This is a 12-month financial model built for Indian D2C, dropshipping and marketplace founders. Plug in assumptions, get the full picture: P&L, cash flow, unit economics, hiring plan, runway and break-even. All in INR.Why this template? Most of the ecommerce templates that are available online assume prepaid orders, flat returns and immediate settlements. Indian ecommerce doesn't work like that. 60% of orders are COD, 30% are returns, reverse logistics eats into the margins, GST needs quarterly netting, and cash flow gets stuck in receivables and inventory for weeks.This model accounts for all of it. Forward and reverse shipping priced separately. COD remittance and gateway fees split out. Cash flow delayed by actual settlement cycles. An RTO Reality Check tab showing what different return rates do to the same revenue.If you're planning a D2C launch or preparing investor numbers, this is the model that shows what the bank account actually looks like.