Notes on building financial intelligence for Indian businesses.
Notes on cash, decisions and the manual month-end, and lessons from building FinLytTech for Indian businesses.
Festive season working capital: stock goes up before cash comes in
Diwali 2026 falls on 8 November. How stock, dealer credit, bonus and GST stretch working capital, and how to plan the festive cash gap.
Why a profitable business still runs short of cash
Why profitable Indian businesses run short of cash: credit terms, GST on invoice date, inventory, advance tax and Section 43B(h), with a monthly fix.
Budget vs actual: the report most Indian SMEs have never once produced
A budget in a slide and actuals in Tally are not a variance report. Mapping the two, phasing the year properly and setting a materiality threshold is what turns a plan into a monthly decision.
Receivables financing in India: what invoice discounting really costs an SME
The rate is quoted annually but charged over 60 days. A Rs.50 lakh invoice costs 9.9% on TReDS and 21.1% off-platform, and the recourse clause decides whether you sold the receivable or borrowed against it.
The monthly close: how a 15-day close becomes a 5-day close for an Indian SME
A close is not a data-entry exercise. It is one cut-off decision, three reconciliations and a judgment call -- and only the judgment call has to wait for the month to end.
The financial intelligence gap in India's 7.3 crore MSME sector - and who is closing it
India's MSMEs already have structured, monthly, CA-checked data. What almost none of them have is the layer above it. That is a product problem, not a skills problem.
Working capital management: the one course that should be mandatory for every Indian SME founder
Every day in your cash conversion cycle is a day you are financing your customers and suppliers out of your own pocket -- and growth multiplies it.
AI in Indian finance: what it can do, what it cannot, and why a CA still matters
The boundary that matters in AI-assisted financial intelligence isn't automation versus humans -- it's processing versus judgment.
What Ind AS actually means for a growing Indian SME — and when to start caring
Most SME founders treat Ind AS as a large-company problem. Here is the 24-month readiness timeline founders and CFOs actually need.
Cash flow is not profit. The difference has killed more good businesses than bad strategy.
The most common cause of SME failure isn't bad strategy, weak products, or poor markets -- it's a timing mismatch between when costs are due and when revenue arrives.
Why India's GST mandate quietly made every SME's data more valuable than they realise
GST digitisation forced structured transaction data into every Indian business. Most are sitting on a goldmine of financial intelligence they've never used.
I built a 59-slide board pack for a hospital network by hand. Here is what I learned.
Six weeks. 20 hospitals. Three accounting systems. What manually building a ₹340Cr board pack taught me about why FinLytTech needed to exist.
Your investor asked for MIS. Here is exactly what they are looking at.
The 7 numbers every investor checks first — and how to make sure yours tell the right story.
Your business produced 12 numbers last month that could have changed how you run it. Most Indian SMEs never see them.
A practical guide to the 12 financial ratios every Indian SME should track monthly — what each one measures, what it reveals, and why the process of computing them reliably is the real problem.
Your Accounting system knows everything. Your board pack knows nothing. Here is why and how to fix it.
Why fewer than 2% of Indian businesses produce structured financial reports — and how the last mile of MIS is finally being automated.
Want the numbers behind the writing?
Thirty minutes on your own books, run by the founding team.