Bhattacharya Textiles Pvt Ltd
Textiles · INV-2026-04208
Streamed as it happens. Real timings are scaled down so the run is watchable.
- An unexpired promise to pay is on filePROMISE_OPEN
₹4,90,000.00 is promised for 12 September 2026, and that date has not yet passed.
An unexpired promise to pay suppresses further pressure · traced to EV-8815-06
-25 - Every promise keptPROMISES_ALWAYS_KEPTcited
All 4 promises to pay recorded on this account were kept.
Promise-keeping record (corroborating promises evidence, discounted to 40%) · traced to EV-8815-06
-4.8 - Part payment receivedPART_PAYMENT_RECEIVED
₹3,50,000.00 was received by UPI on 6 August 2026 under reference bhatt@okicici, leaving ₹4,90,000.00 outstanding.
Part payment received against the balance · traced to EV-8815-02
-10 - Relationship guard appliesRELATIONSHIP_GUARD
Lifetime value of ₹92,00,000.00 across 29 months exceeds your ₹43,70,000.00 guard, and 4 orders are currently open.
Lifetime value guard · traced to EV-8815-07
-8
- Past duePAST_DUE
Invoice INV-2026-04208 for ₹4,90,000.00 fell due on 25 July 2026, 38 days ago.
Invoice ageing: 31-60 days · traced to EV-8815-01
+16 - Propensity to settle unaidedPROPENSITYcited
Payment behaviour scores 78 of 100 on 4 settled invoices, with a median pay lag of 23 days after terms and a spread of 3 days.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8815-03
-14 - Contact headroom remainsCONTACT_HEADROOM
2 of the permitted 7 contact attempts in the trailing seven days have been used.
Contact frequency governance · traced to EV-8815-05
+0
- Unexpired promise to payG-PROMISE-OPENdecided this case
A promise to pay is on file and its date has not passed. Chasing inside a live promise teaches the debtor that promises are not respected, which is precisely the behaviour that makes the next one worthless.
No action — INV-2026-04208
A promise to pay is on file and its date has not passed. Chasing inside a live promise teaches the debtor that promises are not respected, which is precisely the behaviour that makes the next one worthless.
- EV-8815-02 — Part payment received · ICICI UPI-442190883311
- EV-8815-06 — Promises to pay · Setliva ptp_BT-6620
- EV-8815-07 — Account profile · Salesforce acct_BT-6620
Every assertion in this artifact resolves to a record on the case. Nothing withheld.
digest a018d10d5fc80d3a · the same case always produces this digest
- InvoiceEV-8815-01Tally · INV-2026-04208 · captured 10 Jun 2026
- amount_minor
- 84000000
- currency
- INR
- terms
- Net 45
- po_reference
- PO-55021
- Part payment receivedEV-8815-02ICICI · UPI-442190883311 · captured 06 Aug 2026
- amount_minor
- 35000000
- currency
- INR
- rail
- UPI
- reference
- bhatt@okicici
- Payment history, 24 monthsEV-8815-03Tally · cust_BT-6620 · captured 01 Sept 2026
- rows
- 2026-05-25|2026-06-18|72000000;2026-04-25|2026-05-16|68000000;2026-03-…
- invoices_paid
- 17
- invoices_written_off
- 0
- partial_payments
- 9
- Channel consentEV-8815-04Setliva · consent_BT-6620 · captured 08 Apr 2025
- true
- voice
- true
- sms
- true
- method
- signed_supply_agreement
- Contact attempts, trailing 7 daysEV-8815-05Setliva · log_BT-6620 · captured 01 Sept 2026
- attempts_last_7_days
- 2
- last_contact_at
- 2026-08-29T12:15:00Z
- last_channel
- responded
- true
- Promises to payEV-8815-06Setliva · ptp_BT-6620 · captured 29 Aug 2026
- promises_made
- 4
- promises_kept
- 4
- promises_broken
- 0
- last_promise_at
- 2026-08-29T12:15:00Z
- last_promise_amount_minor
- 49000000
+ 2 more fields - Account profileEV-8815-07Salesforce · acct_BT-6620 · captured 01 Sept 2026
- lifetime_value_minor
- 920000000
- relationship_months
- 29
- open_orders
- 4
- timezone
- Asia/Kolkata
| Base rate Starting position before any account evidence. | +50 |
| Median pay lag Settles a median 23 days after terms. | +4 |
| Consistency Pay timing varies by only 3 days across invoices. | +10 |
| Promise keeping 4 of 4 promises to pay were kept. | +10 |
| Responsiveness The most recent contact attempt was answered. | +8 |
| Part-payment pattern Settles in instalments more often than in full — expect a plan, not a payment. | -4 |
Days-past-due is deliberately not an input. Lateness is a property of the invoice; this is a property of the payer.
- case.evaluated08:49:307 signals extracted; digest a018d10d5fc80d3a23c5f0ecdd0f744d3eee6960…
- decision.gated08:49:31G-PROMISE-OPEN fired, giving awaitcc8ee1765fef40d02b7af834…