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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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AP Aging & Cash Forecast screenshot

How it works

From open bills to the next payment run plan.

Step 01

Open bills aged with priority flags

Bills age against due date with MSME 43B(h) priority, ITC-at-risk flag and TDS-pending flag overlaid. Approaching deadlines surface at the top.

Step 02

Cash runway computed

Bank balance, projected receivables and scheduled outflows combine to a 13-week runway. Stress scenarios (slow collection, accelerated payment) test the buffer.

Step 03

Vendor concentration analysed

Top 10 vendors by exposure, by 90+ overdue and by MSME ageing. Concentration risk panel surfaces dependency.

Step 04

Discount opportunities ranked

Vendors offering dynamic discounts surface with APR-equivalent yield. CFO sees what cash deployed early would earn against the cap.

What the system does

Capability, input, output.

  • 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.

More in MIS Reports

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.

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