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Schemes, document checklists, subvention and settlement in one flow — so you stop discovering short payouts three months after they happened.
Free, no-obligation consult — just a real person.
Official ERPNext Partner
In business since 2011 · 200+ clients
A large share of handsets now leave the shop on finance, which means a large share of your revenue does not arrive on the day of sale. It arrives weeks later, in a lump, from a third party, net of charges — and covering a batch of applications that nobody maps back to the individual sales.
Most chains check that lump against the bank statement and move on, because checking it properly means reconstructing months of applications by hand. That is the gap this closes.
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, because proving it wrong would take longer than the shortfall is worth.
, and applications bounce back for a missing page.
, so nobody knows the real margin on a financed sale.
from each partner right now.
you know the approvals, not the funnel.
, or which salesperson converts finance well.
By brand, item group and tenure, with the terms you have agreed with that partner.
Exactly what this partner needs for this scheme — no more, and nothing missing.
The sale cannot be submitted until the financier has approved it.
and walks out with the handset. That part of the money is yours today.
The discount you are effectively funding is recorded as what it is, rather than buried in a lower sale price.
net of its charges and the subvention — and that payment is matched back, application by application.
Finance partners do not offer one product. They offer a grid: this brand at this tenure with this subvention, that item group at another, a different rate for a festival, and separate branch codes that must appear on the paperwork or the application is delayed.
All of that is configuration. Partners carry their own branch codes; schemes carry brand and item-group rules, tenure and the subvention you have agreed; and the counter sees only the schemes that actually apply to the handset in front of them, which removes the commonest cause of a rejected application.
, so the counter is not working from memory or from what the last customer needed.
, and the application cannot go forward incomplete.
, so a query weeks later does not become a search through a drawer.
when the partner wants paper, on that branch's letterhead.
When you fund part of the interest so the customer sees a zero-cost EMI, that is a real cost of making the sale. Left inside a reduced sale price it silently distorts your margin on exactly the transactions you are doing most of.
Here it is posted as its own cost against the sale, so gross margin on a financed sale is comparable with a cash one — and the scheme performance report can answer whether the subvention you are funding is actually buying you volume.
For every approved application, what the partner owes you, and when.
against the applications it covers, rather than as a lump against the bank.
Not "we are short by some amount this month", but which applications, and by how much.
, so the ledger agrees with the operational record instead of drifting from it.
| Report | The question it answers |
|---|---|
| EMI application register | Every application, its scheme, partner, status and value |
| Pending approval | What is stuck with a financier right now |
| Conversion funnel | Started, approved, rejected, cancelled — by scheme and branch |
| Scheme performance | Which schemes sell, and what the subvention on them costs |
| Financier performance | Approval rates, speed and reliability, partner by partner |
| Receivable ageing | Who owes you what, and for how long |
| Outstanding settlement | What has been funded but not yet paid to you |
| Settlement reconciliation | Expected against received, application by application |
| Commission and subvention | The full cost of financed sales |
| Salesperson EMI sales | Who converts finance, which is an incentive input |
| Cancellation register | Applications that fell over, and why |
Applications by status, each financier's volume against the others, and what is still waiting to be settled.
| Today | After |
|---|---|
| Payouts checked against the bank statement | Payouts matched application by application |
| Document lists from memory | A checklist per partner and scheme |
| Subvention hidden in the sale price | Subvention posted as a cost you can see |
| "How much is the financier holding?" | Receivable ageing by partner |
| Approvals known, funnel unknown | Started, approved, rejected and cancelled |
| Scheme choice by habit | Scheme performance against its real cost |
Official ERPNext Partner
Yes. Each carries its own branch codes, schemes, document requirements and commercial terms, and the counter only sees the schemes that apply to the handset being sold.
The sale cannot be submitted on that basis, so you do not end up with a handset out of the door against finance that was never approved. The rejection is recorded and shows in the conversion funnel.
For every approved application the system knows what the partner owes and when. When a payout arrives it is applied against those applications, so a shortfall is identified as specific applications and amounts rather than a total that looks roughly right.
Yes, because subvention is posted as a cost rather than as a lower price. That is what makes an EMI sale and a cash sale comparable.
They are recorded against the application and flow through to the settlement position, so a cancelled sale does not leave a phantom receivable sitting against the partner.
Financing you carry yourself is a different shape of problem — scheduled instalments, interest and collections. That is what our Loan & Lending Management ERP is for, and the two can run together.
You do — but with a report rather than a suspicion. Receivable ageing by partner turns "I think they are slow" into a dated position you can put in an email.
Get a clear plan, an honest timeline, and a fixed scope. Talk to a real expert today — whether or not you work with us.
Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011