Notes on building financial intelligence for Indian businesses.
Product updates, MIS deep-dives and lessons on building financial intelligence for Indian businesses.
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 deci...
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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 wa...
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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, no...
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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.
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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.
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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.
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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 wh...
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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 ne...
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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.
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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.
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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 o...
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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.
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