Debit Summation (lakh) refers to total value of debit transactions in a bank account over a defined period, expressed in lakhs. It is used in statement analysis to understand outflows, turnover, repayments, and account behaviour. In MSME underwriting, it provides context for the borrower, facility, banking conduct or approval conditions and helps the credit officer connect operational data with credit judgement. For example, the item may influence eligibility, documentation, sanction conditions or the credit officer’s comfort even if it is not a ratio by itself. It matters because the term can affect how the proposal is documented, interpreted, approved and monitored after sanction. The common mistake is to read it in isolation; it should be checked against borrower documents, bank statements, financials and policy requirements.