vendor Payment | ₹8.6L | Pending |
| Scheme Inflow | ₹4.2L | Posted |
Product Requirements Document
SIONIQ Books v4.2 · Enterprise Financial Governance for Jewellery Businesses
10
Core Modules
48+
Features
6
Integrations
Live
Financial Data
1
Enterprise Ledger & Accounting Architecture
Configurable Financial Backbone
Configurable Chart of Accounts
Fully customizable account hierarchy aligned with jewellery business classifications.
Branch-Level Ledger Segmentation
Independent ledger books per branch with unified group view.
Cost & Profit Center Intelligence
Granular P&L tracking by department, product line, and operation type.
Inter-Entity Transaction Mapping
Automated elimination of intra-group transactions for consolidation.
Project-Based Financial Tracking
Track costs and revenues against specific design or manufacturing projects.
Consolidated Group Accounting
Multi-entity consolidation with minority interest and elimination entries.
2
Real-Time Financial Statements & Consolidation
Continuous Financial Health Monitoring
Live Profit & Loss
Real-time P&L at entity and consolidated level with drill-down to transactions.
Balance Sheet (Branch & Group)
Continuous balance sheet updates with asset, liability, and equity breakdown.
Trial Balance Drill-Down
Navigate from summary to individual journal entries in seconds.
Cash Flow Statements
Operating, investing, and financing cash flows with direct & indirect method.
Period-over-Period Comparison
Monthly, quarterly, yearly comparison with percentage deviation analysis.
Cost Center Analytics
Profitability heatmaps by cost center, department, and operational unit.
⚡ Recommended Advanced Additions
Features to strengthen the SIONIQ Books platform
Predictive Cash Flow Forecasting
ML-based 90-day cash projection using historical patterns and seasonal trends.
CFO Mobile Dashboard
Real-time mobile view of P&L, exposure, and approval queue for on-the-go decisions.
Bank Statement Auto-Reconciliation
AI-powered matching reducing manual reconciliation by 90%.
Implementation Roadmap
Phase 1 – Core Ledger & Financial Statements
Chart of accounts, journal entries, P&L, balance sheet
✅ Completed – Q1 2025
Phase 2 – Gold Inventory & Treasury Module
MCX integration, purity valuation, cash flow forecasting
✅ Completed – Q2 2025
Phase 3 – Margin Modeling & Budget Governance
Design-wise margins, gold sensitivity, incentive alignment, CAPEX, rolling forecast, variance alerts
✅ Completed – Q3 2025
Phase 4 – Ask Sio AI Layer + Advanced Analytics
ML forecasting (94% accuracy), NLQ engine, anomaly detection, cost ratio analytics, credit radar
✅ Completed – Q4 2025
Inventory › Product Definition › Ledgers
Royal Gold House
Address:8 Royal Street, Secunderabad
Contact:+91 96543 21098
GSTIN:36CCCCS9012F1ZC
Credit Limit:₹5,50,000
Account Summary
Opening Balance:₹0.00
Total Debit:₹4,30,000
Total Credit:₹1,75,000
Closing Balance:₹2,55,000 Dr
| # | Date ↕ | Voucher No ↕ | Type | Particulars | Debit (₹) ↕ | Credit (₹) ↕ | Balance | Ref No | Action |
|---|
Financial Statements
Real-time P&L, Balance Sheet, and Cash Flow
Profit & Loss Statement
March 2025 (MTD)
Revenue
Retail Sales
₹3,62,00,000
Wholesale Revenue
₹84,20,000
Making Charges
₹36,00,000
Total Revenue
₹4,82,20,000
COGS
Gold Material Cost
₹2,84,00,000
Stone & Setting
₹42,40,000
Karigar / Labour
₹28,20,000
Gross Profit
₹1,27,60,000
Operating Expenses
Salaries & Benefits
₹42,80,000
Rent & Facilities
₹18,40,000
Marketing & Events
₹8,20,000
Other Overheads
₹9,40,000
Net Profit (PAT)
₹48,80,000
Net Margin: 10.1%
Balance Sheet Summary
As of 09 Mar 2025
Assets
Fixed Assets (Net)
₹4,82,00,000
Gold & Jewellery Inventory
₹18,42,40,000
Trade Receivables
₹2,14,00,000
Cash & Bank
₹3,83,00,000
Total Assets
₹29,21,40,000
Liabilities & Equity
Share Capital
₹5,00,00,000
Reserves & Surplus
₹20,00,80,000
Long-term Debt
₹2,20,00,000
Current Liabilities
₹2,00,60,000
Total Liabilities
₹29,21,40,000
Key Financial Ratios
Current Ratio
2.84x
Gross Profit Margin
26.4%
Net Profit Margin
10.1%
Inventory Turnover
3.2x / yr
Debt-to-Equity Ratio
0.09x
Gold & Inventory Valuation
Purity-based valuation · MCX rate integration · Aging analysis
Gold 24K Value
₹6.42Cr
Finished Jewellery
₹12.00Cr
Slow Moving Items
148
Total Inventory Value
₹18.42Cr
Inventory Register
| Item Code | Description | Purity | Gross Wt (g) | Net Wt (g) | Rate/g | Value (₹) | Branch | Aging | Actions |
|---|---|---|---|---|---|---|---|---|---|
| INV-1001 | Gold Bullion Bar – 100g | 24K | 100.00 | 100.00 | ₹7,240 | ₹7,24,000 | Mumbai HQ | 3 days | |
| INV-1024 | Bridal Necklace Set | 22K | 82.40 | 78.20 | ₹6,637 | ₹5,18,963 | Delhi NCR | 45 days | |
| INV-1089 | Diamond Bangles Pair | 18K | 24.60 | 22.10 | ₹5,430 | ₹1,20,003 | Chennai | 95 days | |
| INV-1102 | Gold Coins – 8g | 24K | 8.00 | 8.00 | ₹7,240 | ₹57,920 | Bangalore | 1 day |
Margin Modeling & Contribution Intelligence
Design-wise contribution · Making charge deviation · Batch cost analysis · Gold sensitivity · Incentive alignment
Avg. Gross Margin
26.4%
Compressed Designs
12
Making Charge Revenue
₹36L
High-Ticket (₹5L+)
24 units
Margin Distribution by Category
28.4%
Necklace
24.7%
Rings
17.1%
Bangles
14.2%
Earrings
8.0%
Pendants
⚠️ Minimum threshold: 10% — Pendants category below threshold
Making Charge Deviation Tracker
Gold Necklace – Traditional+1.2% above standard
Bridal Bangles – 22K-0.8% below standard
Gold Pendant Set-2.3% below standard
Diamond Ring Solitaire+3.1% above standard
⚠️ 94 units sold below standard making charge rate this month. Revenue impact: ₹2.8L
Design-wise Contribution Margin
| Design Code | Description | Category | Metal Cost | Stone Cost | Labour | Making Charge | Selling Price | Contribution | Margin% | Status | Actions |
|---|---|---|---|---|---|---|---|---|---|---|---|
| DSN-001 | Gold Necklace – Traditional | Necklace | ₹2,89,600 | – | ₹18,000 | ₹43,200 | ₹3,80,000 | ₹1,08,400 | 28.5% | Healthy | |
| DSN-024 | Gold Pendant Set | Pendant | ₹84,200 | ₹4,200 | ₹5,400 | ₹9,600 | ₹1,02,000 | ₹8,200 | 8.0% | Compressed | |
| DSN-045 | Bridal Bangles – 22K | Bangles | ₹4,12,800 | – | ₹28,000 | ₹68,400 | ₹5,80,000 | ₹99,200 | 17.1% | Monitor | |
| DSN-067 | Diamond Ring Solitaire | Rings | ₹1,82,000 | ₹42,000 | ₹8,400 | ₹28,800 | ₹2,80,000 | ₹56,000 | 20.0% | Healthy | |
| DSN-089 | Kundan Earrings | Earrings | ₹48,200 | ₹12,400 | ₹6,200 | ₹8,400 | ₹82,000 | ₹15,200 | 18.5% | Monitor | |
| DSN-102 | Polki Necklace Set | Necklace | ₹8,24,000 | ₹1,42,000 | ₹48,000 | ₹1,12,000 | ₹12,80,000 | ₹3,26,000 | 25.5% | Healthy |
Manufacturing Batch Cost vs Standard
Job order costing with actual vs standard variance per batch
| Batch No. | Design | Qty | Std. Cost/unit | Actual Cost/unit | Variance | Total Impact | Status | Actions |
|---|---|---|---|---|---|---|---|---|
| BCH-2025-042 | Gold Necklace – Traditional | 24 pcs | ₹3,10,800 | ₹3,08,200 | -₹2,600 (0.8% better) | +₹62,400 savings | Closed | |
| BCH-2025-041 | Bridal Bangles | 12 pcs | ₹5,09,200 | ₹5,38,400 | +₹29,200 (5.7% over) | -₹3,50,400 overrun | Over Budget | |
| BCH-2025-040 | Diamond Ring Solitaire | 18 pcs | ₹2,61,200 | ₹2,58,800 | -₹2,400 (0.9% better) | +₹43,200 savings | Closed | |
| BCH-2025-039 | Gold Pendant Set | 48 pcs | ₹1,03,400 | ₹1,11,800 | +₹8,400 (8.1% over) | -₹4,03,200 overrun | In Progress |
Labour Cost Breakdown
Karigar – Senior (12 artisans)
₹8,40,000
Karigar – Junior (24 artisans)
₹6,72,000
Setting & Finishing
₹2,84,000
Quality Check & Hallmarking
₹84,000
Total Labour (MTD)
₹18,80,000
Refinement & Recovery
Gross Metal Input
₹4,82,400g
Recovery after Refining
₹4,74,200g
Metal Loss (1.7%)
₹8,200g
Refining Charges
₹2,42,000
Recovery Ratio
98.3%
Gold Price Sensitivity – P&L Impact Modeling
Scenario: P&L impact per ₹100 change in gold rate (24K)
| Scenario | Rate Change | New Rate (₹/g) | Inventory Value Change | P&L Impact | Net Margin Impact |
|---|
Hedge Recommendation
Gold Rate Sensitivity: HIGH
A ₹500/g drop in gold rate would reduce inventory value by ₹12.71Cr and compress net margin by 2.6%. Consider hedging 40-50% of open bullion position via MCX futures.
Recommended hedge: 127 kg @ current MCX rate
Current Hedge Position: Partial
65 kg of gold currently hedged via MCX contracts. Coverage: 25.6% of total open position. Suggested to increase to 50% coverage.
Next expiry: 28 Mar 2025
Incentive-to-Profit Alignment
Staff incentives vs gross profit generated by each salesperson
| Salesperson | Branch | Units Sold | Gross Sales | Gross Profit Generated | GP Margin% | Incentive Earned | Incentive as % of GP | Alignment |
|---|---|---|---|---|---|---|---|---|
| Arjun Sharma | Mumbai HQ | 48 | ₹28,40,000 | ₹8,12,000 | 28.6% | ₹84,000 | 10.3% | ✅ Aligned |
| Sunita Rao | Delhi NCR | 32 | ₹14,20,000 | ₹2,84,000 | 20.0% | ₹1,12,000 | 39.4% | ⚠️ Misaligned |
| Pradeep Gupta | Chennai | 18 | ₹9,80,000 | ₹2,18,000 | 22.2% | ₹48,000 | 22.0% | 🟡 Review |
| Kavitha Nair | Bangalore | 64 | ₹38,40,000 | ₹11,42,000 | 29.7% | ₹96,000 | 8.4% | ✅ Aligned |
⚠️ Sunita Rao – Delhi NCR: Incentive payout is 39.4% of gross profit generated — significantly above the recommended 15% threshold. The sales mix included 18 pendant sets (8% margin). Recommend reviewing incentive structure to reward high-margin product sales.
Wholesale Pricing Sensitivity
Margin impact modeling for different wholesale discount structures
| Discount% | Discounted Price | Revenue | Gross Profit | Margin% | Feasible? |
|---|
Budget & Variance Governance
Branch budgets · Departmental allocation · CAPEX planning · Automated variance detection · Rolling 12-month forecast
Total Budget (MTD)
₹4.50Cr
Actual Spend
₹4.34Cr
Variance (Favourable)
₹16L
Overrun Branches
1
Branch Budget vs Actual – March 2025
| Branch | Budget | Actual | Variance (₹) | Variance% | Alert Threshold | Status | Actions |
|---|---|---|---|---|---|---|---|
| Mumbai HQ | ₹2,00,00,000 | ₹1,94,20,000 | -₹5,80,000 | 2.9% under | 10% | On Track | |
| Delhi NCR | ₹1,20,00,000 | ₹1,18,40,000 | -₹1,60,000 | 1.3% under | 10% | On Track | |
| Chennai | ₹80,00,000 | ₹94,40,000 | +₹14,40,000 | 18.0% over ⚠️ | 10% | Overrun | |
| Bangalore | ₹50,00,000 | ₹47,20,000 | -₹2,80,000 | 5.6% under | 10% | On Track |
Budget Utilisation – Visual
Mumbai HQ97.1% utilized
Delhi NCR98.7% utilized
Chennai118% utilized ⚠️
Bangalore94.4% utilized
Chennai Overrun – Drill Down
Payroll – Over Budget
+₹3,20,000
Rent – Market Rate Increase
+₹4,80,000
Marketing – Event Cost
+₹2,40,000
Miscellaneous Overheads
+₹4,00,000
Total Overrun
₹14,40,000
Departmental Expense Allocation – FY 2025-26
| Department | Cost Center | Annual Budget | Q1 Allocation | Q1 Actual | Remaining | Status |
|---|---|---|---|---|---|---|
| Finance | CC-004 Admin | ₹60,00,000 | ₹15,00,000 | ₹13,84,000 | ₹1,16,000 | On Track |
| Retail Operations | CC-001 Retail | ₹3,00,00,000 | ₹75,00,000 | ₹78,40,000 | -₹3,40,000 | Slight Overrun |
| Manufacturing | CC-003 Mfg | ₹80,00,000 | ₹20,00,000 | ₹18,60,000 | ₹1,40,000 | On Track |
| Marketing | CC-001 Retail | ₹40,00,000 | ₹10,00,000 | ₹12,40,000 | -₹2,40,000 | Overspent |
| IT & Systems | CC-004 Admin | ₹15,00,000 | ₹3,75,000 | ₹3,20,000 | ₹55,000 | On Track |
Capital Expenditure Plan – FY 2025-26
| Asset | Category | Branch | Budget | Committed | Actual Spend | Commissioning | Depreciation/yr | Status |
|---|---|---|---|---|---|---|---|---|
| Display Counter Renovation | Fixtures & Fittings | Mumbai HQ | ₹12,00,000 | ₹11,80,000 | ₹8,40,000 | Apr 2025 | ₹1,20,000 | In Progress |
| CCTV & Security Upgrade | Security Equipment | All Branches | ₹8,50,000 | ₹8,50,000 | ₹8,50,000 | Mar 2025 | ₹1,70,000 | Commissioned |
| Gold Testing Machine | Lab Equipment | Delhi NCR | ₹3,20,000 | ₹3,20,000 | ₹3,20,000 | Feb 2025 | ₹64,000 | Commissioned |
| Showroom Expansion | Civil Work | Bangalore | ₹45,00,000 | ₹12,00,000 | ₹0 | Jun 2025 | ₹4,50,000 | Planned |
Payroll & Incentive Projections
Salary, incentive, and bonus projections vs actuals
| Branch | Headcount | Budgeted Salary | Actual Salary | Incentive Budget | Incentive Actual | Total Payroll | Variance |
|---|---|---|---|---|---|---|---|
| Mumbai HQ | 48 | ₹28,40,000 | ₹29,20,000 | ₹4,80,000 | ₹5,20,000 | ₹34,40,000 | +₹2,00,000 |
| Delhi NCR | 32 | ₹18,40,000 | ₹18,00,000 | ₹3,20,000 | ₹2,80,000 | ₹20,80,000 | -₹80,000 |
| Chennai | 28 | ₹12,80,000 | ₹16,00,000 | ₹2,40,000 | ₹1,80,000 | ₹17,80,000 | +₹4,60,000 |
| Bangalore | 22 | ₹9,60,000 | ₹9,40,000 | ₹1,92,000 | ₹2,40,000 | ₹11,80,000 | +₹28,000 |
| Total | 130 | ₹69,20,000 | ₹72,60,000 | ₹12,32,000 | ₹12,20,000 | ₹84,80,000 | +₹6,08,000 |
Rolling 12-Month Forecast Engine
Auto-updated with actuals every month. Current period: Apr 2025 – Mar 2026
| Month | Revenue Forecast | COGS Forecast | Opex Forecast | Net Profit Forecast | Margin% | Actuals Available |
|---|---|---|---|---|---|---|
| Apr 2025 | ₹4,20,00,000 | ₹2,94,00,000 | ₹84,00,000 | ₹42,00,000 | 10.0% | Posted |
| May 2025 | ₹3,80,00,000 | ₹2,66,00,000 | ₹76,00,000 | ₹38,00,000 | 10.0% | Posted |
| Jun 2025 (Wedding) | ₹5,40,00,000 | ₹3,51,00,000 | ₹86,40,000 | ₹1,02,60,000 | 19.0% | Forecast |
| Jul 2025 | ₹3,60,00,000 | ₹2,52,00,000 | ₹72,00,000 | ₹36,00,000 | 10.0% | Forecast |
| Oct 2025 (Diwali) | ₹8,40,00,000 | ₹5,46,00,000 | ₹1,17,60,000 | ₹1,76,40,000 | 21.0% | Forecast |
| Nov 2025 | ₹4,80,00,000 | ₹3,36,00,000 | ₹96,00,000 | ₹48,00,000 | 10.0% | Forecast |
| Feb 2026 (Wedding) | ₹6,20,00,000 | ₹4,03,00,000 | ₹99,20,000 | ₹1,17,80,000 | 19.0% | Forecast |
| Mar 2026 | ₹5,00,00,000 | ₹3,50,00,000 | ₹1,00,00,000 | ₹50,00,000 | 10.0% | Forecast |
| FY 2025-26 Total | ₹58,20,00,000 | ₹39,48,00,000 | ₹10,26,00,000 | ₹8,46,00,000 | 14.5% | — |
Automated Variance Alerts
3 active variance breaches
Chennai Branch – Operating Expense 18% over budget
₹14.4L excess spend vs allocated budget. Primary drivers: payroll (+₹3.2L), rent increase (+₹4.8L), event costs (+₹2.4L). Requires CFO review and budget revision or cost control action.
🕐 Triggered: 09 Mar 2025, 09:00 · High Priority
Retail Operations – Marketing spend 24% over Q1 budget
₹2.4L above allocation. Seasonal event and digital ad campaigns exceeded planned spend. Recommend reviewing Q2 allocation.
🕐 Triggered: 07 Mar 2025 · Medium Priority
Mumbai HQ – Payroll 7% over budget
₹2L over allocation primarily due to new hire onboarding costs and revised incentive payout. Within 10% threshold but approaching limit.
🕐 Triggered: 05 Mar 2025 · Medium Priority
Manufacturing – Cost savings vs budget
Manufacturing dept. achieved ₹1.4L savings vs budget through refined karigar rates. Well within 10% threshold.
🕐 Positive deviation · 08 Mar 2025
Variance Alert Configuration
Treasury & Liquidity Intelligence
Cash forecasting · Bank reconciliation · Maker-checker payments
Cash & Bank
₹3.84Cr
Bullion Holdings
₹6.42Cr
Pending Payables
₹1.28Cr
Scheme Liabilities
₹92.4L
Bank Accounts
| Bank | Account | Balance | Last Sync |
|---|---|---|---|
| HDFC Bank | Current A/c ****4821 | ₹2,42,80,000 | Today |
| SBI | OD A/c ****2910 | ₹88,40,000 | Today |
| Axis Bank | Current A/c ****3384 | ₹52,80,000 | Yesterday |
Pending Approvals
| Reference | Payee | Amount | Action |
|---|---|---|---|
| PAY-2025-0124 | Karigar – Suresh | ₹4,80,000 | |
| PAY-2025-0125 | MCX Gold Settlement | ₹48,24,000 |
Credit & Exposure Monitoring
3 critical alerts · Enterprise-wide risk visibility
Total Receivables
₹2.14Cr
Bullion Open Position
₹6.42Cr
Scheme Redemption
₹92.4L
Credit Utilization
68%
Wholesale Receivable Aging
| Party Name | Credit Limit | Outstanding | 0–30 Days | 31–60 Days | 60+ Days | Risk | Action |
|---|---|---|---|---|---|---|---|
| Mehta Jewellers, Surat | ₹50L | ₹48.2L | ₹18.4L | ₹14.2L | ₹15.6L | ⚠️ High | |
| Raj Gems, Mumbai | ₹30L | ₹22.8L | ₹22.8L | – | – | ✅ Low | |
| Gold Palace, Delhi | ₹40L | ₹38.6L | ₹8.2L | ₹18.4L | ₹12.0L | ⚠️ High | |
| Sharma Ornaments | ₹20L | ₹14.2L | ₹10.2L | ₹4.0L | – | 🟡 Medium | |
| Luxe Jewels, Bangalore | ₹60L | ₹30.4L | ₹30.4L | – | – | ✅ Low |
Audit Governance & Internal Controls
Maker-checker discipline · Role-based access · Timestamped audit trail
Entries Approved Today
142
Pending Approvals
8
Override Alerts
2
Audit Trail Log
| Timestamp | User | Action | Module | Reference | IP Address | Status |
|---|---|---|---|---|---|---|
| 09 Mar 2025, 14:42 | Rajan Mehta (Manager) | Approved Journal Entry | Ledger | JV-2025-0842 | 192.168.1.42 | Approved |
| 09 Mar 2025, 14:38 | Priya Singh (Accountant) | Created Journal Entry | Ledger | JV-2025-0842 | 192.168.1.28 | Created |
| 09 Mar 2025, 13:22 | Sioniq Admin | Override – Threshold Breach | Treasury | PAY-2025-0124 | 192.168.1.10 | Override |
| 09 Mar 2025, 12:10 | Vikram Nair (CFO) | Approved Payment ₹22.84L | Treasury | PAY-2025-0123 | 192.168.1.5 | Approved |
| 09 Mar 2025, 11:48 | Anita Kumar (Accountant) | Modified Inventory Entry | Inventory | INV-2025-0384 | 192.168.1.32 | Modified |
Group Consolidation Framework
Multi-entity reporting · Inter-company eliminations · Group P&L
Entities
4
Group Revenue
₹4.82Cr
Interco Eliminations
₹14.2L
Pending Eliminations
3
🌐 Group Consolidation module — planned for Phase 4 (Q4 2025).
Will support multi-entity reporting, inter-company eliminations, minority interest, and Group P&L.
Will support multi-entity reporting, inter-company eliminations, minority interest, and Group P&L.
🤖 Ask Sio – Financial Signal Intelligence
ML-powered anomaly detection · Predictive cash forecasting · Natural language queries · Cost ratio analytics · Credit aging radar
Phase 4 – Fully Activated
ML forecasting · Anomaly detection · NLQ · Predictive cash flow · Credit acceleration radar
7
Active Signals
3
Critical Alerts
90d
Forecast Horizon
94%
Model Accuracy
🗣️ Natural Language Query Engine
Ask any financial question in plain English or Hindi
🤖
Sio: Hello! I'm Sio, your AI financial analyst. Ask me anything about SIONIQ Books data.
Try: "Which branch had the highest margin last week?" or "Show me overdue receivables above ₹10L" or "What is our cash runway?"
Try: "Which branch had the highest margin last week?" or "Show me overdue receivables above ₹10L" or "What is our cash runway?"
📊 Sio Insights Panel
Auto-generated at midnight daily
TODAY'S FINANCIAL HEALTH SCORE
82
Good Financial Health
Revenue on track · Liquidity adequate · 1 overrun branch
KEY FINDINGS
🔴Chennai operating expense overrun requires CFO-level intervention. ₹14.4L excess.
🟡Pendant category margin at 8% — below 10% threshold across 94 units.
🟢Bangalore revenue 12% above target — bridal season performing well.
🔵Gold rate up 4.3% MoM — inventory revaluation gain of ₹58.2L unrealised.
Active Financial Signals
7 deviations detected · ML confidence scores shown
Margin Compression – Gold Pendants
Confidence: 97%Making charge margin compressed by 2.3% vs standard. 94 units affected across Mumbai & Delhi. Pattern detected over 6 consecutive days — not a one-time event.
🕐 42 min ago · High Priority
Budget Overrun – Chennai Branch
Confidence: 99%Operating expense 18% over budget. ₹3.2L excess in payroll, ₹4.8L rent increase. Third month of consecutive overruns — suggest budget revision.
🕐 2 hrs ago · Medium Priority
Liquidity Forecast Warning
Confidence: 84%ML model predicts cash position will drop below ₹50L threshold on Day 9 of next month. Key outflows: MCX settlement ₹48.2L + Karigar payroll ₹18.8L.
🕐 4 hrs ago · Medium Priority
Receivable Aging Acceleration – Mehta Jewellers
Confidence: 91%₹15.6L in the 60+ day bucket. Payment velocity has slowed — average days to pay increased from 38 to 62 days over last 3 months. Risk of bad debt rising.
🕐 1 day ago · Medium Priority
Revenue Target Exceeded – Bangalore
Confidence: 99%Bangalore branch exceeded March target by 12%. Bridal collection driving strong performance. Margin at 17.6% — best in network for this period.
🕐 2 days ago · Positive Signal
🔮 Predictive Cash Flow – 90-Day ML Forecast
Historical patterns · Seasonal demand · Festival cycles · Receivable velocity · Model accuracy: 94%
| Period | Opening Balance | Expected Inflows | Expected Outflows | Projected Closing | Threshold | Risk |
|---|---|---|---|---|---|---|
| Week 1 (10–16 Mar) | ₹3,83,00,000 | ₹84,20,000 | ₹48,24,000 | ₹4,18,96,000 | ₹50,00,000 | Safe |
| Week 2 (17–23 Mar) | ₹4,18,96,000 | ₹42,40,000 | ₹1,24,80,000 | ₹3,36,56,000 | ₹50,00,000 | Safe |
| Week 3 (24–30 Mar) | ₹3,36,56,000 | ₹28,80,000 | ₹3,14,40,000 | ₹51,16,000 | ₹50,00,000 | ⚠️ Near Threshold |
| Week 4 (31 Mar–6 Apr) | ₹51,16,000 | ₹1,42,80,000 | ₹84,20,000 | ₹1,09,76,000 | ₹50,00,000 | Safe |
| Apr 2025 Total | ₹1,09,76,000 | ₹4,20,00,000 | ₹3,78,00,000 | ₹1,51,76,000 | ₹50,00,000 | Safe |
| May 2025 Total | ₹1,51,76,000 | ₹3,80,00,000 | ₹3,42,00,000 | ₹1,89,76,000 | ₹50,00,000 | Safe |
Inflow Assumptions (ML-derived)
Retail Collections (daily avg)
₹14.2L/day
Wholesale Receivable Collections
₹28.4L/week
Scheme Instalments
₹4.8L/week
Festival Spike (end of month)
+28% projected
Gold Liquidation (if needed)
₹6.42Cr available
Outflow Assumptions
MCX Settlements (pending)
₹48.2L
Karigar Payroll (end of month)
₹18.8L
Vendor Payments (scheduled)
₹28.4L
Salary Disbursements
₹72.6L
Tax & Statutory Payments
₹12.4L
🔬 ML Anomaly Detection Engine
Continuous pattern monitoring · Baseline deviation alerts · Unusual transaction flagging
3
Critical Anomalies
5
Warnings
142
Normal Transactions
94%
Model Accuracy
Unusual Entry: JV-2025-0838 – Salary 2.8x Standard
Salary disbursement of ₹22.84L recorded for All Branches — 2.8x the historical monthly average of ₹8.15L. ML model flagged as statistical outlier (Z-score: 3.2). Possible one-time bonus or duplicate entry. Requires review.
Risk Score: 8.4/10 · Flagged by ML: 09 Mar 2025
Cost Ratio Spike: Making Charges / Revenue – Chennai
Making charge-to-revenue ratio jumped from baseline 8.2% to 14.8% in March. Statistically significant deviation — likely due to discounting on bulk sale or misclassified free-making promotion. Impact: ₹5.4L revenue leakage.
Risk Score: 7.9/10 · Flagged: 08 Mar 2025
Gold Purchase Volume Anomaly – 3 consecutive days above norm
Gold bullion purchases exceeded daily norm by 40-60% on 07, 08, 09 Mar. Total excess purchase: 1.8 kg. Correlated with MCX rate dip. May indicate opportunistic buying — confirm authorisation.
Risk Score: 5.2/10 · Requires confirmation
Anomaly Detection Rules Configuration
📊 Cost Ratio Analytics – Baseline vs Actual
ML-derived historical baseline comparison · Unusual pattern detection
| Cost Ratio | Historical Baseline | Current Month | Deviation | Trend | Risk |
|---|---|---|---|---|---|
| COGS / Revenue | 59.2% | 59.0% | -0.2% (Normal) | 📊 Stable | Low |
| Making Charge / Revenue | 7.8% | 9.4% | +1.6% ⚠️ (Elevated) | 📈 Rising | High |
| Salary / Revenue | 12.4% | 15.1% | +2.7% ⚠️ (Elevated) | 📈 Rising | High |
| Rent / Revenue | 3.8% | 3.9% | +0.1% (Normal) | 📊 Stable | Low |
| Marketing / Revenue | 1.6% | 2.4% | +0.8% (Elevated) | 📈 Rising | Medium |
| Labour (Karigar) / COGS | 9.8% | 9.9% | +0.1% (Normal) | 📊 Stable | Low |
| Stone Cost / COGS | 14.2% | 14.9% | +0.7% (Watch) | 📈 Slight Rise | Monitor |
| Overheads / Revenue | 4.2% | 4.8% | +0.6% (Watch) | 📈 Slight Rise | Monitor |
Sio's Cost Ratio Interpretation
Salary-to-Revenue ratio rising — structural concern
At 15.1%, the salary ratio has been rising for 3 consecutive months (was 12.4% in Q3 FY25). This suggests revenue is not keeping pace with headcount growth — or new hires haven't reached full productivity. Recommend headcount efficiency review.
Making Charge Revenue leakage detected
Making charge rate as % of revenue at 9.4% vs 7.8% baseline. Indicates either price compression on making charges or higher-labour designs being sold at standard rates. Recommend audit of sales team's making charge application.
⚡ Credit Aging Acceleration Radar
ML detects receivables showing accelerated aging or concentration risk
| Party | Outstanding | Avg Days (3m ago) | Avg Days (Now) | Acceleration | Predicted Default Risk | Exposure % | Action |
|---|---|---|---|---|---|---|---|
| Mehta Jewellers, Surat | ₹48.2L | 38 days | 62 days | +24 days ⚠️ | 72% |
22.5% | |
| Gold Palace, Delhi | ₹38.6L | 42 days | 58 days | +16 days | 54% |
18.0% | |
| Sharma Ornaments | ₹14.2L | 28 days | 32 days | +4 days (Stable) | 22% |
6.6% | |
| Raj Gems, Mumbai | ₹22.8L | 25 days | 24 days | -1 day (Improving) | 8% |
10.7% | ✅ Healthy |
Concentration Risk Analysis
⚠️ Concentration Alert: Top 2 parties (Mehta Jewellers + Gold Palace) represent 40.5% of total receivables. Industry best practice recommends no single party exceeding 20%. Sio recommends setting hard credit exposure limits.
Total Receivables
₹2,14,00,000
Top 1 Party Exposure (Mehta)
22.5%
Top 2 Party Exposure
40.5%
60+ Day Bucket
₹27.6L (12.9%)
Sio Predicted Collectible
₹1,96,00,000 (91.6%)
Master Configuration
Chart of Accounts · Branch Master · Vendor Master · Employee Master · Cost Center Master
Branch Master
| Branch Code | Branch Name | City | State | GSTIN | Manager | Status | Actions |
|---|---|---|---|---|---|---|---|
| BR-001 | Mumbai HQ | Mumbai | Maharashtra | 27AABCS1429B1ZB | Vikram Nair | Active | |
| BR-002 | Delhi NCR | New Delhi | Delhi | 07AABCS1429B2ZC | Rajan Mehta | Active | |
| BR-003 | Chennai | Chennai | Tamil Nadu | 33AABCS1429B3ZD | Suresh Kumar | Active | |
| BR-004 | Bangalore | Bangalore | Karnataka | 29AABCS1429B4ZE | Priya Rao | Active |
Vendor Master
| Vendor Code | Vendor Name | Category | GSTIN | Credit Limit | Payment Terms | Status | Actions |
|---|---|---|---|---|---|---|---|
| VEN-001 | Rajmal Lakhichand – Bullion | Bullion Supplier | 27AAACR1234A1Z5 | ₹2,00,00,000 | Net 30 | Active | |
| VEN-002 | Mehta Stone Works | Diamond & Stones | 06AAABM5678B2Z3 | ₹50,00,000 | Net 45 | Active | |
| VEN-003 | Karigar Group – Artisans | Labour / Karigar | – | ₹10,00,000 | Net 15 | Active | |
| VEN-004 | Packaging World Pvt. Ltd. | Packaging | 29AAACP9012C3Z1 | ₹5,00,000 | Net 30 | On Hold |
Employee Master
| Emp. ID | Name | Designation | Branch | Dept. | Joining Date | Salary | Status | Actions |
|---|---|---|---|---|---|---|---|---|
| EMP-001 | Vikram Nair | CFO | Mumbai HQ | Finance | 01 Apr 2022 | ₹3,20,000/mo | Active | |
| EMP-002 | Rajan Mehta | Branch Manager | Delhi NCR | Operations | 15 Jun 2021 | ₹1,80,000/mo | Active | |
| EMP-003 | Priya Singh | Sr. Accountant | Mumbai HQ | Finance | 10 Jan 2023 | ₹85,000/mo | Active | |
| EMP-004 | Anita Kumar | Accountant | Chennai | Finance | 20 Mar 2022 | ₹68,000/mo | Inactive |
Cost Center Master
| Code | Name | Type | Parent | Budget (Annual) | Status | Actions |
|---|---|---|---|---|---|---|
| CC-001 | Retail Operations | Profit Center | – | ₹3,00,00,000 | Active | |
| CC-002 | Wholesale Division | Profit Center | – | ₹1,50,00,000 | Active | |
| CC-003 | Manufacturing | Cost Center | – | ₹80,00,000 | Active | |
| CC-004 | Administration | Cost Center | – | ₹60,00,000 | Active |
Customer Master
| Cust. Code | Name | Type | GSTIN | Credit Limit | Outstanding | Status | Actions |
|---|---|---|---|---|---|---|---|
| CUST-001 | Mehta Jewellers, Surat | Wholesale | 24AAACM1234B1Z8 | ₹50,00,000 | ₹48,20,000 | Over Limit | |
| CUST-002 | Raj Gems, Mumbai | Wholesale | 27AAACRG123C2Z3 | ₹30,00,000 | ₹22,80,000 | Active | |
| CUST-003 | Walk-in Retail | Retail | – | ₹0 | ₹0 | Active |
Tax Code Master
| Code | Description | CGST % | SGST % | IGST % | Applicable On | Status | Actions |
|---|---|---|---|---|---|---|---|
| GST-3 | GST 3% – Jewellery | 1.5% | 1.5% | 3% | Gold & Silver Jewellery | Active | |
| GST-5 | GST 5% – Making Charges | 2.5% | 2.5% | 5% | Making Charges | Active | |
| GST-18 | GST 18% – Services | 9% | 9% | 18% | Services & Software | Active | |
| EXEMPT | GST Exempt | 0% | 0% | 0% | Bullion (Investment Grade) | Active |
Settings & Configuration
System preferences, user management, and enterprise configuration
Company Profile
User Management
| User | Role | Branch | Status | Actions |
|---|---|---|---|---|
| Sioniq Admin | Super Admin | All Branches | Active | |
| Vikram Nair | CFO | Mumbai HQ | Active | |
| Rajan Mehta | Branch Manager | Delhi NCR | Active | |
| Priya Singh | Accountant | Mumbai HQ | Active | |
| Anita Kumar | Accountant | Chennai | Inactive |
Approval Workflow Settings
Notifications & Alerts
Integrations
Connect SIONIQ Books with external platforms and services
📊
Tally ERP
Sync master data and transactions
Connected🏛️
GST Portal
Auto-file GSTR-1, GSTR-3B
Connected📈
MCX Feed
Live gold/silver rate integration
Live👥
HRMS
Employee & payroll sync
Pending Setup🏦
Bank API
Auto bank statement reconciliation
Partial🛍️
POS / Retail
Real-time sales data from retail POS
ConnectedGST Reports — Jeweller's Compliance Centre
All mandatory GSTN filings, ITC reconciliation & jewellery-specific returns · FY 2025–26
Output GST (Sales)
₹18.42L
ITC Available (Purchase)
₹11.64L
Net GST Payable
₹6.78L
Reconciliation Gaps
₹1.12L
E-Invoice Count
2,481
📌 Jewellery GST Rate Structure
3% — Gold / Silver Jewellery & Bullion
5% — Labour / Making Charges (Job-work)
3% — Precious Stones (Diamonds, Rubies)
12% — Imitation Jewellery
18% — Safes / Equipment
ITC on gold purchases is fully eligible
GSTR-1 — Outward Supplies (Sales Register)
B2B, B2C, exports, SEZ & NIL-rated supplies · Mar 2026 · Due: 11-Apr-2026
Draft
B2B Invoices
187
₹8.24Cr taxable
B2C Large (>₹2.5L)
43
₹1.84Cr taxable
B2CS Small
2,251
₹2.18Cr taxable
Export / SEZ
12
₹0.42Cr — Zero-rated
| Invoice No. | Date | Party / GSTIN | Type | HSN | Taxable Amt | Rate | CGST | SGST | IGST | Total | IRN |
|---|---|---|---|---|---|---|---|---|---|---|---|
| INV-2026-0524 | 24-Mar-26 | Tanishq Gold Pvt Ltd 27AABCT1332L1Z5 | B2B | 7113 | ₹31,08,000 | 3% | ₹46,620 | ₹46,620 | ₹0 | ₹32,01,240 | ✓ IRN |
| INV-2026-0523 | 23-Mar-26 | Walk-in Retail | B2CS | 7113 | ₹2,48,000 | 3% | ₹3,720 | ₹3,720 | ₹0 | ₹2,55,440 | ✓ IRN |
| INV-2026-0522 | 22-Mar-26 | Malabar Gems Ltd 29AABCM2344F1ZW | B2B | 7108 | ₹18,40,000 | 3% | ₹27,600 | ₹27,600 | ₹0 | ₹18,95,200 | ✓ IRN |
| INV-2026-0521 | 22-Mar-26 | Gem House Intl (Export) | EXPWP | 7102 | ₹9,84,000 | 0% | ₹0 | ₹0 | ₹0 | ₹9,84,000 | Pending |
| INV-2026-0520 | 21-Mar-26 | Rajasthan Gems Pvt Ltd 27AABCR5678J1ZN | B2B | 7103 | ₹5,24,000 | 3% | ₹7,860 | ₹7,860 | ₹0 | ₹5,39,720 | ✓ IRN |
| INV-2026-0519 | 20-Mar-26 | Walk-in (Large) | B2CL | 7117 | ₹3,80,000 | 12% | ₹22,800 | ₹22,800 | ₹0 | ₹4,25,600 | ✓ IRN |
Credit & Debit Notes (CDNR / CDNUR)
Amendments & adjustments under GSTR-1
| Note No. | Date | Against Invoice | Party | Type | Reason | Taxable Amt | GST Amt | Action |
|---|---|---|---|---|---|---|---|---|
| CDN-026-001 | 12-Mar-26 | INV-2026-0189 | Tanishq Gold Pvt Ltd | Debit Note | Short billing | ₹42,000 | ₹1,260 | |
| CDN-026-002 | 18-Mar-26 | INV-2026-0204 | Retail Walk-in | Credit Note | Return of gold chain | ₹68,000 | ₹2,040 | |
| CDN-026-003 | 24-Mar-26 | INV-2026-0218 | Malabar Gems Ltd | Credit Note | Rate revision | ₹1,24,000 | ₹3,720 |
GSTR-2B — Auto-Draft ITC Statement
System-generated input tax credit from GSTN · Mar 2026
Auto-Generated
Total ITC Available
₹11,64,280
CGST ₹5,82,140 | SGST ₹5,82,140
ITC Reversal (Rule 42/43)
₹48,240
Exempt / personal-use portion
Net ITC Claimable
₹11,16,040
After reversal
| Supplier GSTIN | Supplier Name | Invoice No. | Date | Taxable Value | Rate | IGST | CGST | SGST | ITC Type | Eligible? |
|---|---|---|---|---|---|---|---|---|---|---|
| 27AABCG1234K1Z5 | Gitanjali Gems | GG-2026-0842 | 12-Mar-26 | ₹8,00,000 | 3% | ₹0 | ₹12,000 | ₹12,000 | Inputs | ✓ Eligible |
| 29AABCM2344F1ZW | Malabar Gold | MG-2026-1124 | 15-Mar-26 | ₹6,20,000 | 3% | ₹0 | ₹9,300 | ₹9,300 | Inputs | ✓ Eligible |
| 07AABCJ8899K1ZQ | JK Diamond House | JKD-2026-0241 | 18-Mar-26 | ₹2,84,000 | 3% | ₹8,520 | ₹0 | ₹0 | Inputs | ✓ Eligible |
| 27AABCR5678J1ZN | Rajasthan Gems | RGP-2026-0184 | 22-Mar-26 | ₹1,24,000 | 5% | ₹0 | ₹3,100 | ₹3,100 | Job-work | ✓ Eligible |
ITC Eligibility Breakup — Jewellery Categories
| Category | Description | Eligible ITC | Blocked (Sec.17(5)) | Eligible % | Remark |
|---|---|---|---|---|---|
| 🥇 Gold Bullion | Raw gold, gold bars purchase | ₹7,84,200 | NIL | 100% | Fully eligible — business use |
| 💎 Diamonds & Stones | Precious / semi-precious stones | ₹1,24,800 | NIL | 100% | Fully eligible |
| 🔧 Job Work (Making) | Labour / making charges paid | ₹84,640 | NIL | 100% | Eligible — Sec.143 job-work |
| 🏭 Capital Goods | Machinery, display counters, vault | ₹62,400 | NIL | 100% | Business asset — eligible |
| 🚗 Motor Vehicles | Delivery van / transport | NIL | ₹28,800 | BLOCKED | Sec.17(5)(a) — blocked |
| 🍽️ Food & Hospitality | Client gifts, events, food | NIL | ₹19,440 | BLOCKED | Sec.17(5)(b) — blocked |
GSTR-3B — Monthly Summary Return
Self-declaration of GST liability & ITC · Mar 2026 · Due: 20-Apr-2026
Ready to File
3.1 — Outward Taxable Supplies
A — Outward taxable (other than zero rated)
₹12,26,00,000
B — Outward taxable (zero rated)
₹41,80,000
C — Other outward (nil rated, exempt)
₹0
D — Inward supplies (reverse charge)
₹3,24,000
Total Output Tax Liability
₹18,42,000
4 — Eligible ITC
A — ITC on Inputs
₹9,66,240
B — ITC on Capital Goods
₹62,400
C — ITC on Input Services
₹87,400
D — ITC Reversal (Rule 42/43)
− ₹48,240
Net ITC Available
₹11,16,040
GSTR-9 — Annual Return (FY 2024–25)
Consolidated annual summary · Auto-populated from GSTR-1 & 3B · Due: 31-Dec-2025
Filed
Total Outward Supplies
₹62.4Cr
Total ITC Availed
₹1.24Cr
Tax Paid (Cash)
₹78.4L
Late Fee
₹0
Part II — Supplies (FY 24–25)
4A — Supplies to registered persons
₹38.2Cr
4B — Supplies to unregistered (B2C)
₹24.2Cr
4C — Zero-rated (exports)
₹4.8Cr
6B — Inward from registered (purchases)
₹42.6Cr
6C — Inward from unregistered (RCM)
₹3.2L
Part III — ITC Declared
7A — ITC on Inputs
₹94.2L
7B — ITC on Capital Goods
₹18.4L
7C — ITC on Input Services
₹11.8L
7D — ITC Reversed
₹4.4L
Net ITC (Annual)
₹1,20,00,000
E-Invoice / IRN Management
Invoice Reference Number generation & tracking · Mandatory for turnover > ₹5Cr
IRN Generated
2,437
Pending IRN
44
Cancelled IRN
18
QR Code Printed
2,419
44 Invoices Pending IRN — Act Before 25-Mar-2026
Invoices dated before 24-Mar-2026 must have IRN within 24 hours. Affected: INV-2026-2482 to INV-2026-2525.
| Invoice No. | Date | Party | Value | IRN (truncated) | Ack No. | Ack Date | QR | Status |
|---|---|---|---|---|---|---|---|---|
| INV-2026-0524 | 24-Mar-26 | Tanishq Gold Pvt Ltd | ₹32,01,240 | abc123def456ghi... | 232403241234567 | 24-Mar-26 | ✓ QR | Active |
| INV-2026-0523 | 23-Mar-26 | Walk-in Retail | ₹2,55,440 | bcd234efg567hij... | 232303231234568 | 23-Mar-26 | ✓ QR | Active |
| INV-2026-0522 | 22-Mar-26 | Malabar Gems Ltd | ₹18,95,200 | cde345fgh678ijk... | 232203221234569 | 22-Mar-26 | ✓ QR | Active |
| INV-2026-0521 | 22-Mar-26 | Gem House Intl (Export) | ₹9,84,000 | ⚠ PENDING | — | — | N/A | Pending |
| INV-2026-0520 | 21-Mar-26 | Rajasthan Gems Pvt Ltd | ₹5,39,720 | efg567hij890jkl... | 212103211234571 | 21-Mar-26 | ✓ QR | Active |
E-Way Bill Register
Required for goods movement > ₹50,000 · Gold & jewellery require e-way bill at all values in notified states
Active Bills
84
Expiring Today
7
Cancelled
12
High-Value (>₹10L)
23
| EWB No. | Date | Invoice No. | From | To | Consignee | Gold Wt (g) | Value | Vehicle | Valid Till | Status |
|---|---|---|---|---|---|---|---|---|---|---|
| 2412004892100 | 24-Mar-26 | INV-2026-0524 | Mumbai HQ | Delhi NCR | Tanishq Showroom | 420g | ₹31,08,000 | MH02AB1234 | 26-Mar-26 | Active |
| 2412004892143 | 24-Mar-26 | INV-2026-0525 | Mumbai HQ | Pune | Walk-in Export | 180g | ₹13,32,000 | MH14CD5678 | 25-Mar-26 | Expiring |
| 2412004891984 | 23-Mar-26 | INV-2026-0520 | Chennai | Bangalore | Gem House Intl | 68g | ₹5,03,200 | TN07EF4321 | 25-Mar-26 | Expiring |
| 2412004891762 | 22-Mar-26 | INV-2026-0508 | Delhi NCR | Jaipur | Rajasthan Gems | 340g | ₹25,16,000 | DL01GH8765 | 28-Mar-26 | Active |
| 2412004891440 | 21-Mar-26 | INV-2026-0496 | Bangalore | Hyderabad | SNA Gold Bullion | 210g | ₹15,54,000 | KA05IJ9012 | 27-Mar-26 | Active |
ITC Reconciliation — GSTR-2B vs Purchase Books
Match your purchase register against GSTR-2B auto-data · Identify mismatches before filing
Matched
184
In Books, Not in 2B
12
In 2B, Not in Books
3
Amount Mismatch
8
| Supplier GSTIN | Supplier Name | Invoice No. | Date | Books ITC (₹) | 2B ITC (₹) | Difference | Reason | Action |
|---|---|---|---|---|---|---|---|---|
| 27AABCG1234K1Z5 | Gitanjali Gems | GG-2026-0842 | 12-Mar-26 | ₹24,000 | ₹0 | −₹24,000 | Supplier not filed GSTR-1 | |
| 29AABCM2344F1ZW | Malabar Gems | MG-2026-1124 | 15-Mar-26 | ₹18,600 | ₹18,000 | −₹600 | Rounding difference | |
| 27AABCS1442L1ZP | SNA Gold Bullion | SNJ-2026-0328 | 20-Mar-26 | ₹0 | ₹14,400 | +₹14,400 | Invoice not booked yet | |
| 07AABCJ8899K1ZQ | JK Diamond House | JKD-2026-0241 | 18-Mar-26 | ₹8,520 | ₹0 | −₹8,520 | Supplier GSTR-1 pending |
HSN-wise Summary — Jewellery Codes
Mandatory in GSTR-1 & GSTR-9 · Turnover-based HSN digit threshold applies
| HSN Code | Description | GST Rate | Txn Count | Taxable Value | IGST | CGST | SGST | Total GST |
|---|---|---|---|---|---|---|---|---|
| 7113 | Articles of jewellery — precious metal | 3% | 2,108 | ₹8,24,16,000 | ₹0 | ₹12,36,240 | ₹12,36,240 | ₹24,72,480 |
| 7114 | Goldsmiths' / silversmiths' wares | 3% | 324 | ₹1,84,20,000 | ₹0 | ₹2,76,300 | ₹2,76,300 | ₹5,52,600 |
| 7108 | Gold (unwrought / semi-manufactured) | 3% | 112 | ₹4,84,20,000 | ₹0 | ₹7,26,300 | ₹7,26,300 | ₹14,52,600 |
| 7106 | Silver (unwrought / semi-manufactured) | 3% | 64 | ₹12,60,000 | ₹0 | ₹18,900 | ₹18,900 | ₹37,800 |
| 7102 | Diamonds (non-industrial) | 3% | 48 | ₹42,80,000 | ₹0 | ₹64,200 | ₹64,200 | ₹1,28,400 |
| 7103 | Precious & semi-precious stones | 3% | 186 | ₹38,40,000 | ₹0 | ₹57,600 | ₹57,600 | ₹1,15,200 |
| 9983 | Job Work / Making Charges (SAC) | 5% | 428 | ₹1,24,80,000 | ₹0 | ₹3,12,000 | ₹3,12,000 | ₹6,24,000 |
| 7117 | Imitation jewellery | 12% | 286 | ₹18,40,000 | ₹0 | ₹1,10,400 | ₹1,10,400 | ₹2,20,800 |
| TOTAL | ₹17,29,56,000 | ₹0 | ₹28,01,940 | ₹28,01,940 | ₹56,03,880 | |||
TDS u/s 194Q & TCS u/s 206C — Jewellery Compliance
TDS on purchase of goods >₹50L/year · TCS on cash jewellery sales >₹2L
TDS 194Q Deducted
₹4.82L
TCS 206C Collected
₹1.24L
Deposited to Govt.
₹6.06L
Pending Form 16A
8
⚠️ Sec.206C(1F) — TCS on Cash Jewellery Sale > ₹2 Lakh
Collect 1% TCS at source on each cash sale exceeding ₹2 lakhs
| Invoice No. | Date | Buyer Name | PAN | Sale Value | Mode | TCS @ 1% | Deposited? | Challan No. |
|---|---|---|---|---|---|---|---|---|
| INV-2026-0412 | 08-Mar-26 | Rajesh Kumar Agarwal | ABCPA1234R | ₹4,82,000 | Cash | ₹4,820 | Yes | CHL2026033101 |
| INV-2026-0438 | 12-Mar-26 | Priya Sharma | BCDPS2345K | ₹3,24,000 | Cash | ₹3,240 | Yes | CHL2026033102 |
| INV-2026-0489 | 19-Mar-26 | Amit Singh Bhatia | CDEAB3456L | ₹2,48,000 | Cash | ₹2,480 | Pending | — |
| INV-2026-0501 | 21-Mar-26 | Sudha Menon | DEFMN4567P | ₹6,80,000 | Cash | ₹6,800 | Pending | — |
| Vendor GSTIN | Vendor Name | Purchases YTD | TDS @ 0.1% | TDS Deducted | Deposited | Due Date | Status |
|---|---|---|---|---|---|---|---|
| 27AABCG1234K1Z5 | Gitanjali Gems Pvt Ltd | ₹8,42,00,000 | 0.1% | ₹84,200 | ₹84,200 | 07-Apr-26 | Done |
| 29AABCM2344F1ZW | Malabar Gold & Diamonds | ₹3,18,00,000 | 0.1% | ₹31,800 | ₹31,800 | 07-Apr-26 | Done |
| 27AABCS1442L1ZP | SNA Gold Bullion House | ₹1,84,00,000 | 0.1% | ₹18,400 | ₹0 | 07-Apr-26 | Pending |
📅 GST & Tax Compliance Calendar — Jeweller
All upcoming filing deadlines for FY 2025–26 Q4 & beyond
| Due Date | Return / Obligation | Applicable To | Period | Amount | Status | Action |
|---|---|---|---|---|---|---|
| 01-Apr-26 | TDS 194Q Deposit | Gold purchases >₹50L/yr | Mar 2026 | ₹18,400 | Overdue | |
| 07-Apr-26 | TCS 206C Deposit | Cash sales >₹2L | Mar 2026 | ₹9,280 | Due Soon | |
| 11-Apr-26 | GSTR-1 (Monthly) | All registered dealers | Mar 2026 | — | Draft | |
| 13-Apr-26 | GSTR-1A (Amendment) | If amendments needed | Mar 2026 | — | Not Req. | |
| 14-Apr-26 | GSTR-2B (Auto-generated) | System-generated | Mar 2026 | — | Pending | |
| 20-Apr-26 | GSTR-3B + Tax Payment | Monthly filers | Mar 2026 | ₹7,25,960 | Ready | |
| 22-Apr-26 | GSTR-3B (QRMP) | Quarterly filers | Jan–Mar 2026 | — | N/A | — |
| 30-Apr-26 | Form 16A (TDS Cert.) | To vendors deducted | Q4 FY 25–26 | — | Due | |
| 30-Jun-26 | GSTR-4 (Composition) | Composition dealers only | FY 2025–26 | — | N/A | — |
| 31-Dec-26 | GSTR-9 Annual Return | All registered dealers | FY 2025–26 | — | Upcoming | — |
| 31-Dec-26 | GSTR-9C Reconciliation Stmt. | Turnover > ₹5Cr | FY 2025–26 | — | Upcoming | — |
As per bank statement
As per ledger
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Book Transactions
| Cleared | Date | Voucher | Narration | Type | Amount (₹) | Cleared On |
|---|
Items on Statement, Not in Books
Bank charges, interest, direct debits / credits to be posted| Date | Description | Type | Amount (₹) |
|---|
Balance as per Bank Statement
Statement closing balance—
Add: Deposits in transituncleared receipts—
Less: Outstanding chequesuncleared payments—
Adjusted Bank Balance—
Balance as per Cash Book
Cash book balance—
Add: Credits not in booksinterest, direct deposits—
Less: Debits not in booksbank charges, direct debits—
Adjusted Book Balance—
Reconciliation Settings
Show "Cleared On" column
Record the date each entry cleared the bank
Use statement closing balance
Auto-fill from the last balance row on import
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Trial Balance
Group & ledger-wise closing balances — debit / credit
Sri Bhavani Gems & Jewels Pvt Ltd
Trial Balance
as on 31-Mar-2026
| Particulars | Debit | Credit |
|---|
Balance Sheet
Liabilities & Assets — Tally horizontal format
Sri Bhavani Gems & Jewels Pvt Ltd
Balance Sheet
as on 31-Mar-2026
| Txn / Customer | Date | Mode | Reference / UTR | Amount | Status | Action |
|---|
Verify Payment
Reference / UTR
Amount
Bank / App