> ## Documentation Index
> Fetch the complete documentation index at: https://developer.moneyone.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Accounts Data Dictionary

> Comprehensive field reference for deposit / bank account analytics

**Purpose:** Per-account and cross-account cashflow analytics for linked bank (deposit) accounts. Covers monthly and overall cashflow metrics, category-wise spending analysis, and recurring transaction patterns.

***

## Top-Level Structure

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

***

## accounts\[]

Each entry in `accounts` represents a single linked bank account.

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

### accountDetail

```
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

```
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)
```

***

## Cashflow Fields (monthly and overall)

`cashflow.monthly` contains one object per calendar month. `cashflow.overall` uses the same fields as an aggregate across all months. Fields are grouped below by functional area.

### Period Identifiers

| Field                    | Description                                       |
| ------------------------ | ------------------------------------------------- |
| `year`                   | Calendar year                                     |
| `month`                  | Calendar month (1–12)                             |
| `monthName`              | Month abbreviation (Jan, Feb, …, Dec)             |
| `fullMonthDataAvailable` | Whether complete data is available for this month |

### Balance Metrics

| Field                                                                | Description                                        |
| -------------------------------------------------------------------- | -------------------------------------------------- |
| `openingBalance` / `firstDayOpeningBalance`                          | Account balance at the start of the period         |
| `firstDayEodBalance`                                                 | End-of-day balance on the first day of the month   |
| `closingBalance`                                                     | Account balance at the end of the period           |
| `closingDrawingLimit`                                                | Drawing limit at period close (OD accounts)        |
| `avgBalance` / `averageDailyClosingBalance` / `monthlyABB`           | Average end-of-day balance (monthly ABB)           |
| `averageTransactionalBalance` / `averageUtilisedBalanceSpecificDays` | Average balance across selected sample days        |
| `adjustedAvgEodBalance`                                              | ABB after excluding non-business transactions      |
| `maxEodBalance` / `maximumDailyClosingBalance`                       | Highest EOD balance in the period                  |
| `minEodBalance` / `minimumDailyClosingBalance`                       | Lowest EOD balance in the period                   |
| `maximumBalance` / `minimumBalance`                                  | Max / min running balance (intra-day)              |
| `maximumTransactionalBalance` / `minimumTransactionalBalance`        | Max / min balance at point of transaction          |
| `medianEodBalance` / `medianDailyClosingBalance`                     | Median EOD balance                                 |
| `medianTransactionalBalance`                                         | Median balance at point of transaction             |
| `stdDeviationOfBalance` / `standardDeviationDailyClosingBalance`     | Std dev of EOD balances                            |
| `standardDeviationTransactionalBalance`                              | Std dev of transactional balances                  |
| `varianceOfBalance` / `varianceDailyClosingBalance`                  | Variance of EOD balances                           |
| `varianceTransactionalBalance`                                       | Variance of transactional balances                 |
| `volatilityOfBalance` / `volatilityDailyClosingBalance`              | Coefficient of variation of EOD balances           |
| `groupedLast7DaysAvgBalance`                                         | Average balance over the last 7 days of the period |
| `groupedLast7DaysMaxBalance`                                         | Maximum balance in the last 7 days                 |
| `groupedLast7DaysMinBalance`                                         | Minimum balance in the last 7 days                 |
| `groupedDaysSinceMaxBalance`                                         | Days since the maximum balance was recorded        |
| `groupedEodBalanceCountLessThan1000`                                 | Number of days with EOD balance \< ₹1,000          |

### EOD Balance on Specific Days

| Field                                | Description                                     |
| ------------------------------------ | ----------------------------------------------- |
| `eodBalanceOn1stDay`                 | EOD balance on the 1st of the month             |
| `eodBalanceOn5thDay`                 | EOD balance on the 5th                          |
| `eodBalanceOn10thDay`                | EOD balance on the 10th                         |
| `eodBalanceOn14thDay`                | EOD balance on the 14th                         |
| `eodBalanceOn15thDay`                | EOD balance on the 15th                         |
| `eodBalanceOn20thDay`                | EOD balance on the 20th                         |
| `eodBalanceOn25thDay`                | EOD balance on the 25th                         |
| `eodBalOnLessThanEqual30LastDay`     | EOD balance on min(last day of month, 30th)     |
| `averageUtilisedBalanceSpecificDays` | Average of the 6 standard sampling-day balances |

### Credit Metrics

| Field                                                                                    | Description                                                |
| ---------------------------------------------------------------------------------------- | ---------------------------------------------------------- |
| `totalCreditAmount`                                                                      | Gross credit amount (INR)                                  |
| `totalCreditTxn` / `totalCreditTransactions`                                             | Total credit transaction count                             |
| `totalEffectiveCreditAmount`                                                             | Credits after excluding reversals and bounces (INR)        |
| `totalEffectiveCreditTxn`                                                                | Effective credit transaction count                         |
| `totalNetCreditAmount` / `totalNetCreditTransactionAmount`                               | Net credit (excluding internal transfers and self-credits) |
| `totalNoofNetCreditTransactions` / `totalNetCreditTransactions`                          | Net credit transaction count                               |
| `totalBusinessCreditAmount`                                                              | Credits identified as business income (INR)                |
| `totalNoOfBusinessCreditTransactions`                                                    | Business credit transaction count                          |
| `totalNonBusinessCreditAmount`                                                           | Credits not classified as business income (INR)            |
| `totalNoOfNonBusinessCreditTransactions`                                                 | Non-business credit transaction count                      |
| `totalCreditAmountWithoutLoan`                                                           | Credit amount excluding loan disbursals (INR)              |
| `totalCreditWithoutLoanTnx`                                                              | Credit transaction count excluding loan disbursals         |
| `avgCreditAmount` / `averageTransactionalCreditAmount`                                   | Average credit transaction amount (INR)                    |
| `avgMonthlyCreditAmount` / `averageDailyCreditAmount`                                    | Average daily credit amount (INR)                          |
| `averageNetCreditTransactionAmount` / `averageTransactionalNetCreditAmount`              | Average net credit amount (INR)                            |
| `minimumCreditAmount`                                                                    | Smallest single credit transaction (INR)                   |
| `maximumCreditAmount`                                                                    | Largest single credit transaction (INR)                    |
| `stdDeviationOfCreditAmount` / `standardDeviationDailyCreditAmount`                      | Std dev of credit amounts                                  |
| `stdDeviationOfMonthlyCreditAmount`                                                      | Std dev of monthly credit amounts                          |
| `varianceOfCreditAmount` / `varianceOfMonthlyCreditAmount` / `varianceDailyCreditAmount` | Variance of credit amounts                                 |
| `volatilityCreditAmount` / `volatilityDailyCreditAmount`                                 | CV of daily credit amounts                                 |
| `coefficientOfVariationOfMonthlyCreditAmount`                                            | CV of monthly credit amounts                               |
| `medianDailyCreditAmount`                                                                | Median daily credit amount                                 |
| `highValueCreditTxnsAmount`                                                              | Total amount of high-value credit transactions (INR)       |
| `highValueCreditTxnsCount`                                                               | Count of high-value credit transactions                    |
| `totalSelfCredits` / `totalSelfCreditAmount`                                             | Self-transfer credits (INR)                                |
| `totalCreditSweepAmount` / `totalCreditSweepTxns`                                        | Sweep-in credit amount and count                           |
| `totalCreditInternalTransferAmount` / `totalCreditInternalTransferTxn`                   | Internal credit transfer amount and count                  |

### Debit Metrics

| Field                                                                                 | Description                                                  |
| ------------------------------------------------------------------------------------- | ------------------------------------------------------------ |
| `totalDebitAmount`                                                                    | Gross debit amount (INR)                                     |
| `totalDebitTxn` / `totalDebitTransactions`                                            | Total debit transaction count                                |
| `totalEffectiveDebitAmount`                                                           | Debits after excluding reversals (INR)                       |
| `totalEffectiveDebitTxn`                                                              | Effective debit transaction count                            |
| `totalNetDebitAmount` / `totalNetDebitTransactionAmount`                              | Net debit (excluding internal transfers and self-debits)     |
| `totalNoofNetDebitTransactions` / `totalNetDebitTransactions`                         | Net debit transaction count                                  |
| `totalBusinessDebitAmount`                                                            | Debits identified as business outflows (INR)                 |
| `totalNoOfBusinessDebitTransactions`                                                  | Business debit transaction count                             |
| `totalNonBusinessDebitAmount`                                                         | Debits not classified as business outflows (INR)             |
| `totalNoOfNonBusinessDebitTransactions`                                               | Non-business debit transaction count                         |
| `avgDebitAmount` / `averageTransactionalDebitAmount`                                  | Average debit transaction amount (INR)                       |
| `avgMonthlyDebitAmount` / `averageDailyDebitAmount`                                   | Average daily debit amount (INR)                             |
| `averageNetDebitTransactionAmount` / `averageTransactionalNetDebitAmount`             | Average net debit amount (INR)                               |
| `minimumDebitAmount`                                                                  | Smallest single debit transaction (INR)                      |
| `maximumDebitAmount`                                                                  | Largest single debit transaction (INR)                       |
| `stdDeviationOfDebitAmount` / `standardDeviationDailyDebitAmount`                     | Std dev of debit amounts                                     |
| `stdDeviationOfMonthlyDebitAmount`                                                    | Std dev of monthly debit amounts                             |
| `varianceOfDebitAmount` / `varianceOfMonthlyDebitAmount` / `varianceDailyDebitAmount` | Variance of debit amounts                                    |
| `volatilityDebitAmount` / `volatilityDailyDebitAmount`                                | CV of daily debit amounts                                    |
| `coefficientOfVariationOfMonthlyDebitAmount`                                          | CV of monthly debit amounts                                  |
| `medianDailyDebitAmount`                                                              | Median daily debit amount                                    |
| `highValueDebitTxnsAmount`                                                            | Total amount of high-value debit transactions (INR)          |
| `highValueDebitTxnsCount`                                                             | Count of high-value debit transactions                       |
| `highValueCashDebitDepositTxns`                                                       | Boolean — whether high-value cash debit/deposit was detected |
| `highValueCashWithdrawalTxns`                                                         | Boolean — whether high-value cash withdrawal was detected    |
| `totalSelfDebitAmount` / `totalSelfDebits`                                            | Self-transfer debits (INR)                                   |
| `totalDebitSweepAmount` / `totalDebitSweepTxns`                                       | Sweep-out debit amount and count                             |
| `totalDebitInternalTransferAmount` / `totalDebitInternalTransferTxn`                  | Internal debit transfer amount and count                     |

### Summary / Ratio Metrics

| Field                                                           | Description                                                    |
| --------------------------------------------------------------- | -------------------------------------------------------------- |
| `creditDebitRatio` / `ratioTotalCreditAmountByTotalDebitAmount` | Ratio of total credits to total debits                         |
| `surplusAmount`                                                 | Net cashflow (total net credits − total net debits, INR)       |
| `totalCreditDebitAmount`                                        | Gross throughput (total credits + debits, INR)                 |
| `velocity`                                                      | Total transaction count ÷ average balance (activity indicator) |
| `averageExpenseAmount`                                          | Average expense per transaction (INR)                          |
| `totalExpenseAmount`                                            | Total expense amount in the period (INR)                       |
| `totalNoOfExpenseTransactions`                                  | Count of expense transactions                                  |

### UPI Metrics

| Field                                 | Description                                 |
| ------------------------------------- | ------------------------------------------- |
| `totalUpiAmount`                      | Total UPI transaction amount (INR)          |
| `totalUpiTxn`                         | Total UPI transaction count                 |
| `totalInwardUpiAmount`                | Total UPI credit (received) amount (INR)    |
| `totalInwardUpiTxn`                   | UPI credit transaction count                |
| `totalOutwardUpiAmount`               | Total UPI debit (sent) amount (INR)         |
| `totalOutwardUpiTxn`                  | UPI debit transaction count                 |
| `uniqueDaysOfUpiSettlement`           | Number of distinct days with UPI settlement |
| `totalNoUPISettlementTxns`            | Count of UPI settlement transactions        |
| `totalUPISettlementTransactionAmount` | Total UPI settlement amount (INR)           |

### ATM / Cash Metrics

| Field                                 | Description                                  |
| ------------------------------------- | -------------------------------------------- |
| `totalAtmCashWithdrawalTxn`           | ATM withdrawal transaction count             |
| `totalAtmCashWithdrawalAmount`        | Total ATM withdrawal amount (INR)            |
| `totalAtmWithdrawalAbove2000Txn`      | ATM withdrawals above ₹2,000 — count         |
| `totalCashWithdrawalsTxn`             | All cash withdrawal transaction count        |
| `totalCashWithdrawalsAmount`          | Total cash withdrawal amount (INR)           |
| `totalCashDepositAmount`              | Total cash deposit amount (INR)              |
| `totalCashDepositTxn`                 | Cash deposit transaction count               |
| `totalCashDepositRange40To50KTxn`     | Cash deposits in the ₹40K–₹50K range — count |
| `totalCashDepositRange9To10LTxn`      | Cash deposits in the ₹9L–₹10L range — count  |
| `percentCashDepositsOutOfTotalCredit` | Cash deposits as % of total credit amount    |

### Salary Metrics

| Field                                         | Description                                      |
| --------------------------------------------- | ------------------------------------------------ |
| `isSalaryIdentified`                          | Whether salary credit was detected in this month |
| `totalSalaryTransactions` / `totalSalaryTxns` | Salary credit transaction count                  |
| `totalSalaryAmount` / `monthsSalaryAmount`    | Total salary credited (INR)                      |
| `maxSalaryAmount`                             | Highest single salary credit (INR)               |
| `averageSalaryAmount`                         | Average salary credit amount (INR)               |
| `totalSalaryPaid` / `salaryPaid`              | Salary payments made by the account holder (INR) |

### Loan / EMI Metrics

| Field                                                         | Description                                       |
| ------------------------------------------------------------- | ------------------------------------------------- |
| `totalLoanCreditAmount`                                       | Total loan disbursal credits received (INR)       |
| `totalLoanCreditTxns`                                         | Loan credit transaction count                     |
| `totalLoanDisbursalCreditAmount` / `totalLoanDisbursalAmount` | Loan disbursal amount (INR)                       |
| `loanDisbursalTxns`                                           | Loan disbursal transaction count                  |
| `emiOrLoans`                                                  | Count of EMI / loan debit transactions            |
| `totalEmiAmount`                                              | Total EMI debit amount in the period (INR)        |
| `totalEmiTxn`                                                 | EMI debit transaction count                       |
| `totalEmiObligation`                                          | Total standing EMI obligation for the month (INR) |
| `monthsEmiAmount`                                             | EMI amount for this month (INR)                   |

### Bounce / Reversal Metrics

| Field                                                                      | Description                                     |
| -------------------------------------------------------------------------- | ----------------------------------------------- |
| `totalChequeBounceInwardTxn` / `totalIWChqBounceTxns`                      | Inward cheque bounce transaction count          |
| `totalIWChqBounceAmount`                                                   | Inward cheque bounce amount (INR)               |
| `totalChequeBounceOutwardTxn` / `totalOWBounceTxns`                        | Outward cheque bounce transaction count         |
| `totalOWChqBounceAmount`                                                   | Outward cheque bounce amount (INR)              |
| `totalNonTechnicalChequeBounceAmount` / `totalNonTechnicalChequeBounceTxn` | Substantive (non-technical) cheque bounces      |
| `totalTechnicalChequeBounceTxn` / `totalTechnicalChequeBounceAmount`       | Technical cheque bounces (system / bank error)  |
| `totalInwardNonTechChequeBounceTxns` / `totalInwardTechChequeBounceTxns`   | Inward bounce breakdown by type                 |
| `totalEmiBounceTxn` / `totalEmiBounceAmount`                               | EMI bounce count and amount                     |
| `inwEMIChqBounces`                                                         | Inward EMI cheque bounce count                  |
| `totalReversalAmount` / `totalReversalTxns`                                | Reversal transaction amount and count           |
| `totalReversalAndBounceCreditAmount`                                       | Total credit reversals and bounce amounts (INR) |
| `totalReversalAndBounceDebitAmount`                                        | Total debit reversals and bounce amounts (INR)  |
| `totalInwardPaymentBounceTxns` / `totalInwardPaymentBounceAmount`          | Inward payment bounce count and amount          |
| `totalOutwardPaymentBounceTxns` / `totalOutwardPaymentBounceAmount`        | Outward payment bounce count and amount         |
| `percentageInwardBounceTransactions`                                       | Inward bounces as % of total transactions       |
| `percentageOutwardBounceTransactions`                                      | Outward bounces as % of total transactions      |
| `totalIWBounceTxns`                                                        | Total inward bounce count (all types)           |
| `totalInwardReturnAmount`                                                  | Total inward return amount (INR)                |
| `totalOutwardReturnAmount` / `totalOutwardReturnTransactions`              | Outward return amount and count                 |
| `totalChequeReturnChargeTxn` / `totalChequeReturnChargeAmount`             | Cheque return charge count and amount           |
| `totalPaymentBounceChargeAmount` / `totalPaymentBounceChargeTxn`           | Payment bounce penalty charge amount and count  |

### Bank Charges & Penalties

| Field                                                 | Description                              |
| ----------------------------------------------------- | ---------------------------------------- |
| `totalBankChargesAmount` / `totalAmountOfBankCharges` | Bank charges deducted (INR)              |
| `totalBankChargesTxn` / `totalBankCharges`            | Bank charges transaction count           |
| `totalBankPenalties`                                  | Bank penalty amount (INR)                |
| `totalPenaltyTransactions`                            | Penalty transaction count                |
| `totalPenalChargesAmount`                             | Penal charges amount (INR)               |
| `monthlyMinimumBalanceCharge`                         | Minimum balance maintenance charge (INR) |

### Investment Metrics

| Field                         | Description                                 |
| ----------------------------- | ------------------------------------------- |
| `totalInvestmentAmount`       | Total outward investment transactions (INR) |
| `totalInvestmentTxn`          | Investment outflow transaction count        |
| `totalInvestmentIncomeAmount` | Investment income credits received (INR)    |
| `totalInvestmentIncomeTxn`    | Investment income credit transaction count  |
| `totalEstimatedIncome`        | Estimated income transaction count          |

### Insurance, Utilities, ECS/NACH

| Field                   | Description                                |
| ----------------------- | ------------------------------------------ |
| `totalInsuranceAmount`  | Insurance premium debit amount (INR)       |
| `totalInsuranceTxn`     | Insurance transaction count                |
| `totalInsuranceExpense` | Insurance expense indicator (1 = detected) |
| `totalUtilitiesAmount`  | Utility bill payment amount (INR)          |
| `totalUtilitiesTxn`     | Utility transaction count                  |
| `totalEcsNachAmount`    | ECS / NACH debit amount (INR)              |
| `totalEcsNachTxn`       | ECS / NACH transaction count               |

### Credit Card

| Field                            | Description                              |
| -------------------------------- | ---------------------------------------- |
| `totalCreditCardAmount`          | Total credit card payment amount (INR)   |
| `totalCreditCardTxn`             | Credit card payment transaction count    |
| `groupedCreditCardPaymentAmount` | Grouped credit card payment amount (INR) |
| `groupedCreditCardPaymentCount`  | Grouped credit card payment count        |
| `totalCardSettlementAmount`      | Card settlement amount (INR)             |
| `totalCardSettlementTxn`         | Card settlement transaction count        |

### Cheque / DD

| Field                                           | Description                             |
| ----------------------------------------------- | --------------------------------------- |
| `totalChqIssueAmount` / `totalChqIssueTxns`     | Cheque issued amount and count          |
| `totalChqDepositAmount` / `totalChqDepositTxns` | Cheque deposited amount and count       |
| `totalDdIssueAmount` / `totalDdIssueTxn`        | Demand draft issued amount and count    |
| `totalDdCancelAmount` / `totalDdCancelTxn`      | Demand draft cancelled amount and count |

### Interest & Tax

| Field                                                                   | Description                                     |
| ----------------------------------------------------------------------- | ----------------------------------------------- |
| `totalInterestCreditAmount` / `totalInterestCreditTransactions`         | Interest credited amount and count              |
| `totalInterestReceivedAmount` / `totalInterestReceivedTxn`              | Interest received (savings/FD) amount and count |
| `totalInterestPaidAmount` / `totalInterestPaidTxn`                      | Interest paid on OD/loan amount and count       |
| `totalInterestCollectionAmount` / `totalInterestCollectionTransactions` | Interest collection amount and count            |
| `totalOtherIncomeAmount`                                                | Other income credit amount (INR)                |
| `totalTaxPayment`                                                       | Tax payment debit amount (INR)                  |

### Overdraft / Limit Utilisation

| Field                                         | Description                                       |
| --------------------------------------------- | ------------------------------------------------- |
| `overdrawnDays`                               | Number of days with negative EOD balance          |
| `averageUtilisation` / `averageLimitUtilized` | Average credit limit utilisation                  |
| `negativeAverageUtilisation`                  | Average utilisation on days with negative balance |
| `totalLimitUtilized`                          | Total limit utilised amount (INR)                 |
| `averageLimitDeposit`                         | Average deposit towards limit (INR)               |
| `highestUtilisationClosingBalance`            | Highest closing balance utilisation               |
| `lowestUtilisationClosingBalance`             | Lowest closing balance utilisation                |
| `averageDailyUtilisationClosingBalance`       | Average daily utilisation closing balance         |
| `averageOfNegativeDailyBalances`              | Average of negative EOD balances (INR)            |
| `sumOfNegativeDailyBalances`                  | Sum of all negative EOD balances (INR)            |
| `minOfNegativeDailyBalances`                  | Most negative EOD balance recorded (INR)          |

### Wallet / Holiday / Sweep

| Field                                             | Description                                  |
| ------------------------------------------------- | -------------------------------------------- |
| `totalAmountWalletDebitTnx`                       | Wallet debit transaction amount (INR)        |
| `totalWalletDebitTnx`                             | Wallet debit transaction count               |
| `totalHolidayTransactionAmount`                   | Transactions on bank holidays — amount (INR) |
| `totalHolidayTransactionTxn`                      | Transactions on bank holidays — count        |
| `totalCreditSweepAmount` / `totalCreditSweepTxns` | Credit sweep amount and count                |
| `totalDebitSweepAmount` / `totalDebitSweepTxns`   | Debit sweep amount and count                 |

***

## overall

Cross-account aggregate. Contains the same `analysis` structure as a per-account entry, with two additional sections.

```
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[]
```

***

## Usage Notes

* All monetary values are in Indian Rupees (INR).
* `cashflow.overall` contains the same fields as individual `cashflow.monthly` entries; it represents the aggregate across the entire statement period (no `year`, `month`, or `monthName` fields).
* `accounts[].analysis.cashflow` is scoped to that single account. `overall.analysis.cashflow` aggregates across all linked accounts.
* `completeCategoryWiseAnalysis` is only present at the per-account level. Cross-account category analysis is not included in `overall`.
* `recurringCredits` and `recurringDebits` are only present in `overall` — they reflect patterns detected across all accounts.
* `salaryFiltered = true` in a recurring group means the group was identified as a salary pattern and excluded from the generic recurring credit list.
* Fields with two names (e.g., `totalCreditTxn` / `totalCreditTransactions`) are aliases carrying the same value — both may appear in the response.