Sanchay Treasury OS

Sanchay Treasury OS is a treasury and investment workspace for Indian enterprises and family offices. It fits finance teams that need portfolio, liquidity and borrowing oversight across several entities, with controlled access and approval records. Choose it for consolidated visibility and governance; look elsewhere if payment execution is essential.

Overview

Sanchay combines investments, cash, debt, risk and policy information in a single organization workspace. Its multi-entity design lets authorized users work at entity level or across a consolidated view, making it more suitable for groups and family offices than for a single straightforward cash account. The product is paid, with pricing supplied after a demo request.

Key features

Investment and performance

Holdings, valuations, accruals and returns are tracked across eight investment asset classes. Users can examine XIRR by instrument, asset class, entity or authorized consolidated portfolio, calculated from dated investment cashflows and available valuations. That gives investment committees a consistent performance view across a diverse book. Refreshable live stock quotes help with monitoring, while official recorded valuations remain a separate basis for reporting.

Cash, liquidity and debt

Cash balances, expected investment flows, recorded cash movements and borrowing obligations are shown with timing and entity context. This supports liquidity planning and debt oversight by putting upcoming inflows and commitments beside investment information. It is not a payment platform: payment workflows are not included, so teams needing payment initiation or approval-to-payment execution will need another system.

Imports and controls

Inputs include CAMS AIF statement PDFs, a PMS holdings CSV template, and certified ERP Party Ledger and SAP Confirmation of Accounts layouts. Organizations using SAP or Tally exports should have their layouts reviewed with Sri Sanchay Financial Technology before committing to an import process; compatibility is not automatic.

Administrators can assign workspace users, roles and entities, with an authorized global view for appropriate users. Maker-checker workflows govern actions and retain approval history. Supported Tenant Admin exceptions can apply changes immediately while still creating an audit record. Audit views can include the responsible user, entity and timestamp, along with approval history and report-generation context where recorded. Help & Support provides issue submission, replies, ticket progress and recorded resolutions.

Enterprise SSO, AI/ML-assisted analysis and broader family-office investment coverage are planned rather than current capabilities. Buyers that require those functions now should treat the roadmap as a gap, not a present feature.

Pricing

The Sanchay Treasury OS plan has custom pricing, available by requesting a demo. No public seat, usage quota, trial period or renewal term is provided, so prospective customers should obtain those commercial terms alongside confirmation of import compatibility. The single published plan is aimed at organizations evaluating the full workspace; there is no cheaper public tier to trade breadth for a lower commitment.

Platforms

Sanchay offers an Android app and web access through a dedicated organization workspace address. That combination suits teams that need mobile access alongside browser-based administration, reporting and entity oversight.

Who it's for

Indian enterprises and family offices are the clearest fit, particularly those managing investments across entities and needing XIRR analysis, cash forecasting, borrowing visibility and governed approvals in one place. It is also relevant where audit trails and role-based entity access matter. Organizations primarily seeking payment workflows, immediate SAP or Tally import certainty, enterprise SSO or AI-assisted analysis should evaluate alternatives or wait for those capabilities to become available.

Pros and cons

Pros

• Unified investment and treasury view: Eight asset classes, cash positions and borrowing commitments can be reviewed with entity and consolidated context.
• Useful performance lens: XIRR by instrument, asset class and entity connects dated cashflows with available valuations.
• Governance evidence: Maker-checker approvals, role assignments and recorded user, entity and timestamp data support controlled operations.
• Practical statement intake: CAMS AIF PDFs, PMS CSV templates and certified ERP layouts provide defined starting points for imports.

Cons

• No payment workflows: Cash visibility does not extend to payment execution or payment approvals.
• Compatibility checkpoint: SAP and Tally exports require a company layout review before implementation.
• Roadmap dependencies: Enterprise SSO, AI/ML analysis and wider family-office coverage are planned, not current.
• Custom commercial terms: Pricing, seats, quotas, trial length and renewal terms must be obtained through a demo request.

Alternatives

FIS Data Integrity Manager is a paid web option with no free plan; choose it when data integrity on a browser platform is the priority.

Kyriba offers paid custom pricing and Android, API, iOS and web platforms; select it when broader device and API reach matters.

titanTreasury is a paid platform for self-hosted, web and Windows deployments, suited to teams prioritizing those deployment choices.

DebtBook is a paid web product without a free trial; its Starter custom quote covers up to 15 agreements and two users, making it a focused option for smaller agreement portfolios.

Nomentia Smart Treasury Suite is a paid API-and-web modular suite with custom pricing, suitable when buyers want to select modules around specific business priorities.

Spektra by TMS is a paid, self-hosted or web modular platform with guided implementation and no stated price.

Bond is a paid API and web product offered on a custom enterprise plan; choose it when that delivery model fits.

Finastra KTP Corporate Treasury Innovation is a paid web offering with pricing handled through Finastra or an account manager.

For a wider category comparison, see Treasury Management Software.

Verdict

Sanchay Treasury OS is a strong candidate for Indian enterprises and family offices that want investment performance, cash, debt and multi-entity controls joined in one workspace. Its main reason to choose it is the combination of eight-asset-class tracking, XIRR analysis and auditable approvals. Look elsewhere if payment workflows, published plan terms or immediate SSO and AI capabilities are non-negotiable.