{"id":26475183,"url":"https://github.com/djdurga/upi-transactions-eda","last_synced_at":"2026-04-29T21:06:31.859Z","repository":{"id":282704421,"uuid":"949407737","full_name":"Djdurga/UPI-Transactions-EDA","owner":"Djdurga","description":"The dataset provided encompasses a comprehensive record of Unified Payments Interface (UPI) transactions spanning the period from January 2023 to December 2023. 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UPI is a widely used digital payment system in India that enables instant **fund transfers between bank accounts**.\n\n## 📂 Dataset Description\nThe dataset includes UPI transaction records with the following attributes:\n\n### **Columns**\n- 🗓 **Date**: Date of the transaction.\n- 🏷 **Category**: Type of transaction (e.g., groceries, utilities, transportation).\n- 🔢 **RefNo**: Transaction reference number for tracking.\n- 💰 **Withdrawal**: Amount debited from the account.\n- 💵 **Deposit**: Amount credited to the account.\n- 🏦 **Balance**: Account balance after the transaction.\n\n---\n\n## 📊 **Key Insights**\n\n### 🔴 **Withdrawals**\n- **🏠 Rent**:\n  - High, consistent withdrawals, indicating a fixed monthly expense.\n  - Minimal variance (stable spending pattern).\n- **🔀 Miscellaneous (Misc)**:\n  - **Highest variance** in withdrawals, meaning large unpredictable expenses.\n  - Includes **big purchases, emergency spending, or one-time transactions**.\n  - **Pie \u0026 bar charts** show that Misc accounts for a large portion of spending, requiring better categorization.\n\n### 🟢 **Deposits**\n- **💼 Salary**:\n  - The most consistent and predictable deposit source.\n  - Low variance, reinforcing **salary as a stable income stream**.\n- **🔄 Miscellaneous Deposits**:\n  - Includes **irregular income** such as refunds, bonuses, or transfers.\n  - Pie charts show a **large portion of deposits fall under Misc**, indicating a need for better income classification.\n\n### 🔥 **Correlation Heatmap Analysis**\n- **Withdrawal vs Deposit (-0.03)** ➝ No significant relationship; deposits and withdrawals occur **independently**.\n- **Withdrawal vs Balance (0.17)** ➝ Weak positive correlation, suggesting some withdrawals are followed by deposits.\n- **Deposit vs Balance (0.37)** ➝ **Moderate positive correlation**, meaning **higher deposits lead to a stable account balance**.\n\n---\n\n## ✅ **Key Takeaways**\n- **🏠 Rent is a predictable fixed expense**, while **Miscellaneous transactions require further classification**.\n- **💼 Salary deposits ensure financial stability**, but irregular income (Misc) needs monitoring.\n- **📈 Deposits have a stronger impact on balance than reducing withdrawals**.\n- **💳 Tracking irregular transactions** can help in **better financial planning**.\n\n---\n\n## 📌 **Conclusion \u0026 Recommendations**\n- **Categorizing Misc transactions** more precisely will improve spending \u0026 income tracking.\n- **Stabilizing deposits** (such as salary) can help maintain a healthier balance.\n- **Reducing unnecessary withdrawals** in the Misc category will lead to better savings.\n- A **detailed classification of transactions** will enhance financial planning.\n\n---\n\n## 🚀 **Next Steps**\n- Implement **automated transaction categorization** using machine learning.\n- Create a **dashboard for real-time expense tracking**.\n- Analyze **seasonal spending patterns** to optimize financial planning.\n\nThis analysis provides a **data-driven perspective on UPI transactions**, helping users understand spending patterns and optimize financial decisions. 📊💰\n\n","project_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fdjdurga%2Fupi-transactions-eda","html_url":"https://awesome.ecosyste.ms/projects/github.com%2Fdjdurga%2Fupi-transactions-eda","lists_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fdjdurga%2Fupi-transactions-eda/lists"}