Dear Ridders52,
Thanks for your mail and sorry for not replying sooner.
I checked your example, thanks for the help. In your example I would like to point you to record #6 where everything is NULL, but in total with Nz we can get the 0 there. My requirement is to get zero at Record #6 (Payment1, Income1, Income2) cells. As these fields are NULL similarly I am also getting the data from a query where the fields or Record is NULL.
Thanks and Regards
Deepak Gupta