Sanchay Treasury OS

Overview

Sanchay Treasury OS is a treasury and investment workspace for Indian enterprises and family offices. It suits finance teams that need portfolio performance, cash and borrowing visibility across several entities. Its breadth is useful for oversight, while the lack of payment workflows rules it out as a payment execution system.

Key features

Holdings, valuations, accruals and returns are tracked across eight investment asset classes, with views by entity and across authorized consolidated portfolios. XIRR can be reviewed by instrument, asset class, entity or authorized portfolio, calculated from dated investment cashflows and available valuations. This gives teams a way to compare investment performance across a multi-entity portfolio. Refreshed live stock quotes support monitoring; official recorded valuations remain separate.

Cash balances, expected investment flows, recorded cash movements and borrowing commitments are shown with timing and entity context. Together, these views support liquidity planning and debt oversight. They do not extend to payment workflows, so organizations that need to initiate or manage payments will need another system for that work.

Imports support CAMS AIF statement PDFs, a PMS holdings CSV template, and certified ERP Party Ledger and SAP Confirmation of Accounts layouts. SAP and Tally export layouts need to be reviewed with the company for compatibility. That review matters for teams whose existing accounting exports do not use the certified layouts.

Organizations can assign users, roles and entities, with entity views and an authorized global view. Maker-checker workflows provide review for governed actions, with approval history; certain Tenant Admin exceptions can apply changes immediately with an audit record. Audit and reporting views can show the responsible user, entity and timestamp where recorded, as well as approval history and report-generation context. Help & Support lets users submit issues with supporting details, follow replies and ticket progress, and review recorded resolutions.

Enterprise SSO, AI/ML-assisted analysis and broader family-office investment coverage are planned capabilities. They should not be part of a buying decision that depends on having those functions today.

Pricing

Sanchay Treasury OS

Sanchay uses paid, custom pricing available by requesting a demo. No seat count, usage quota, trial period or renewal term is stated. The single named plan includes cash visibility, liquidity planning, investment management, debt management, financial risk tools and multi-entity support, but no payment workflows. This package suits organizations seeking a combined investment and treasury workspace; teams focused on payment processing should look elsewhere.

Platforms

Sanchay is available on Android and web. The company describes web access through a dedicated organization workspace address, which suits teams needing workspace access alongside the Android app.

Who it's for

Sanchay is aimed at Indian enterprises and family offices managing investments and treasury across entities. It is a stronger fit when investment performance, cash planning, borrowing visibility and governed access need to sit together. Organizations needing payment workflows, or relying on unconfirmed SAP or Tally export formats, should account for those gaps before choosing it.

Pros and cons

Pros

• Investment and treasury views share one workspace: Eight asset classes, XIRR, cash balances and borrowing commitments support portfolio and liquidity oversight across entities.
• Governance is built into access and changes: Roles, entity assignments, maker-checker review and recorded approval history help organizations oversee controlled actions.
• Several financial statement and ledger formats are supported: CAMS AIF PDFs, a PMS holdings CSV template and certified ERP and SAP layouts offer defined import paths.

Cons

• No payment workflows: Sanchay cannot serve as the payment workflow system for organizations that need to execute or manage payments.
• Some exports need a compatibility review: SAP and Tally layouts must be checked with the company, adding a step for teams using those exports.
• Several capabilities are planned: Enterprise SSO, AI/ML-assisted analysis and expanded family-office investment coverage are not current capabilities.
• Pricing requires a demo request: Buyers cannot compare a published price or stated seat and usage limits before contacting the company.

Alternatives

Treasury Management Software is the broader category for comparing options. Consider FIS Data Integrity Manager, a paid web product, if you want to assess another option with no free plan. Kyriba is a paid alternative with Android, iOS, web and API platforms and custom pricing by demo request. titanTreasury is another paid option, available on self-hosted, web and Windows platforms.

DebtBook may suit teams whose needs fit its Starter plan: a custom quote covers up to 15 total agreements and two users, along with automated GL functionality, determination questions and schedule creation; it has no free trial. ION Wallstreet Suite includes enterprise treasury management, multi-entity support, a payment hub and more than 40 standard integrations, which may suit organizations prioritizing payment infrastructure and integrations.

Nomentia Smart Treasury Suite offers a modular suite, with solutions selected around business priorities and custom pricing through sales. Panax has a yearly-contract Start plan with quoted pricing, real-time cash position, investment accounts and credit lines, cash controls and alerts, banking integration and cross-border payments. Profitbase Consolidation offers tailored options and prices by request and has no free plan.

Verdict

Choose Sanchay Treasury OS if you are an Indian enterprise or family office that needs investment performance, cash and debt visibility, and governed multi-entity access in one workspace. The main reason to choose it is the combination of investment tracking and treasury oversight; the main reason to look elsewhere is its lack of payment workflows, especially if payment execution is central to your treasury operation.