This course explains Seasonal Cash Flow Mapping and how seasonal patterns of income and expenses are mapped to assess repayment capacity and liquidity cycles within Agri & Rural Commercial Credit. It covers the key dimensions of behavioural patterns, obligations, risk indicators for sustainable decision-making, and sector risk, emphasizing the need for structured assessment, clear boundary definition, and independent validation before credit decisions are finalized. The course also distinguishes Seasonal Cash Flow Mapping from broader portfolio diversification strategies, and highlights its role within Borrower & Household Profiling, where the credit analyst executes assessments, completes documentation, and flags exceptions for review, including escalation to credit committees where required.