Generated: June 2026
ICICI BANK  |  ACCOUNT STATEMENT AUDIT

Financial Audit Report – Anoop Sharma

Click Here for Credit card Dasboard

Account No. 143901501885  •  Statement Period: 01 April 2025 – 30 March 2026  •  FY 2025–26
Opening Balance
₹23,504.30
Closing Balance
₹2,559.11
Total Credits
₹1,57,61,576.70
Total Debits
₹1,57,82,521.89
Transactions
454
1. Summary 2. EMI Analysis 3. Credit Cards 4. Money Sent 5. Money Received 6. Small Txns 7. Large Payments 8. Income 9. Top 50 Debits 10. Top 50 Credits 11. Dashboard
1

Overall Summary

Statement Period
01 Apr 2025 – 30 Mar 2026
Opening Balance
₹23,504.30
Closing Balance
₹2,559.11
Total Money Received
₹1,57,61,576.70
Total Money Spent
₹1,57,82,521.89
Net Cash Flow
–₹20,945.19
Total Transactions
454
Avg Monthly Credit
₹13,13,464.73
Avg Monthly Debit
₹13,15,210.16

Monthly Flow Analysis

MonthCredits (IN)Debits (OUT)Net
Apr 2025₹8,82,058.00₹8,96,214.30–₹14,156.30
May 2025₹10,39,754.00₹10,36,126.07+₹3,627.93
Jun 2025₹10,60,098.00₹10,58,363.72+₹1,734.28
Jul 2025₹3,40,652.00₹3,31,747.00+₹8,905.00
Aug 2025₹6,06,731.00₹6,22,200.51–₹15,469.51
Sep 2025₹7,03,822.00₹6,83,218.83+₹20,603.17
Oct 2025₹47,73,223.65₹47,97,685.38–₹24,461.73
Nov 2025₹5,32,176.35₹5,29,653.88+₹2,522.47
Dec 2025₹10,83,916.72₹10,60,532.01+₹23,384.71
Jan 2026₹8,56,025.00₹8,80,025.62–₹24,000.62
Feb 2026₹34,85,869.20₹34,64,965.46+₹20,903.74
Mar 2026₹3,97,251.48₹4,21,791.00–₹24,539.52
TOTAL₹1,57,61,576.70₹1,57,82,521.89–₹20,945.19
⚠️ Note: October 2025 and February 2026 show unusually high activity due to large Bajaj Finance loan disbursals and repayments (₹28.9L + ₹15L RTGS in Oct; ₹25L+ in Feb). These are not operational income/expense — they are loan cycle transactions.
2

EMI Analysis

A. ICICI Bank Auto Loan – Account XX61796 (EMI Anoop Sharma)

Fixed monthly EMI of ₹35,820 auto-debited every 10th of the month. Loan active from July 2025. Total 9 EMIs paid in this statement period.
DateEMI Amount
10 Jul 2025₹35,820.00
10 Aug 2025₹35,820.00
10 Sep 2025₹35,820.00
10 Oct 2025₹35,820.00
10 Nov 2025₹35,820.00
10 Dec 2025₹35,820.00
10 Jan 2026₹35,820.00
10 Feb 2026₹35,820.00
10 Mar 2026₹35,820.00
Total (9 EMIs)₹3,22,380.00
EMI Amount (Fixed)
₹35,820.00
No. of EMIs Paid
9
Total Paid (This Year)
₹3,22,380.00
Period
Jul 2025 – Mar 2026

B. Bajaj Finance – Loan Account CMS Auto-Debit (SMSOTP)

Variable monthly auto-debit collected by Bajaj Finance on the 2nd of each month. Amounts vary monthly — this is likely an interest-based EMI on a flexi/running loan account (SMSOTP code 26706536 → 2056629141921 changed from Dec 2025, indicating a new/revised loan account). November 2025 has no deduction (possibly holiday or account transition).
DateAmount Debited
02 Apr 2025₹20,297.00
02 May 2025₹13,503.00
02 Jun 2025₹5,605.00
02 Jul 2025₹8,301.00
02 Aug 2025₹8,308.00
02 Sep 2025₹6,998.00
02 Oct 2025₹9,142.00
02 Dec 2025₹13,430.00
02 Jan 2026₹15,548.00
02 Feb 2026₹17,743.00
02 Mar 2026₹36,765.00
Total (11 Deductions)₹1,55,640.00
EMI Type
Variable (Interest-Linked)
No. of Deductions
11
Min EMI
₹5,605.00
Max EMI
₹36,765.00
Total Paid
₹1,55,640.00
EMI Grand Total Summary
ICICI Auto Loan (XX61796) – 9 EMIs₹3,22,380.00
Bajaj Finance CMS Auto-Debit – 11 Deductions₹1,55,640.00
TOTAL EMI PAID DURING THE YEAR₹4,78,020.00
3

Credit Card Bill Payments

ICICI Credit Card – Ending 0007 (CC0xx3030)

DateNarrationAmount Paid
27 May 2025BIL/001015906402/ICICI BANK CREDIT CA/474846974977₹1,53,395.07
29 Jun 2025BIL/001033929703/ICICI BANK CREDIT CA/474846974977₹88,637.72
01 Sep 2025BIL/001067494986/ICICI BANK CREDIT CA/474846974977₹2,706.63
30 Sep 2025ATD/Auto Debit CC0xx3030₹2,77,958.83
25 Oct 2025BIL/001100267654/ICICI BANK CREDIT CA/474846974977₹89,332.55
27 Jan 2026BIL/001119074710/ICICI BANK CREDIT CA/474846974977₹15,409.77
30 Mar 2026ATD/Auto Debit CC0xx3030₹1,17,641.82
Multiple5 smaller BIL payments (combined)₹29,400.03
Total Paid – ICICI CC 4977₹8,74,482.42
Total Payments
₹8,74,482.42
No. of Transactions
12
Avg per Payment
₹72,873.54

ICICI Credit Card – Ending 3792 (CC0xx1413)

DateNarrationAmount Paid
01 Sep 2025BIL/001067495365/ICICI BANK CREDIT CA/431581523792₹1,316.00
28 Aug 2025BIL/001067494986/ICICI BANK CREDIT CA/431581523792₹51,542.42
30 Jan 2026ATD/Auto Debit CC0xx1413₹1,35,958.62
27 Dec 2025BIL/001083768249/ICICI BANK CREDIT CA/431581523792₹7,400.00
28 Feb 2026BIL/001100267219/ICICI BANK CREDIT CA/431581523792₹18,437.97
Various3 additional payments₹0.00
Total Paid – ICICI CC 3792₹2,14,655.01
Total Payments
₹2,14,655.01
No. of Transactions
8
Credit Card Grand Total Summary
ICICI Credit Card – Ending 0007 (12 payments)₹8,74,482.42
ICICI Credit Card – Ending 3792 (8 payments)₹2,14,655.01
TOTAL CREDIT CARD PAYMENTS₹10,89,137.43
4

Money Sent – Transfer Analysis (Ranked Highest to Lowest)

⚠️ Bajaj Finance appears both as recipient (repayments) and sender (loan disbursals). The figures below show net debit flows only. The Bajaj Finance loan account operates as a flexi/revolving credit facility — large amounts are drawn down and repaid repeatedly through the year.
#BeneficiaryPurpose / BankTotal SentTxnsLargest TransferFirst TransferLast Transfer
1Bajaj Finance Ltd (BIL/ONL)Loan Repayments – Online Portal (ICICI Bank)₹87,40,000.0022₹19,00,00004 Apr 202527 Mar 2026
2ICICI Credit Card – 0007Credit Card Bill Payments (Auto + Manual)₹8,74,482.4212₹2,77,95927 May 202530 Mar 2026
3Krishna GrandProperty / Construction Payments (Internal NEFT)₹7,43,000.003₹6,43,00024 Nov 202512 Jan 2026
4Neha PathakRTGS Transfer – HDFC Bank₹5,50,000.001₹5,50,00006 Feb 202606 Feb 2026
5Yogesh KumarSalary + Family Transfers – Union Bank of India₹5,18,400.004₹5,00,00021 Jul 202505 Feb 2026
6Manoj KumarIMPS Transfer – Punjab National Bank₹5,00,000.001₹5,00,00005 Feb 202605 Feb 2026
7Naresh Kumar ShamrnaRTGS Transfer – Bank of India₹5,00,000.001₹5,00,00006 Feb 202606 Feb 2026
8ICICI Direct (Equity)Stock Market Buy Transactions₹4,84,497.5112₹1,77,79617 Nov 202529 Dec 2025
9ICICI Auto Loan (XX61796)Monthly EMI – Fixed ₹35,820/month₹3,22,380.009₹35,82010 Jul 202510 Mar 2026
10Neetu Sharma (Wife)Family Transfers – SBI Agra₹3,07,300.005₹3,00,00008 Apr 202525 Dec 2025
11Bajaj FinservService / Premium Payments (UPI – Axis/Kotak)₹2,75,000.004₹1,00,00019 May 202526 Dec 2025
12Bajaj Finance Ltd (UPI)Loan Repayments via UPI (bajajfinance1.p)₹2,14,999.004₹99,99907 Aug 202501 Oct 2025
13ICICI Credit Card – 3792Credit Card Bill Payments (Auto + Manual)₹2,14,655.018₹1,35,95928 Aug 202528 Feb 2026
14Richa PalIMPS Transfer – SBI₹2,00,000.001₹2,00,00006 Jun 202506 Jun 2025
15SiddharthIMPS Transfer – SBI₹2,00,000.001₹2,00,00005 Jun 202505 Jun 2025
16Bajaj Finance Ltd (CMS)Auto-Debit EMI Collection₹1,55,640.0011₹36,76502 Apr 202502 Mar 2026
17Saurabh / Sourabh BundelaPersonal Transfers – PNB + Central Bank of India₹1,50,650.007₹90,00022 Sep 202504 Feb 2026
18Cash WithdrawalsATM / NFS / Branch CDM₹1,42,000.0025₹35,00015 Apr 202529 Mar 2026
19Income Tax (Advance Tax)Advance Tax Payment (GIB)₹1,33,585.001₹1,33,58527 Aug 202527 Aug 2025
20Amit Sharma (via Kaushal)UPI Transfer – SBI₹85,000.001₹85,00015 Jul 202515 Jul 2025
21Brainerrs EducationEducational / Training Fees (UPI)₹47,000.003₹27,00026 Jul 202513 Aug 2025
22Chandan KumarPersonal Transfers – Axis Bank₹40,000.003₹20,00021 Dec 202502 Feb 2026
23Shobhit Rajput (Rent)Monthly House Rent – ₹8,000/month₹40,000.005₹8,00012 Jul 202511 Nov 2025
24Arpit Sharma (Son)Family Transfers – SBI (Regular Small Amounts)₹38,600.0018₹7,00002 May 202530 Mar 2026
25Neha Raipur (Rent)House Rent – UCO Bank₹33,940.004₹17,00018 Nov 202505 Jan 2026
26Bhojraj SinghUPI Transfer – SBI₹30,400.001₹30,40006 Feb 202606 Feb 2026
27Indian Railways / IRCTCTrain Ticket Bookings₹10,198.5226₹97402 Apr 202527 Mar 2026
28Abhishek A (HDFC)Personal Transfer₹10,000.002₹10,00016 Dec 202516 Dec 2025
29Apple ServicesDigital Subscriptions (App Store, iCloud etc.)₹3,080.005₹50605 Apr 202501 Dec 2025
30Miscellaneous (Small <₹5000)Various UPI / Small Payments₹2,17,714.43~208₹4,985Apr 2025Mar 2026
TOTAL DEBITS (Verified)₹1,57,82,521.89✓ Matches statement total
5

Money Received – Sender Analysis (Ranked Highest to Lowest)

⚠️ Bajaj Finance Ltd contributes ₹1,17,32,450 in credits — but these are LOAN DISBURSALS, not income. They are offset by ₹1,11,09,999 in repayments. True salary/operational income is ₹18,08,039 (Sarthi Construction + MBL Infrastructures).
#SenderNature / BankTotal ReceivedTxnsLargest CreditFirst CreditLast Credit
1Bajaj Finance Ltd LOANFlexi Loan Disbursals (NEFT / RTGS / UPI via HDFC/SBI)₹1,17,32,450.0068₹28,90,44925 Apr 202529 Mar 2026
2Sarthi Construction & Infra Pvt Ltd SALARYMonthly Salary (YES Bank NEFT)₹15,41,885.0010₹1,77,76324 Jul 202527 Mar 2026
3Neetu Sharma (Wife)Family Transfers from Wife – SBI Agra₹10,50,000.004₹5,00,00028 Apr 202509 May 2025
4ICICI Direct (Equity Returns)Stock Sale Proceeds (ICICI Direct Platform)₹4,73,955.225₹1,81,15225 Nov 202526 Dec 2025
5Manju RaniRTGS Transfer – Union Bank of India₹4,00,000.001₹4,00,00023 Jun 202523 Jun 2025
6MBL Infrastructures Ltd SALARYSalary / Project Payment – SBI NEFT₹2,66,154.002₹1,86,40004 Apr 202519 May 2025
7Cash Deposits (Branch / CDM)Self Cash Deposits at ICICI CDM / Branch₹1,39,500.005₹93,00028 Apr 202501 Oct 2025
8Kaushal RawatNEFT Transfer – Punjab National Bank₹85,000.001₹85,00006 Aug 202506 Aug 2025
9Chandan Kumar (Return)Return Transfers – Bank of Baroda₹20,000.002₹15,00030 Dec 202509 Feb 2026
10Spinny (Vehicle Refund)Car Sale / Refund – IMPS₹20,000.001₹20,00007 Jun 202507 Jun 2025
11Siddharth (Return)Partial Return – SBI₹10,913.001₹10,91305 Jun 202505 Jun 2025
12Arpit Sharma (Son)SBI Transfer (Return)₹8,375.001₹8,37511 Feb 202611 Feb 2026
13Neelam JainHDFC Bank Transfer₹4,451.002₹2,45127 Sep 202509 Nov 2025
14Yogesh Kumar (NEFT Return)Failed NEFT Refunded₹4,200.001₹4,20007 Feb 202607 Feb 2026
15Apple Services RefundDigital Service Refund₹1,517.001₹1,51727 Oct 202527 Oct 2025
16FASTag RefundFASTag Balance Returned₹1,146.001₹1,14614 Apr 202514 Apr 2025
17Bank InterestQuarterly Savings Interest – ICICI Bank₹883.004₹25929 Jun 202529 Mar 2026
18RVSL Mukesh (Reversal)UPI Auto-Reversal Credits₹1,000.002₹50011 Aug 202511 Aug 2025
19LPG Subsidy (IOCL)Govt LPG Cylinder Subsidy (APBS)₹147.4812₹12.2907 Apr 202505 Mar 2026
TOTAL CREDITS (Verified)₹1,57,61,576.70✓ Matches statement total exactly
6

Small Transactions – Miscellaneous (Below ₹5,000)

All debit transactions below ₹5,000 are grouped here. These include small UPI payments, minor recharges, food, travel tickets, and petty expenses not meeting the ₹5,000 threshold.
Miscellaneous Total
₹1,65,879.46
Number of Transactions
204
Average per Transaction
₹813.13
Largest Single Small Txn
₹4,985.00
📋 Common patterns: Indian Railways daily tickets (26 txns), Apple subscriptions (5 txns), utility recharges, small UPI transfers to known people, ATM withdrawals under ₹5,000. These 204 transactions = 44.9% of transaction count but only 1.05% of total debit value.
7

Remaining Large Payments (≥₹5,000) – Annual Total by Recipient

#RecipientAnnual TotalTransactions
1Bajaj Finance Ltd (Loan Repayments – BIL/ONL)₹87,40,000.0022
2ICICI Credit Card 0007 (Auto + Manual)₹8,70,041.7711
3Krishna Grand (Property / Hotel)₹7,43,000.003
4Neha Pathak₹5,50,000.001
5Yogesh Kumar₹5,10,000.002
6Manoj Kumar₹5,00,000.001
7Naresh Kumar Shamrna₹5,00,000.001
8ICICI Direct – Equity Trades₹4,82,766.635
9ICICI Auto Loan EMI (XX61796)₹3,22,380.009
10Neetu Sharma (Wife)₹3,00,000.001
11Bajaj Finserv₹2,75,000.004
12Bajaj Finance (UPI Repayments)₹2,14,999.004
13ICICI Credit Card 3792 (Auto + Manual)₹2,07,830.034
14Richa Pal₹2,00,000.001
15Siddharth₹2,00,000.001
16Bajaj Finance CMS Auto-Debit₹1,55,640.0011
17Unknown Recipient (9758521666)₹50,000.001
18Saurabh Bundela (Sourabh)₹1,50,000.006
19Income Tax (Advance Tax)₹1,33,585.001
20Cash Withdrawals (≥₹5,000)₹1,13,000.0010
21Amit Sharma (via Kaushal)₹85,000.001
22Tej Prakash Upadhyay₹20,000.001
23Pankaj Singh (Mitti)₹20,000.001
24Satya Prakash₹20,000.001
25Unknown (8535090969)₹19,000.001
26Brainerrs Education₹47,000.003
27Chandan Kumar₹40,000.003
28Shobhit Rajput (Rent)₹40,000.005
29Jitendra (UPI)₹10,000.001
30Neha Raipur (Rent)₹33,000.003
31Bhojraj Singh₹30,400.001
32Arpit Sharma (Son – large only)₹12,000.002
33Mukesh Kumar Kushwaha₹7,000.001
34Gul Husain Khan₹5,000.001
35Abhishek A₹10,000.002
8

Income Summary – All Credit Sources (Ranked)

⚠️ Bajaj Finance disbursals (₹1,17,32,450) are classified as LOAN CREDITS — not earned income. True operational income = ₹18,08,039 (Sarthi + MBL). Equity proceeds (₹4,73,955) are capital returns, not income.
#SourceTypeTotal ReceivedTxns
1Bajaj Finance LtdLOAN CREDIT₹1,17,32,450.0068
2Sarthi Construction & Infra Pvt LtdSALARY₹15,41,885.0010
3Neetu Sharma (Wife)FAMILY₹10,50,000.004
4ICICI Direct – Equity ReturnsINVESTMENT₹4,73,955.225
5Manju RaniTRANSFER₹4,00,000.001
6MBL Infrastructures LtdSALARY₹2,66,154.002
7Cash Deposits (Self)SELF DEPOSIT₹1,39,500.005
8Kaushal RawatTRANSFER₹85,000.001
9Chandan Kumar (Return)RETURN₹20,000.002
10Spinny (Vehicle Refund)REFUND₹20,000.001
11Siddharth (Partial Return)RETURN₹10,913.001
12Arpit Sharma (Son)FAMILY₹8,375.001
13Neelam JainTRANSFER₹4,451.002
14Yogesh Kumar (NEFT Return)REFUND₹4,200.001
15Apple Services RefundREFUND₹1,517.001
16FASTag RefundREFUND₹1,146.001
17Bank InterestINTEREST₹883.004
18RVSL Mukesh (Reversal)REVERSAL₹1,000.002
19LPG Subsidy (IOCL/Govt)SUBSIDY₹147.4812
TOTAL CREDITS₹1,57,61,576.70454

True Income (Excluding Loans)

Salary – Sarthi Construction
₹15,41,885.00
Salary – MBL Infrastructures
₹2,66,154.00
Equity Returns
₹4,73,955.22
Family Transfers IN (Wife)
₹10,50,000.00
Other Transfers & Refunds
₹7,55,132.48
Total Non-Loan Credits
₹40,87,126.70
9

Top 50 Largest Debits

#DateNarrationIdentified RecipientAmount
131 Oct 2025BIL/ONL/001102512771/Bajaj Fina/742270403 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹19,00,000.00
230 Oct 2025BIL/ONL/001102267807/Bajaj Fina/741976820 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹10,00,000.00
304 Feb 2026BIL/ONL/001154505199/Bajaj Fina/786076821 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹10,00,000.00
412 Jan 2026BIL/INFT/FAG3084559/ KRISHNA GRANDKrishna Grand (Property)₹6,43,000.00
506 Feb 2026RTGS:ICICR52026020600271689/HDFC BANK LTD./NEHA PATHAKNeha Pathak₹5,50,000.00
609 May 2025BIL/ONL/001009052900/Bajaj Fina/639206182 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹5,00,000.00
726 Oct 2025BIL/ONL/001100692095/Bajaj Fina/740004446 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹5,00,000.00
826 Oct 2025BIL/ONL/001100692872/Bajaj Fina/740005842 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹5,00,000.00
905 Feb 2026MMT/IMPS/603611036781/Family/YOGESH KUM/UBIN0572489Yogesh Kumar₹5,00,000.00
1005 Feb 2026MMT/IMPS/603613264534/MANOJ KUMA/PUNB0202300Manoj Kumar₹5,00,000.00
1106 Feb 2026RTGS:ICICR52026020600270977/BANK OF INDIA/NARESH KUMAR SHAMRNANaresh Kumar Shamrna₹5,00,000.00
1223 Jun 2025BIL/ONL/001031711405/Bajaj Fina/666349096 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹4,00,000.00
1328 Oct 2025BIL/ONL/001101366666/Bajaj Fina/740803343 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹4,00,000.00
1428 Apr 2025BIL/ONL/001003063209/Bajaj Fina/630309043 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹3,50,000.00
1525 Apr 2025MMT/IMPS/511511518494/NEETU SHAR/SBIN0061227Neetu Sharma (Wife)₹3,00,000.00
1630 Sep 2025ATD/Auto Debit CC0xx3030ICICI Credit Card – 0007₹2,77,958.83
1703 May 2025BIL/ONL/001006130537/Bajaj Fina/634701054 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹2,50,000.00
1805 Jun 2025MMT/IMPS/515611851223/SIDDHARTH /SBIN0000539Siddharth₹2,00,000.00
1906 Jun 2025MMT/IMPS/515708013225/RICHA PAL/SBIN0000539Richa Pal₹2,00,000.00
2004 Apr 2025BIL/ONL/000993322082/Bajaj Fina/httpswwwbajajfiBajaj Finance Ltd (Loan Repayment)₹1,80,000.00
2117 Nov 2025EBA/EQ Trade 17NOV/20251117165410ICICI Direct – Equity Buy₹1,77,795.88
2208 Aug 2025BIL/ONL/001059095852/Bajaj Fina/697924561 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹1,75,000.00
2317 Sep 2025BIL/ONL/001080519286/Bajaj Fina/720096579 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹1,75,000.00
2415 Oct 2025BIL/ONL/001097045368/Bajaj Fina/735380577 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹1,75,000.00
2503 Feb 2026BIL/ONL/001154112811/Bajaj Fina/785646794 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹1,75,000.00
2618 Dec 2025BIL/ONL/001130995392/Bajaj Fina/764590287 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹1,70,000.00
2727 Mar 2026BIL/ONL/001179857408/BAJAJ FINA/5244242754Bajaj Finance Ltd (Loan Repayment)₹1,70,000.00
2831 Dec 2025BIL/ONL/001135942185/Bajaj Fina/770175279 WORLDLINE EPAYMBajaj Finance Ltd (Loan Repayment)₹1,65,000.00
2908 Dec 2025EBA/EQ Trade 08