Paytm AI Hackathon
A

Annapurna Kirana

Goripur, Patna

R
paytm
Special Scheme

Accept Payments via UPI, Earn Cashback!

Get exciting cashback and zero-fee rewards on every counter payment.

paytm♥UPI

On UPI Payments

₹10 – ₹50

Instant Cashback

Small Kirana, Big Growth

भWith Bharat at every step.

Sunday, 11 October · IST

AI Morning Intelligence Active

Good morning, Ramesh.
Today looks a little quiet.

Today's business forecast

Sales may be 16% lower than your usual Sunday.

Current counter run-rate ₹18,420 vs typical ₹21,900 baseline.

Collected so far

₹19,780

Last 7 days · live

3

AI Priorities to beat the quiet day

Priority 1+₹6,100

Bring back inactive customers

240 customers haven't visited recently.

Estimated additional sales: ₹6,100

Priority 2Avoid loss

Restock Parle biscuits

Current stock: 0 units

Estimated lost evening sales: ₹1,800

Priority 3Recover cash

Collect overdue udhaar

₹2,800 is overdue across 5 customers.

5 customers need a friendly reminder.

Paytm Soundbox 4.0AI Voice Synced

Paytm Soundbox Morning Briefing

💰 Bharat Opportunity Radar

Bharat continuously scans your business for opportunities.

3 Live Opportunities
Revenue Growth

RECOVER INACTIVE CUSTOMERS

240 customers haven't visited recently.

Estimated opportunity

₹6,100

Reason: Tuesday customer activity is 21% below normal.
Action: Launch a 10% targeted offer.
Stock Protection

PREVENT STOCK LOSS

Parle biscuits are currently out of stock.

Estimated opportunity

₹540

Reason: Current stock is 0 and average daily sales are 18 units.
Action: Recommended reorder: 24 units.
Cash Recovery

RECOVER UDHAAR

₹2,800 is overdue across 5 customers.

Estimated opportunity

₹2,800

Reason: 5 regular customers past promised due date by 5-14 days.
Action: Send friendly payment reminders.

Total estimated opportunity

₹9,440

"Estimated potential based on current business patterns. Actual results may vary."

Today's Action Plan

3 things Bharat recommends you do today.

🔴 HIGH PRIORITY

"Restock Parle biscuits"

Why: Current stock is 0 and average daily sales are 18 units.
Impact: Potentially prevent ₹1,800 in lost sales.
🟠 GROWTH OPPORTUNITY

"Bring back inactive customers"

Why: 240 customers haven't visited recently.
Impact: Estimated opportunity: ₹6,100.
🟢 CASH RECOVERY

"Follow up on overdue udhaar"

Why: ₹2,800 overdue. 5 customers need attention.
Impact: Recover pending cash: ₹2,800.

Worth doing today

Main AI Recommendations
3 of 3 actions ready
AI Recommendation

Tuesday sales are unusually low

+₹6,100

Problem Detected

Sales are 16% below your normal Tuesday average.

  • 240 customers have not visited in 15+ days
  • Tuesday evening sales are down 21%
  • Average basket size is lower than usual

Recommended Action

Send a 10% Tuesday offer to inactive customers.

Expected Impact

Potential additional sales: ₹6,100

AI Recommendation

Parle biscuits at zero stock

Save ₹1,800

Problem Detected

Current stock is 0 units before the 5 PM evening tea rush.

Recommended Action

Reorder 24 units from Sharma Distributors before evening rush.

Expected Impact

Avoid lost sales: ₹1,800

AI Recommendation

Overdue udhaar ready for friendly collection

Recover ₹2,800

Problem Detected

₹2,800 is overdue across 5 regular customers.

Recommended Action

Send a friendly, respectful WhatsApp reminder with Paytm UPI link.

Expected Impact

Recover pending cash: ₹2,800

Bharat's Impact this Month (Annapurna Kirana)

Measurable business lift & merchant retention vitals

+₹18,400 Unlocked Revenue

Additional Sales

₹18,400

Driven by AI evening campaigns

Udhaar Recovery Rate

↑ +23%

84%

84% vs 61% industry baseline

Time Saved

14 hrs

In ledger math & distributor POs
"Earlier, reconciling daily credit and guessing stock took an hour every evening. Now Bharat prepares everything before my tea rush. — Ramesh, Owner, Annapurna Kirana"
Counter Cross-Sell EngineAvg Ticket: ₹146 ➔ ₹185 (+26%)

Smart Basket Booster & Upsell Engine

Pair high-margin impulse items with counter staples to expand ticket size from ₹146 to ₹185

+₹12,400 Net Profit/Mo
Morning Breakfast Rush (7–10 AM)+125% Ticket Expansion
Primary Staple5.2% margin

Amul Taaza Milk 500ml

₹28

+
High-Margin Upsell24.5% margin!

Britannia Premium Toast / Rusk 200g

+₹35

भ

Counter Suggestion Script:

"Pairs naturally for morning breakfast. 73% of morning milk buyers take biscuits or rusk!"

Combined Bill

₹63

Dead Stock Clearance Combos(Liquidate slow inventory while protecting gross margin)

Monsoon Chai & Biscuit Duo

18.5% margin

Taj Mahal Tea 250g + 2x Parle-G 250g

Liquidates 18 packs of Parle-G while securing ₹230 counter ticket.

₹250

₹230

Sunday Special Feast Pack

17.0% margin

Fortune Mustard Oil 1L + MDH Deggi Mirch 100g

Pairs everyday cooking oil with slow-moving specialty spice box.

₹235

₹215

Paytm Business Insights

Paytm Hackathon Demo · Simulated Data

Today's payments

₹18,420

Total counter + QR

UPI transactions

126

↑ 14% vs yesterday

Average transaction

₹146

Across all modes

Repeat customers

68%

Of weekly volume

UPI revenue

₹12,840

69.7% of total sales

7-day sales & payment trend

UPI collections vs physical cash settled at Annapurna Kirana

Paytm UPICash

Mon

Sep 7

Tue

Sep 8

Wed

Sep 9

Thu

Sep 10

Fri

Sep 11

Sat

Today

Sun

Forecast

AI Insight #1

"Your UPI customers spend around 18% more per visit than cash customers."

₹172 avg UPI vs ₹146 overall

Action: Promote Paytm QR at billing counter
AI Insight #2

"7 regular customers who normally spend ₹300+ have not visited in 10 days."

₹2,100+ weekly potential at risk

Action: Trigger VIP WhatsApp check-in
AI Insight #3

"Saturday evening contributes 34% of your weekly revenue."

Peak rush: 5:30 PM – 9:00 PM

Action: Ensure counter staff and stock ready

Udhaar Intelligence

AI-driven credit recovery & customer risk categorization

Total ₹2,950 pending

Total pending

₹2,950

Active shop credit across 6 customers

Due today

₹3,200

2 regular customers scheduled today

Overdue

₹2,800

5 customers past promised date

Customer Risk Segmentation

Likely to pay

3 customers

₹4,200

Consistent payers, active grace period

Overdue

5 customers

₹2,800

Past scheduled date by 1-4 days

High attention

5 customers

₹2,800

Overdue 5-14 days — needs gentle follow-up

भ

Bharat Recommendation:

"5 customers have ₹2,800 overdue. Recommended action: Send polite WhatsApp reminders with 1-tap Paytm UPI links."

Today's bahi-khata

11 Oct · India time, resets at midnight

Total credit outstanding

₹2,950

6 khatas open · ₹2,800 overdue across 5

Today's udhar collections

₹1,360

₹360 cash · ₹1,000 UPI / Paytm

Net daily balance

₹18,530

Cash sales ₹18,420Udhar back ₹1,360Expenses −₹1,250

Who owes you

₹1,360 of ₹14,200 recovered

Business health

Weekly Kirana Vitals

Sales

↑ 8%vs last week

Weekend pickup strong

Customers

↑ 12%repeat footfall

UPI loyalty growing

Inventory

3 items

need attention today

Udhaar

₹12,840

₹2,800 overdue

At a glance

Repeat customers

68%

of this week's spend

Top category

Dairy

₹4,200 today

Low stock

3 items

biscuits, oil, masala