Bank Accounts Data Dictionary

├── accounts[]     Per-account data (one entry per linked bank account)
└── overall        Cross-account aggregate analysis

accounts[]
├── accountDetail       Account identification and holder details
└── analysis            Cashflow and category analytics for this account

accountDetail
├── number                     Masked account number
├── identifier                 Internal linked account reference (linkedAccRef)
├── overdraftOrCashCreditAccount  Whether this is an OD / CC account (boolean)
├── bank
│   ├── name                   Bank name (e.g., Axis Bank)
│   └── type                   Bank type code (e.g., AXIS_BANK)
├── summary
│   ├── type                   Account type (SAVINGS, CURRENT, OVERDRAFT, etc.)
│   ├── currentBalance         Current account balance (INR)
│   ├── currency               Account currency (e.g., INR)
│   ├── exchgeRate             Exchange rate (for foreign-currency accounts)
│   ├── balanceDateTime        Timestamp of the balance snapshot (ISO-8601)
│   ├── branch                 Branch name
│   ├── facility               Account facility type
│   ├── ifscCode               IFSC code
│   ├── micrCode               MICR code
│   ├── openingDate[]          Account opening date as [year, month, day]
│   ├── status                 Account status (ACTIVE, INACTIVE, etc.)
│   └── pending[]              List of pending transactions (usually empty)
└── holderDetails
    ├── type                   Holding type (SINGLE, JOINT, etc.)
    └── holders[]              Account holder profiles
        ├── name               Holder name
        ├── dob                Date of birth (yyyy-MM-dd)
        ├── mobile             Mobile number
        ├── nominee            Nominee registration status
        ├── landline           Landline number
        ├── address            Postal address
        ├── email              Email address
        ├── pan                PAN number
        └── ckycCompliance     CKYC compliance status ("true" / "false")

analysis
├── cashflow
│   ├── monthly[]              Monthly cashflow metrics (one per calendar month)
│   └── overall                Aggregate cashflow metrics across the statement period
└── completeCategoryWiseAnalysis
    └── overall
        └── analysis
            ├── accountNumber              Masked account number
            ├── linkedAccRef               Internal account reference
            ├── bank                       Bank name
            └── monthlyCategoryWiseAnalysis
                └── [CATEGORY][]           One array per category (EXPENDITURE, INCOME, etc.)
                    ├── year               Calendar year
                    ├── month              Calendar month (1–12)
                    ├── categoryCode       Category code (matches the key name)
                    ├── totalTransactions  Total transaction count in this category
                    ├── totalCreditAmount  Total credit amount in this category (INR)
                    ├── totalDebitAmount   Total debit amount in this category (INR)
                    ├── totalCreditDebitAmount  Gross throughput (INR)
                    ├── totalCreditTxn     Credit transaction count
                    ├── totalDebitTxn      Debit transaction count
                    ├── avgCreditAmount    Mean credit amount (INR)
                    ├── avgDebitAmount     Mean debit amount (INR)
                    ├── maximumDebitAmount Largest debit in this category (INR)
                    └── minimumDebitAmount Smallest debit in this category (INR)

overall
└── analysis
    ├── cashflow                    Same structure as per-account cashflow (monthly[] + overall)
    ├── recurringCredits            Identified recurring income groups
    │   └── overall
    │       ├── avgFrequentCreditAmount   Average recurring credit amount (INR)
    │       └── groups[]                 Recurring credit groups
    │           ├── counterParty         Identified income source name
    │           ├── amount               Total amount across all occurrences (INR)
    │           ├── avgAmount            Average amount per occurrence (INR)
    │           ├── category             Transaction category code
    │           ├── paymentModeType      Payment mode (UPI, NEFT, etc.)
    │           ├── linkedAccRef         Linked account reference
    │           ├── account              Account number
    │           ├── salaryFiltered       Whether this group was identified as salary
    │           ├── monthlyAnalysis[]    Month-by-month occurrence breakdown
    │           │   ├── month            Month (MM string)
    │           │   ├── year             Year (YYYY string)
    │           │   ├── amount           Amount in this month (INR)
    │           │   └── count            Occurrences in this month
    │           └── transactions[]       Individual transactions in this group
    │               ├── id              Transaction ID
    │               ├── amount          Amount (INR)
    │               ├── type            CREDIT or DEBIT
    │               ├── paymentMode     Payment mode
    │               ├── categoryCode    Category code
    │               ├── category        Category name
    │               ├── subcategory     Subcategory name
    │               ├── counterParty    Counterparty name
    │               ├── merchantName    Merchant name
    │               ├── narration       Transaction description
    │               ├── reference       Reference number
    │               ├── dateOfTransaction  Transaction timestamp (ISO-8601)
    │               ├── balance         Running balance after transaction (INR)
    │               ├── account         Account number
    │               ├── bank            Bank name
    │               └── linkedAccRef    Linked account reference
    └── recurringDebits             Identified recurring obligation groups
        └── overall                 Same structure as recurringCredits.overall
            ├── avgFrequentDebitAmount
            └── groups[]