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.
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.
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.
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.
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.
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.
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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