Average Balance
Rs 72,500
Minimum Balance
Rs 28,000
Maximum Balance
Rs 185,000
Salary Arrival Window
1st - 3rd
Balance Depletion
58%
within 12 days
Idle Surplus
Rs 45,000
for 10+ days
Daily Balance Trend
Monthly Average Balance Trend
Idle Surplus Analysis by Period
AI Cash Flow Observations
- •Salary usually arrives between the 1st and 3rd of every month.
- •Balance peaks between the 2nd and 5th.
- •Balance drops by 58% within the first 12 days after salary.
- •Customer maintains an idle surplus of around PKR 45,000 for 10+ days.
- •Customer is suitable for auto-save or short-term deposit recommendations.
Typical Monthly Cash Flow Timeline
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Salary Credit
→
💸
Major Expenses
→
💡
Utility Bills
→
🛍️
Discretionary Spend
→
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