RethinkFin Beta

2 statements · 183 transactions

January – June 2026

About ₹31,450 spare each month

This is a sample built from two made-up statements, so you can see what you'll get. Check your own statements — they're read in memory and never stored.

Came in

₹90,000

a month from regular income

Went out

₹48,550

a month

Put away

₹10,000

a month in investments

Spare

₹31,450

a month on average

Spare, month by month Tightest: April, ₹28,159 spare

Averaged over 5 full months.

Your money map

Totals for the whole period, one-off money in included. Across both accounts. ₹1,20,000 you moved between your own accounts is not counted as spending.

Came in

₹5,40,000

Spent

₹2,91,587

Invested

₹60,000

Spare in total

₹1,88,413

35% of what came in

Spending by month SpentCame in

Spending held steady between January and June.

Where it went

  • Rent & housing₹1,32,000
  • Groceries₹44,818
  • Cash withdrawals₹30,000
  • Food & delivery₹28,001
  • Shopping₹17,912
  • Bills & recharges₹16,194
  • Other payments₹8,994
  • Transport₹6,320
All 11 categories
  • Subscriptions₹4,132
  • UPI payments₹3,890

    6 payments to 1 payee, grouped by name and UPI ID. Select a payee to see its payments.

    PayeeUPI IDPaymentsLast paidTotal
    random.store
    ••tore@okaxis    		 ••tore@okaxis 6 22 Jun ₹3,890
  • Bank fees₹625

Regular payments

Everything that went out on a repeat, at the rate seen in these statements. 1 has stopped.

₹41,856a month while they keep running

Commitments · ₹24,699 a month

Loans, rent, insurance and bills.

Paid toUsuallyHow oftenLast paidA year
Rent Payment Landlord
Rent & housing		 ₹22,000 Monthly, 6 times 4 Jun 2026 ₹2,64,000
Bescom Electricity Bill
Bills & recharges		 ₹2,100 Monthly, 6 times 10 Jun 2026 ₹25,200
Airtel Mobile Bill Recharge
Bills & recharges		 ₹599 Monthly, 6 times 12 Jun 2026 ₹7,188

Investments · ₹10,000 a month

Money you put away. Not spending.

Paid toUsuallyHow oftenLast paidA year
Groww
Invested		 ₹10,000 Monthly, 6 times 5 Jun 2026 ₹1,20,000

Subscriptions and other · ₹7,157 a month

Worth checking you still need each one.

Paid toUsuallyHow oftenLast paidA year
ATM Cash Withdrawal
Cash withdrawals		 ₹5,000 Monthly, 6 times 15 Jun 2026 ₹60,000
Cultfit Membership
Other payment · Possible leak →		 ₹1,499 Monthly, 6 times 7 Jun 2026 ₹17,988
Netflix
Subscriptions · Possible leak →		 ₹649 Monthly, 6 times 5 Jun 2026 ₹7,788
Sms Alert Charges Qtr Incl Gst
Bank fees		 ₹18 Repeats, 2 times 28 Jun 2026 ₹106
Spotify
Subscriptions		 ₹119 Repeats, 2 times 16 Feb 2026
Stopped		 —

Possible leaks

₹75,256 a year

4 things worth a look, at the pace seen in these statements. Start with the biggest.

Small spends adding up

Small spendsGood evidence

₹48,818a year

76 payments of ₹500 or less came to ₹23,941, about ₹48,818 a year, mostly Swiggy (24), Blinkit (18), Uber (15). It rose from ₹2,814 in Jan 2026 to ₹5,522 in Jun 2026.

What you can do Pick the one or two habits that matter least to you and set a monthly cap for them.
Show the 76 transactions
22 Jun 2026UPI/[REDACTED_UPI]/payment₹487.00
20 Feb 2026UPI/[REDACTED_UPI]/payment₹466.00
19 Jun 2026UPI/[REDACTED_UPI]/Swiggy order₹462.00
24 Jan 2026UPI/[REDACTED_UPI]/Uber trip₹459.00
15 Jun 2026UPI/[REDACTED_UPI]/Zomato₹459.00
16 May 2026UPI/[REDACTED_UPI]/Uber trip₹444.00
06 Apr 2026UPI/[REDACTED_UPI]/Swiggy order₹436.00
09 Jun 2026UPI/[REDACTED_UPI]/Zomato₹428.00

Showing 8 of 76. See all of them in your transactions.

Cultfit Membership: recurring payment

Recurring paymentStrong evidence

₹17,988a year

About ₹1,499 was charged 6 times between 7 Jan 2026 and 7 Jun 2026, and it was still running at the end of this statement. That is about ₹17,988 a year.

What you can do If you no longer use it, cancel it with the merchant and stop the mandate so it cannot restart. Cancel a NACH or ECS mandate →
Show the 6 transactions
07 Jan 2026NACH DR CULTFIT MEMBERSHIP₹1,499.00
07 Feb 2026NACH DR CULTFIT MEMBERSHIP₹1,499.00
07 Mar 2026NACH DR CULTFIT MEMBERSHIP₹1,499.00
07 Apr 2026NACH DR CULTFIT MEMBERSHIP₹1,499.00
07 May 2026NACH DR CULTFIT MEMBERSHIP₹1,499.00
07 Jun 2026NACH DR CULTFIT MEMBERSHIP₹1,499.00

Netflix: recurring payment

Recurring paymentStrong evidence

₹7,788a year

About ₹649 was charged 6 times between 5 Jan 2026 and 5 Jun 2026, and it was still running at the end of this statement. That is about ₹7,788 a year.

What you can do If you no longer use it, cancel it with the merchant and stop the mandate so it cannot restart. Stop a recurring card payment →
Show the 6 transactions
05 Jan 2026POS NETFLIX.COM MUMBAI₹649.00
05 Feb 2026POS NETFLIX.COM MUMBAI₹649.00
05 Mar 2026POS NETFLIX.COM MUMBAI₹649.00
05 Apr 2026POS NETFLIX.COM MUMBAI₹649.00
05 May 2026POS NETFLIX.COM MUMBAI₹649.00
05 Jun 2026POS NETFLIX.COM MUMBAI₹649.00

Bank fees and charges

FeesGood evidence

₹662a year

3 fee or charge debits totalling ₹625 in this statement, about ₹662 a year at this rate. Charges like minimum-balance penalties, SMS alerts and card fees can often be waived or avoided.

What you can do Ask your bank what each charge is for and whether it can be reversed, waived or avoided with a different account or card variant.
Show the 3 transactions
20 Apr 2026DEBIT CARD ANNUAL FEE₹590.00
28 Mar 2026SMS ALERT CHARGES QTR INCL GST₹17.70
28 Jun 2026SMS ALERT CHARGES QTR INCL GST₹17.70

Moved between your accounts

₹1,20,000 in 6 transfers, left out of income and spending.

  • Statement 1 → Statement 2
    3 Jan · arrived after 1 day     ₹20,000
  • Statement 1 → Statement 2
    3 Feb · arrived after 1 day     ₹20,000
  • Statement 1 → Statement 2
    3 Mar · arrived after 1 day     ₹20,000
  • Statement 1 → Statement 2
    3 Apr · arrived after 1 day     ₹20,000
  • Statement 1 → Statement 2
    3 May · arrived after 1 day     ₹20,000
  • Statement 1 → Statement 2
    3 Jun · arrived after 1 day     ₹20,000

All transactions

DateNarrationCategoryAccountAmount
NEFT CR ACME TECHNOLOGIES SALARY JAN Income Statement 1 +₹90,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,128.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹331.00
NEFT DR TO HDFC BANK A/C XX4521 Between your accounts Statement 1 −₹20,000.00
IMPS/RENT PAYMENT/LANDLORD Rent & housing Statement 1 −₹22,000.00
NEFT CR SBI XX9911 OWN Between your accounts Statement 2 +₹20,000.00
ACH DR GROWW SIP MUTUAL FUND Invested Statement 1 −₹10,000.00
POS NETFLIX.COM MUMBAI Subscriptions Statement 2 −₹649.00
NACH DR CULTFIT MEMBERSHIP Other payment Statement 1 −₹1,499.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹951.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹291.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹408.00
BESCOM ELECTRICITY BILL Bills & recharges Statement 1 −₹2,050.00
AIRTEL MOBILE BILL RECHARGE Bills & recharges Statement 1 −₹599.00
UPI/[REDACTED_UPI]/payment UPI payment Statement 1 −₹732.00
POS THE BOMBAY CANTEEN RESTAURANT Food & delivery Statement 2 −₹1,813.00
ATM CASH WITHDRAWAL Cash withdrawals Statement 1 −₹5,000.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹292.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹2,418.00
POS SPOTIFY INDIA Subscriptions Statement 2 −₹119.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹251.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹236.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹163.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,463.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹512.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹459.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹264.00
POS AMAZON SELLER SERVICES Shopping Statement 2 −₹3,613.00
NEFT CR ACME TECHNOLOGIES SALARY FEB Income Statement 1 +₹90,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,469.00
NEFT DR TO HDFC BANK A/C XX4521 Between your accounts Statement 1 −₹20,000.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹518.00
IMPS/RENT PAYMENT/LANDLORD Rent & housing Statement 1 −₹22,000.00
NEFT CR SBI XX9911 OWN Between your accounts Statement 2 +₹20,000.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹299.00
ACH DR GROWW SIP MUTUAL FUND Invested Statement 1 −₹10,000.00
POS NETFLIX.COM MUMBAI Subscriptions Statement 2 −₹649.00
POS AMAZON SELLER SERVICES Shopping Statement 2 −₹2,756.00
NACH DR CULTFIT MEMBERSHIP Other payment Statement 1 −₹1,499.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,218.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹328.00
BESCOM ELECTRICITY BILL Bills & recharges Statement 1 −₹1,910.00
AIRTEL MOBILE BILL RECHARGE Bills & recharges Statement 1 −₹599.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹267.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹242.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹403.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹370.00
POS THE BOMBAY CANTEEN RESTAURANT Food & delivery Statement 2 −₹2,728.00
ATM CASH WITHDRAWAL Cash withdrawals Statement 1 −₹5,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,340.00
POS SPOTIFY INDIA Subscriptions Statement 2 −₹119.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹248.00
UPI/[REDACTED_UPI]/payment UPI payment Statement 1 −₹466.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹2,463.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹185.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹283.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹335.00
NEFT CR ACME TECHNOLOGIES SALARY MAR Income Statement 1 +₹90,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,627.00
NEFT DR TO HDFC BANK A/C XX4521 Between your accounts Statement 1 −₹20,000.00
IMPS/RENT PAYMENT/LANDLORD Rent & housing Statement 1 −₹22,000.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹258.00
NEFT CR SBI XX9911 OWN Between your accounts Statement 2 +₹20,000.00
ACH DR GROWW SIP MUTUAL FUND Invested Statement 1 −₹10,000.00
POS NETFLIX.COM MUMBAI Subscriptions Statement 2 −₹649.00
NACH DR CULTFIT MEMBERSHIP Other payment Statement 1 −₹1,499.00
POS THE BOMBAY CANTEEN RESTAURANT Food & delivery Statement 2 −₹2,305.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹515.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,329.00
BESCOM ELECTRICITY BILL Bills & recharges Statement 1 −₹1,910.00
AIRTEL MOBILE BILL RECHARGE Bills & recharges Statement 1 −₹599.00
POS AMAZON SELLER SERVICES Shopping Statement 2 −₹2,284.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹287.00
ATM CASH WITHDRAWAL Cash withdrawals Statement 1 −₹5,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹2,272.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹358.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹382.00
NEFT CR REFUND MYNTRA Refunds Statement 1 +₹1,299.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹303.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹311.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹386.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹414.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,446.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹307.00
UPI/[REDACTED_UPI]/payment UPI payment Statement 1 −₹851.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹337.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹381.00
SMS ALERT CHARGES QTR INCL GST Bank fees Statement 1 −₹17.70
NEFT CR ACME TECHNOLOGIES SALARY APR Income Statement 1 +₹90,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹2,429.00
NEFT DR TO HDFC BANK A/C XX4521 Between your accounts Statement 1 −₹20,000.00
IMPS/RENT PAYMENT/LANDLORD Rent & housing Statement 1 −₹22,000.00
NEFT CR SBI XX9911 OWN Between your accounts Statement 2 +₹20,000.00
ACH DR GROWW SIP MUTUAL FUND Invested Statement 1 −₹10,000.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹300.00
POS NETFLIX.COM MUMBAI Subscriptions Statement 2 −₹649.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹266.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹436.00
NACH DR CULTFIT MEMBERSHIP Other payment Statement 1 −₹1,499.00
POS THE BOMBAY CANTEEN RESTAURANT Food & delivery Statement 2 −₹3,080.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹2,097.00
BESCOM ELECTRICITY BILL Bills & recharges Statement 1 −₹1,910.00
AIRTEL MOBILE BILL RECHARGE Bills & recharges Statement 1 −₹599.00
POS AMAZON SELLER SERVICES Shopping Statement 2 −₹3,279.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹332.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹348.00
ATM CASH WITHDRAWAL Cash withdrawals Statement 1 −₹5,000.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹260.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,777.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹181.00
UPI/[REDACTED_UPI]/payment UPI payment Statement 1 −₹819.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹278.00
DEBIT CARD ANNUAL FEE Bank fees Statement 1 −₹590.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹417.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹2,095.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹286.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹314.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹276.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹324.00
NEFT CR ACME TECHNOLOGIES SALARY MAY Income Statement 1 +₹90,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,307.00
NEFT DR TO HDFC BANK A/C XX4521 Between your accounts Statement 1 −₹20,000.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹260.00
IMPS/RENT PAYMENT/LANDLORD Rent & housing Statement 1 −₹22,000.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹255.00
NEFT CR SBI XX9911 OWN Between your accounts Statement 2 +₹20,000.00
ACH DR GROWW SIP MUTUAL FUND Invested Statement 1 −₹10,000.00
POS NETFLIX.COM MUMBAI Subscriptions Statement 2 −₹649.00
POS AMAZON SELLER SERVICES Shopping Statement 2 −₹2,584.00
NACH DR CULTFIT MEMBERSHIP Other payment Statement 1 −₹1,499.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹385.00
POS THE BOMBAY CANTEEN RESTAURANT Food & delivery Statement 2 −₹3,004.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,213.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹295.00
BESCOM ELECTRICITY BILL Bills & recharges Statement 1 −₹2,410.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹328.00
AIRTEL MOBILE BILL RECHARGE Bills & recharges Statement 1 −₹599.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹342.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹341.00
ATM CASH WITHDRAWAL Cash withdrawals Statement 1 −₹5,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,665.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹444.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹241.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹277.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹252.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹2,461.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹304.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹309.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹285.00
UPI/[REDACTED_UPI]/payment UPI payment Statement 1 −₹535.00
NEFT CR ACME TECHNOLOGIES SALARY JUN Income Statement 1 +₹90,000.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,351.00
NEFT DR TO HDFC BANK A/C XX4521 Between your accounts Statement 1 −₹20,000.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹356.00
IMPS/RENT PAYMENT/LANDLORD Rent & housing Statement 1 −₹22,000.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹389.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹362.00
NEFT CR SBI XX9911 OWN Between your accounts Statement 2 +₹20,000.00
ACH DR GROWW SIP MUTUAL FUND Invested Statement 1 −₹10,000.00
POS NETFLIX.COM MUMBAI Subscriptions Statement 2 −₹649.00
NACH DR CULTFIT MEMBERSHIP Other payment Statement 1 −₹1,499.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹269.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹914.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹428.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹278.00
BESCOM ELECTRICITY BILL Bills & recharges Statement 1 −₹2,410.00
AIRTEL MOBILE BILL RECHARGE Bills & recharges Statement 1 −₹599.00
POS AMAZON SELLER SERVICES Shopping Statement 2 −₹3,396.00
POS THE BOMBAY CANTEEN RESTAURANT Food & delivery Statement 2 −₹2,087.00
ATM CASH WITHDRAWAL Cash withdrawals Statement 1 −₹5,000.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹459.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹1,045.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹462.00
UPI/[REDACTED_UPI]/Swiggy order Food & delivery Statement 1 −₹337.00
UPI/[REDACTED_UPI]/payment UPI payment Statement 1 −₹487.00
UPI/[REDACTED_UPI]/BigBasket Groceries Statement 1 −₹2,349.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹329.00
UPI/[REDACTED_UPI]/Zomato Food & delivery Statement 1 −₹401.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹200.00
UPI/[REDACTED_UPI]/Blinkit Groceries Statement 1 −₹177.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹353.00
UPI/[REDACTED_UPI]/Uber trip Transport Statement 2 −₹235.00
SMS ALERT CHARGES QTR INCL GST Bank fees Statement 1 −₹17.70
183 transactions
How we read your statements

Statement 1 · CSV

139 transactions, January to June. Opening and closing balances match the transactions.

Statement 2 · CSV

44 transactions, January to June. Opening and closing balances match the transactions.

Needs a closer look

12 payments (₹12,884) didn't match a known merchant, so they're shown by how they were paid, such as "UPI payments" or "NEFT transfers".

Yearly amounts assume the pace seen in these statements continues. Categories come from the payment description and can be wrong, so check the transactions before acting. Information, not financial advice.