The Treasury OS for modern enterprise
Sanchay brings investments, borrowings, cash, risk, and policy into one operating system — with maker-checker governance, multi-entity visibility, and audit-ready reporting built in.
Sanchay Demo Group
Portfolio Value
₹485.2 Cr
+2.3%
Borrowings
₹210.5 Cr
3 facilities
Net Cash
₹48.7 Cr
+₹3.1 Cr
Pending Approvals
4
2 urgent
Approval Queue
FD Renewal
Alpha Manufacturing · ₹25 Cr · 2m ago
Term Loan Drawdown
Demo Group · ₹50 Cr · 1h ago
Policy Exception
Corp Bond · — · 3h ago
Investments
Fixed Deposits
38%
Bonds / NCDs
24%
Mutual Funds
20%
Equities
12%
ICD / Others
6%
- Multi-entity treasury visibility
- Maker-checker governance
- 5 treasury modules
- Audit-ready workflows
- Role-based access control
- Enterprise-grade controls
The problem
Treasury data shouldn't live in twelve spreadsheets.
Modern treasury operations span investments, debt, liquidity, and risk. Managing them separately creates blind spots, approval gaps, and reporting that no CFO should have to sign off on.
Siloed financial data
Investments, borrowings, cash, and risk are tracked across separate tools — spreadsheets, emails, and disconnected reports. Consolidation is manual and error-prone.
Opaque approval workflows
Who approved what, when, and with which data? Without structured maker-checker workflows, audit evidence is fragile and compliance reviews are painful.
Multi-entity blind spots
Subsidiaries and SPVs are aggregated manually. A consolidated treasury view across entities requires hours of work, is always stale, and rarely accurate.
Platform preview
Your treasury command center
A single operating layer for every investment, borrowing, cash position, and risk exposure — with full governance and audit built in.
Investments Portfolio
Global view · All entities · As of today
Total Portfolio
₹485.2 Cr
4 asset classes
Unrealised P&L
+₹11.4 Cr
+2.4%
Maturity <30d
₹38.0 Cr
2 instruments
Pending Actions
4
2 urgent
| Type | Description | Maturity | Value | Status |
|---|---|---|---|---|
| FD | Alpha Manufacturing — HDFC FD | 15 Aug 2025 | ₹25.0 Cr | Active |
| MF | Beta Holdings — ICICI Liquid Fund | Open-ended | ₹12.3 Cr | Active |
| NCD | Sanchay Demo Group — Corp Bond | 12 Mar 2026 | ₹50.0 Cr | Pending Approval |
| ICD | Gamma SPV — Intercompany Deposit | 30 Jun 2025 | ₹8.5 Cr | Active |
Platform modules
Everything your treasury team needs — in one platform.
Five treasury domain modules — investments, borrowings, cash, risk, and policy — with shared governance, shared audit, and a unified entity model across every workflow.
Investments Management
Portfolio visibility across Fixed Deposits, Bonds, Mutual Funds, AIF, Equities, ICD, and REITs — with cashflows, valuations, and MIS reporting.
Borrowings & Debt Management
Facilities, drawdowns, repayments, covenants, and utilization tracking — with cost-of-debt analysis and maker-checker approval for every movement.
Cash & Liquidity Management
Bank account positions, fund movements, cash forecasts, and surplus or deficit planning — with variance tracking and liquidity ladder visibility.
Financial Risk Management
Exposure visibility, concentration analysis, counterparty risk, risk events, and scenario modeling — built for treasury teams that need evidence, not assumptions.
Policy, Limits & Compliance
Policy authoring, automated compliance evaluation, limit utilization tracking, and exception visibility — with full audit evidence for review cycles.
Reports & Audit Trail
MIS reports, exportable data, data-quality indicators, and a complete audit trail — a cross-cutting platform layer so every number is traceable and every approval is on record.
Governance
Built for finance teams that need proof.
Sanchay is designed around the principle that every financial action must be reviewable. Governance isn't a feature — it's the foundation.
Maker-checker for every write
Every material financial action — investment deals, drawdowns, repayments, policy changes, user access — requires a second-eye review before it takes effect.
Self-approval is structurally prevented
The platform enforces separation of duties at the system level. The maker and checker must be different people — no configuration required, no workaround possible.
Full audit trail on every event
Every create, update, approve, reject, upload, and delete action is logged with the actor, timestamp, entity context, and old and new values.
Role-based, entity-aware access
Permissions are granted at the role level. Roles are scoped to entities. A user sees exactly what they should see — nothing more, nothing less.
Approval workflow
Maker submits
FD Renewal · ₹25 Cr
Pending review
Awaiting checker
Checker approves
Approved · Audit logged
Audit entry generated
action: INVESTMENT_APPROVED
maker: analyst@demo.com
checker: treasury-head@demo.com
entity: Alpha Manufacturing
amount: ₹25,00,00,000
timestamp: 2025-05-26T14:32:01Z
Organization
Sanchay Demo Group
Select entity context
Global View
All 3 entities
Alpha Manufacturing Pvt Ltd
Manufacturing entity
Beta Holdings Ltd
Investment holdco
Gamma SPV
Special purpose vehicle
Multi-entity visibility
One platform. Every entity. One authorized view.
Whether you operate two subsidiaries or ten SPVs, Sanchay gives every stakeholder the right scope — entity-level detail or consolidated global view — without manual aggregation.
Entity-scoped treasury records
Every investment, borrowing, cash position, and risk exposure is assigned to a specific legal entity — never mixed across boundaries.
Global view across authorized entities
Authorized users can switch to a consolidated global view that aggregates across all entities they have access to — without manual exports.
Permission-aware access
Each user's entity access is explicitly provisioned. A user can only see and act on entities assigned to them — enforced at both query and API level.
Subsidiary, SPV, and branch support
Model any legal structure — holding company, subsidiary, SPV, branch, or treasury operating unit — within a single tenant workspace.
Reporting & insights
Every number, fully traceable.
Reports in Sanchay are not just outputs — they are evidence. Every figure links back to a validated source, every approval is part of the record.
MIS Reports
Portfolio summaries, debt schedules, cash positions, risk snapshots, and compliance reports — available per entity or consolidated across the group.
- Per-entity and global view
- Exportable to standard formats
- Scheduled or on-demand
Data Quality Indicators
Every KPI and metric surfaces its data freshness and completeness status. Stale, partial, or unvalidated data is flagged — never silently coerced.
- Freshness tracking per metric
- Missing-data flags
- No silent zero-fills
Audit-Ready Lineage
Every number in every report traces back to a specific action, actor, entity, and timestamp. Reconstructing the evidence trail for any period takes seconds.
- Action-level traceability
- Actor and timestamp on every event
- Approval history on every deal
Enterprise controls
Controls that meet enterprise expectations.
Sanchay is built with a layered control architecture — tenant isolation, entity scoping, role-based access, and approval workflows — applied consistently across every module and every data path.
Tenant isolation
Every tenant's data is strictly isolated. Queries are scoped by tenant at the database layer — not application logic alone.
Entity-scoped access
Users can only query and act on the entities explicitly assigned to them. Global view aggregates only authorized entities — never the full tenant.
Role-based permissions
Fine-grained RBAC with module-level, action-level controls. Analyst, Approver, Treasury Head, and Admin roles out of the box — extensible per tenant.
Approval-gated mutations
Material financial writes — deal creation, drawdowns, limit overrides — pass through maker-checker before taking effect. No bypass paths.
Session and identity governance
Keycloak-backed identity management with session validation, inactivity logout, and structured token lifecycle. No shared credentials.
Controlled data exports
Exports are scoped to the user's authorized entities. Privileged fields — pricing inputs, counterparty data — are governed by role before any file is generated.
Bring treasury visibility, governance, and reporting into one operating system.
See how Sanchay works for your team — investments, borrowings, cash, risk, policy, and audit in one platform, with maker-checker governance and multi-entity visibility from day one.
Built for treasury teams managing complex, multi-entity financial operations.