Features

Six capabilities. Purpose-built for civil contracts.

Every feature maps to a real problem general accounting software cannot solve for contractors managing government and private projects.

01

Gmail Auto-Detection

Connect Gmail once. We handle the ledger.

  • Connect Gmail with read-only access — gmail.readonly scope only. We can never send, reply, modify, or delete.

  • System scans for bank credit confirmations, vendor invoices, EMI debits, and GST notices.

  • High-confidence transactions auto-posted silently. Lower confidence → Pending Inbox for one-tap review.

  • One classification per vendor — learned permanently after your first confirmation.

  • Transactions split across two contracts from a single email — handled without duplication.

  • Source email ID and UTR code always preserved in the immutable audit trail.

  • Gmail connection can be revoked at any time from your Google account settings.

02

Real-Time P&L + Projected Final Margin

The number your CA gives you three months late — live.

  • Every transaction updates the contract margin instantly — no manual recalculation needed.

  • Five components displayed live: released, spent, borrowed capital, interest accrued, retention held.

  • Gross margin and net margin (after finance charges) always shown separately — this distinction is the insight.

  • Projected final margin calculated from current burn rate and updated on every new transaction.

  • Per-contract view and cross-contract dashboard available simultaneously.

  • Loss-making contracts surface immediately rather than hiding behind profitable ones.

03

Borrowings & Compound Interest Tracking

Every rupee of interest — attributed to the contract that caused it.

  • OD accounts, CC limits, term loans, and informal hand-loans all tracked in one ledger.

  • Interest calculated daily — simple or compound — at the frequency set per borrowing.

  • MCLR-linked floating rates supported with full rate history log and recalculation.

  • Interest charged to the specific contract or contracts the borrowing funded.

  • Full amortisation schedule generated and exportable to Excel for bank submission.

  • DSCR (Debt Service Coverage Ratio) report generated for bank loan applications.

04

WhatsApp & Email Alerts

The moment a fund release lands — you know.

  • Instant WhatsApp message when a fund release is detected in Gmail.

  • Interest due reminders sent before the EMI date on every active borrowing.

  • Margin alerts when a contract's net margin dips below your configured target percentage.

  • All alerts configurable per event type and per contract — switch off what you don't need.

  • Email alerts run as a parallel channel — both WhatsApp and email always active.

05

Inventory Management

Stock on site. Expenditure in the ledger. Automatically.

  • Material stock tracked per site and per contract — cement, TMT, aggregate, and custom categories.

  • Adding stock to a site auto-creates an expenditure transaction in the linked contract's ledger.

  • Shared Warehouse / Central Yard model: consumption from shared stock always requires manual contract assignment — the system never auto-assigns.

  • Transfers between sites tracked with full audit trail and timestamps.

  • Stock level alerts when inventory falls below your configured threshold.

  • Purchase receipts attached to each stock entry for audit readiness.

06Business plan

AI Anomaly Detection

Flags before it posts. Never blocks.

  • Establishes a spending baseline per vendor from historical transaction data.

  • Flags any transaction that exceeds 2× the vendor's historical average before it posts to the ledger.

  • Duplicate payment detection across contracts — catches the same invoice entered twice.

  • Anomaly report available to Owner and CA roles on the Business plan.

  • All flagged items require manual confirmation — system never blocks, only alerts.

Also Included

Additional capabilities

Retention money tracking (gross release, net release, DLP period, amount held)

Bank reconciliation — UTR matching against fund releases

Multi-contract dashboard — all active projects in one view

Role-based access — Owner, Accountant, Site Manager, Viewer, CA

Document attachments — work orders, invoices, agreements per contract

Immutable audit trail — every edit logged, 7-year retention

Mobile app for site managers — Android and iOS (Phase 2)

Scheduled reports — PDF P&L and debt schedule (Business plan)

Organisation switcher — CA manages multiple client orgs from one login

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.

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