Sanchay Treasury OS

Sanchay Treasury OS is a financial workspace from Sri Sanchay Financial Technology for Indian enterprises and family offices. It brings investment holdings, cash, borrowing obligations, risk and policy into one place, with support for multiple entities. Users can review holdings, valuations, accruals and returns across eight investment asset classes, using entity views or authorized consolidated portfolios. Performance views include XIRR across instruments, asset classes and entities, calculated from dated investment cashflows and available valuations. Cash balances, expected investment flows and borrowing commitments are presented with timing and entity context for planning. Supported imports include CAMS AIF statement PDFs, a PMS holdings CSV template, and certified ERP Party Ledger and SAP Confirmation of Accounts layouts. SAP or Tally export layouts need compatibility review with the company. Organizations manage user roles and entity access, while maker-checker workflows record approvals for governed actions. Available live stock quotes can be refreshed for monitoring; official recorded valuations remain distinct. Enterprise SSO, AI/ML-assisted analysis and broader family-office investment coverage are listed as planned capabilities. Pricing is available by requesting a demo.

Sanchay combines investment tracking, cash visibility, debt management and governed approvals in a multi-entity workspace. Check import compatibility and confirm which planned capabilities are available before adopting it.

Sanchay suits Indian enterprises and family offices that need entity-level or authorized consolidated views of investments, cash and borrowing commitments. It may also suit teams that use approval workflows to govern financial changes.

Overview

Sanchay Treasury OS is a treasury and investment workspace for Indian enterprises and family offices. It suits finance teams that need to track investments alongside cash and borrowing across multiple entities. Its investment oversight and governed approvals are useful strengths, while the absence of payment workflows makes it a poor fit for teams seeking payment execution in the same system.

Key features

Investment tracking spans holdings, valuations, accruals and returns across eight asset classes, with entity-level and authorized consolidated views. XIRR can be reviewed by instrument, asset class, entity and authorized portfolio, using dated investment cashflows and available valuations. This breadth gives teams a way to examine performance across a varied portfolio. Refreshed live stock quotes support monitoring, but remain separate from official recorded valuations.

Cash balances, expected investment flows, recorded cash movements and borrowing commitments are shown with timing and entity context. That makes the workspace relevant for liquidity planning and debt oversight, especially when obligations need to be viewed alongside investments. It does not support payment workflows, so businesses that need to initiate or manage payments should look elsewhere.

Imports cover CAMS AIF statement PDFs, a PMS holdings CSV template, and certified ERP Party Ledger and SAP Confirmation of Accounts layouts. Teams using SAP or Tally exports should review their layouts with the company to confirm compatibility. This adds a qualification for organizations expecting to bring existing exports straight into the workspace.

Organizations can assign users, roles and entities, with entity-specific views and an authorized global view. Maker-checker workflows provide review and recorded approval history for governed actions; supported Tenant Admin exceptions can take effect immediately while retaining an audit record. Reporting can show the responsible user, entity, timestamp where recorded, approval history and report-generation context. These controls suit teams that need accountable changes across entities, though the approval model is focused on governed actions rather than payment execution.

Help & Support lets users submit questions or issues, provide supporting details, follow ticket progress and replies, and review recorded resolutions. Enterprise SSO, AI/ML-assisted analysis and broader family-office investment coverage are planned capabilities, so buyers who require them should confirm availability before adoption.

Pricing

Sanchay Treasury OS is paid, with custom pricing available by requesting a demo. No free plan or trial terms are provided. The custom quote means organizations should obtain pricing for their intended deployment before comparing total cost with other treasury systems.

Platforms

Access is available through Android and a dedicated organization workspace address on the web. This covers mobile and browser access, while the listed platform scope does not include an API or iOS app.

Who it's for

Sanchay is aimed at Indian enterprises and family offices managing investments and treasury activity across entities. It is a stronger fit for teams prioritizing investment performance, cash visibility, debt management, financial risk tools and controlled access than for teams whose central need is payment workflows. Organizations with SAP or Tally exports should validate their layouts, and those depending on planned capabilities should confirm that they are ready for use.

Pros and cons

• Pros: Investment tracking spans eight asset classes and supports entity and authorized consolidated performance views, including XIRR.
• Pros: Cash movements, expected investment flows and borrowing commitments share timing and entity context, supporting liquidity and debt planning.
• Pros: Role and entity assignments, maker-checker review and recorded audit history support accountability for governed changes.
• Cons: Payment workflows are not included, leaving payment execution to another system.
• Cons: SAP and Tally export compatibility requires a layout review with the company.
• Cons: Enterprise SSO, AI/ML-assisted analysis and broader family-office coverage are planned capabilities rather than established parts of the offering.

Alternatives

Kyriba is another paid treasury option, with Android, iOS, API and web platforms and custom pricing by demo request; consider it when that platform mix better matches your organization.

Trovata TMS offers a Base Package at $24,000 a year, billed $24k/year, with 1 bank, 100 accounts, 1,000,000 transactions and 10 users. Consider it when those stated account and transaction limits and annual price suit your needs.

FIS Data Integrity Manager is a paid web product; consider it if you are comparing web-based paid software in this category.

DebtBook is a paid web product without a free trial; its Starter plan has custom pricing and supports up to 15 total agreements and 2 users. Consider it when those stated agreement and seat limits align with your requirements.

Nomentia Smart Treasury Suite is a paid modular suite with API and web access and custom pricing through sales; consider it when a modular suite and API access match your priorities.

Panax offers a yearly-contract Start plan with quote-required pricing, real-time cash position, investment accounts and credit lines, cash controls and alerts, banking integration and cross-border payments. Consider it when those stated capabilities fit your treasury needs.

Spektra by TMS is a paid modular treasury platform with guided implementation, offered on web or self-hosted and without a free trial; consider it when those deployment options are a fit.

titanTreasury is a paid product for web, Windows and self-hosted platforms.

Browse more options in Treasury Management Software.

Verdict

Choose Sanchay Treasury OS if your Indian enterprise or family office needs investment performance, cash and debt visibility, and governed access across multiple entities in one workspace. Its clearest advantage is bringing portfolio oversight and treasury context together with approval history. Look elsewhere if payment workflows are central to your operation, and confirm import compatibility and planned capabilities before committing.