Royal commandover every rupeeon every contract.
FINIRIX gives civil contractors a single command centre for fund releases, borrowings, expenditure, inventory, and real-time P&L — across every active project. Connect your Gmail. We handle the ledger.
How It Works
Three steps. No manual entry. Ever.
From connecting Gmail to watching real-time P&L — the entire workflow is live in minutes.
Connect Gmail — once
One read-only OAuth grant. We request only gmail.readonly — we can never send, reply, delete, or modify your inbox. Revoke anytime from your Google Account.
Takes 90 seconds to complete.
FINIRIX classifies automatically
Bank credit alerts, fund release confirmations, vendor invoices — detected, parsed, and staged for posting within minutes. High-confidence entries auto-post. Others go to your Pending Inbox for one-tap review.
One classification per vendor, learned permanently after your first confirmation.
Watch your P&L update live
The moment a fund release is detected, your contract P&L refreshes. Net margin after borrowings, after interest, after retention — always current, across every active project.
WhatsApp and email alerts arrive before you check the dashboard.
The Difference
Before and after FINIRIX.
Without FINIRIX
The old way
- Fund releases discovered 3–7 days after they credit your account
- Interest on OD/CC never appears until your CA calls — months late
- One contract losing? You won't know until year-end reconciliation
- Inventory tracked in WhatsApp screenshots and Excel sheets
- No per-contract P&L — everything lumped under one firm
- Month-end reports require a 3-week CA engagement
Typical outcome
Year-end CA bill: ₹2–5L. Margin loss undiscovered until it's too late to act.
With FINIRIX
Real-time control
- Gmail auto-detects fund releases within minutes of the bank credit
- Interest calculated daily, allocated to the exact contract it funded
- Per-contract net margin visible in real time, across all projects
- Inventory entries auto-create expenditure in the linked contract
- Gross and net margin shown separately — always, for every contract
- Audit trail generated continuously — reports ready on demand
What changes
Real-time margin visibility. Interest flagged before it compounds. Every contract profitable — or you know which isn't, and why.
The Problem
“You manage five contracts at once. Your books live in WhatsApp screenshots and a CA who reconciles three months late.”
Fund releases arrive. You don't know.
Bank credits land without warning. You find out when your accountant calls — days later, after the money has already moved.
Interest compounds. You don't track it.
Your OD account is running. The interest is reducing your margin invisibly, every single day, across every contract.
One contract is losing. You can't tell which.
When you manage five projects simultaneously, a loss in one hides behind the revenue in the others. You find out at year-end.
Features
Six capabilities. Purpose-built for civil contracts.
Every feature maps to a real problem that general accounting software still cannot solve for contractors.
01
Gmail Auto-Detection
Connect Gmail with read-only access. FINIRIX scans for bank credits, vendor invoices, and fund release confirmations — and creates ledger entries automatically.
02
Real-Time P&L per Contract
Every transaction updates your contract margin instantly. Gross and net margin shown separately — after interest charges — across all active contracts at once.
03
Borrowings & Compound Interest
OD accounts, CC limits, term loans, and hand-loans all tracked. Interest calculated daily and allocated to the specific contract the borrowing funded.
04
WhatsApp & Email Alerts
Instant alert when a fund release is detected. Interest-due reminders before EMI date. Margin alerts when a contract dips below your target percentage.
05
Inventory Management
Stock tracked per site and per contract. Adding material to a site auto-creates an expenditure entry in the linked contract ledger. No manual double-entry.
06
AI Anomaly Detection
Establishes a baseline per vendor. Flags transactions exceeding 2× the historical average before they post. Duplicate payment detection across all contracts.
Gmail Auto-Detection
Connect Gmail once. Every fund release — detected automatically.
Read-only scope only — gmail.readonly. We can never send, reply, or modify your inbox.
High-confidence credits auto-posted. Lower confidence → Pending Inbox for one-tap review.
One classification per vendor, learned permanently after your first confirmation.
Source email ID and UTR code always preserved in the immutable audit trail.
Gmail Inbox — Classified by FINIRIX
noreply@bankofbaroda.in
Credit alert: ₹14,80,000 to A/c ...4821
09:41
Auto-posted
statements@sbi.co.in
Fund credit: ₹6,25,000 — PWD Dept Vizag
Yesterday
Auto-posted
billing@cementco.com
Tax Invoice #INV-2041 — ₹2,18,400
Yesterday
Pending review
notices@gst.gov.in
GSTIN 37XXXXX: Notice u/s 148
Monday
Pending review
4 emails classified this session
Live sync active
Road Package NH-543
Contract P&L — Live
7.2% net · Projected final: 6.8%
Real-Time P&L
The one number that changes everything: net margin after interest.
Gross margin tells you what you collected. Net margin — after borrowings, after interest, after retention — tells you what you actually made. Most contractors only find this out at year-end. FINIRIX shows it in real time.
Five components tracked live: released, spent, borrowed, interest, retention
Gross and net margin always shown separately — the distinction is the insight
Projected final margin from current burn rate, updated on every transaction
Cross-contract dashboard: all projects in a single view
Borrowings & Interest
Your OD is running. The interest is reducing your margin — invisibly, every day.
An overdraft at 11.5% p.a. on ₹50 lakhs costs ₹4.79 lakhs over 10 months. Without a system, this never appears in your P&L until your CA calls — weeks after the quarter closes.
- ✓
OD accounts, CC limits, term loans, and hand-loans — all in one ledger
- ✓
Interest calculated daily: simple or compound, at the frequency you set
- ✓
MCLR-linked floating rates supported with full rate history log
- ✓
Interest charged directly to the contract the borrowing funded
- ✓
Full amortisation schedule exportable to Excel for bank submission
Active Borrowings
Bank of Baroda OD
₹3,42,000
SBI CC Limit
₹68,000
HDFC Term Loan
₹1,34,000
Allocated across 3 active contracts
By the numbers
Built for the Indian contractor. Fully.
₹0
Free to start
No card required
< 2 min
Fund release detection
From bank credit to ledger entry
100%
Data residency in India
Zero egress · AES-256 at rest
India-first
Built for Indian contractors
DPDP Act 2023 · INR · Indian bank alerts
A Note from the Founders
“Our father ran civil contracts for over two decades. He built roads. He won government tenders. He borrowed from banks, managed retention holdbacks, dealt with delayed fund releases — and tracked all of it in a physical register his accountant visited once a month.
We watched him lose sleep over questions he could not answer in real time: how much has been released on Contract 3 this quarter? What is the interest accruing on the OD account? Is this project actually profitable, or are the releases masking a loss?
He was skilled at his work. The financial system around him was not built for him.
FINIRIX is the platform we wished he had. We are building it so that no contractor — and no contractor's family — is left navigating their finances in the dark.”
— A. Vamsi Krishna, Founder & CEO · A. Jaswanth Manohar, Co-Founder & CTO · Visakhapatnam, 2026
The Founding 100
The Founding 100.
We are onboarding the first 100 contractor firms personally. Their plan price is locked — for life — regardless of what FINIRIX charges in the future. They will shape every feature we build in Year 1.
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Lifetime rate lock — your plan price never increases, regardless of future pricing
Direct WhatsApp access to Vamsi and Jaswanth throughout the first year
Roadmap voting — your use cases are prioritised in Year 1 development
Founding member recognition in the FINIRIX product at launch
Slots are first-come, first-served. Price locked at the plan you choose today.
FAQ
Common questions.
Questions we hear from contractors before they join.
FINIRIX is a financial management platform built specifically for Indian civil contractors managing government and private contracts. It helps you track fund releases, expenditure, borrowings, inventory, and per-contract P&L across all active projects simultaneously. It is designed for contractors managing ₹1 Cr to ₹100 Cr in active contracts.
FINIRIX connects to Gmail with read-only access (gmail.readonly scope only). We scan your inbox for bank credit confirmations, vendor invoices, and fund release notifications and auto-create the corresponding ledger entry. We can never send emails, modify your inbox, or delete messages. The connection can be revoked at any time from your Google account settings.
General accounting software is designed for retail shops and service businesses. It does not understand government fund releases, retention holdbacks, mobilisation advance recovery, per-contract P&L, or the construction material inventory-to-ledger flow. FINIRIX is purpose-built for these workflows — it works alongside your CA's existing tools, not in place of them.
Yes. FINIRIX has a CA multi-org model where your CA can manage multiple client organisations from a single login. On the Business plan, CAs can generate and schedule reports directly to clients' email or WhatsApp. Your CA gets the data they need without monthly manual exports from you.
All data is encrypted in transit (TLS 1.3) and at rest (AES-256-GCM). FINIRIX is compliant with the DPDP Act 2023 with all data resident in India. We never store full email bodies — only the extracted transaction data. Gmail access is read-only and can be revoked at any time.
Yes — FINIRIX has a Free plan for up to 2 contracts with 1 user. It gives you basic P&L view, unlimited data entry, and AI chatbot support. As your contracting business grows, you can upgrade. No commitment required to start.
We are in the Founding 100 phase — onboarding the first 100 contractor firms personally. If you join the waitlist, we will contact you directly before we open access. There is no automated email sequence. Founding members receive a lifetime rate lock on their plan price.
More questions? See the full FAQ →
From the Blog
Contractor finance, explained.
The Founding 100
Join the contractors who will shape FINIRIX.
We are onboarding the Founding 100 personally. Join the waitlist — we will reach out before we open access.
No credit card · Cancel anytime · Price locked at signup