MIS Reports | AP Aging & Cash Forecast

AP ageing and cash forecast on one screen. MSME-aware.

Open bills aged with MSME 43B(h) priority and ITC-at-risk flags. DPO trend and vendor concentration. Payment runway computed against current bank position. Early-pay discount opportunities surfaced with APR-equivalent yield.

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What the system does

Capability, input, output.

Capability	Input	Output
AP ageing with flags	Open bills + MSME, ITC, TDS status	Ageing with multi-flag overlay
DPO trend	12-month bills + payments	DPO trajectory
Cash runway	Bank + AR + AP scheduled	13-week rolling runway with stress scenarios
Vendor concentration	Open bills by vendor	Top-10 exposure and dependency
Discount yield ranking	Dynamic discount offers	APR-equivalent ranking with cap usage

AP ageing with flags

Input

Open bills + MSME, ITC, TDS status

Output

Ageing with multi-flag overlay
DPO trend

Input

12-month bills + payments

Output

DPO trajectory
Cash runway

Input

Bank + AR + AP scheduled

Output

13-week rolling runway with stress scenarios
Vendor concentration

Input

Open bills by vendor

Output

Top-10 exposure and dependency
Discount yield ranking

Input

Dynamic discount offers

Output

APR-equivalent ranking with cap usage

Compliance + integrations

Forecast with the regulations baked in.

MSME 43B(h) priority is enforced before the forecast runs. ITC-at-risk affects the payment timing. TDS due dates affect the cash position. The forecast is real because the regulations are real.

Regulations we work within

Section 43B(h), Income Tax Act

MSME 45-day priority surfaces on the AP ageing.
Rule 36(4), CGST Act

ITC-at-risk gates the payment timing.
Section 200(1), Income Tax Act

TDS payment deadlines surface in the forecast.

Connects to

Connected banking Live bank position
AR module Receivables projection

AP Aging & Cash Forecast FAQ

What buyers ask.

How is MSME priority shown on AP ageing?

MSME bills (verified against the Udyam registry) appear with a priority flag and the days-to-43B(h)-disallowance counter. Bills approaching the 45-day window surface at the top of the ageing for the next run. Bills past the window block the run with the disallowance amount visible.

Stress scenarios on the cash forecast. How do those work?

The CFO can run stress scenarios: 50% receivables slip by 30 days, accelerated AP payment to capture all discounts, large customer goes 90 days late. Each scenario surfaces the resulting cash trough and the time-to-buffer-exhaustion. Risk-adjusted forecasting in place of point-estimate forecasting.

How do early-pay discount opportunities get ranked?

Each opted-in vendor's discount curve runs against the open bills with days-to-due. The APR-equivalent yield computes per offer. Offers rank by yield against the CFO's daily cash cap. The CFO accepts top offers within the cap; the system schedules the early payment.

Related features

See your AP ageing with the forecast next to it.

Connect bank and AP module, free. The ageing, the runway and the discount opportunities all populate on one screen with your data.