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Kesar & Clay

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3 things need you

Diagnosis for 30 Sep 2026 · read overnight from your books

Since Aug: cash down 12%, burn up 36%, runway 9.7 → 6.3 months

  • 2 act this month
  • 1 watch
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Kesar & Clay, Sep 2026 (Cassence) 6.3 months of runway Needs you: • One customer paying slower over time (days to pay now: 39 days); fixing it: +1.1 mo • Marketing efficiency falling (ad spend / revenue: 23%); fixing it: +1.7 mo • Gross margin shrinking (gross margin: 42%); fixing it: +0.7 mo Going well: • Sales held steady on the 3 months before Worth a look: • Marketing and advertising grew 52%: ₹1.34L → ₹2.03L a month Since Aug 2026: cash down 12%, burn up 36%, runway 9.7 → 6.3 months /demo/kesar-clay

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RunwayAbove the 6-month line

6.3months

Cash in the bank
₹17.03L
confirmed 30 Sep 2026
Spending more than collecting
₹2.69L/mo
3-month average

Coming up

Tax and filing dates, with amounts from your books

  • 7OctTDS deposit of about ₹6,840in 7 days · Late payment costs 1.5% a month from the deduction date (s.201(1A)).Act this month

Every month

  • 7thTDS deposit
  • 11thGSTR-1 filing
  • 15thPF and ESI
  • 20thGSTR-3B and GST payment
Act this monthMost urgent

One customer paying slower over time

A single payer's settlement time is drifting, which often comes before a dispute, a cash problem on their side, or a marketplace reserve hold.

Days to pay now39 days

Why

  • Amazon Seller Services used to pay in 15 days. Their last four payments took 39 days.
  • They are 40% of your billing over the last 12 months.

What you can do

  • If it's a marketplace: check the seller dashboard for reserve holds or disputed orders, and reconcile the settlement reports against your invoices.
  • If it's a customer: call their accounts team, and pause new work above a credit limit.

Cash in the bank

Month-end balance, Oct 2025 to Sep 2026

Money in and spend

Collected from customers against everything paid out, by month

Money in Spend

Also worth your time

Most urgent first. Open one to see why and what to do.

This month

What’s going well in your books, and what’s worth a look. Information, not advice.

See all 7

What this report rests on

Every figure is added up from your books. Here is what was checked, and what couldn’t be.

Notes

  • Cash rests on the bank balance confirmed for 30 Sep 2026 (today).

15 checks found nothing wrong

  • Runway
  • Burn rising
  • Cash confirmed
  • Overdue invoices
  • Days to get paid
  • Customer concentration
  • Revenue dropping
  • Delivery costs
  • Paying twice for tools
  • Payroll vs revenue
  • Inventory days
  • Supplier bills overdue
  • GST on unpaid invoices
  • TDS waiting for refund
  • Bills to check before paying

Not checked this time

  • Payment gateway feesNo payment gateway connected..
  • Gateway money not in the bankNo payment gateway connected..
  • Advance tax, TDS not deducted, Bank entries missingWaiting for a chartered accountant to sign off the rules before they go live.