Sanchay Treasury OS review
Portfolio, cash, liquidity and debt oversight for enterprises and family offices.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Sanchay Treasury OS brings investment, cash, liquidity and borrowing oversight into one web workspace. It is aimed at enterprises and family offices, particularly Indian organizations, that need to review portfolios and debt across entities. Investment records include holdings, maturities, income and realized or unrealized gains; XIRR analysis can be viewed across instruments, asset classes, entities and authorized consolidated portfolios. This focus suits teams seeking portfolio and debt visibility with governed workflows, rather than a system for executing payments.
Its treasury coverage extends from cash balances, movements and forecasts to forecast-versus-actual variance review for liquidity planning. Borrowing facilities, drawdowns, repayments, covenants and debt schedules are also tracked. Users can review records at entity or authorized consolidated level, while role-based access, entity assignments, session controls and maker-checker approvals support controlled access and review. Approval history and audit-ready activity records help teams follow actions. Data freshness, completeness and missing-data indicators give additional context when reviewing records.
Data entry and connectivity are an important boundary: Sanchay supports statement and ledger imports for supported AIF, PMS and ERP formats, but file uploads do not imply live bank connections or payment execution. The product therefore fits organizations that need investment and debt portfolio oversight, cash visibility and approval controls, and can work with supported imports. Teams whose primary requirement is payment workflows should look elsewhere. The official site directs visitors to request a demo rather than publishing pricing, so buyers need to contact the vendor to discuss commercial terms. AI/ML-assisted analysis is planned, not a current capability.
Sanchay Treasury OS pros and cons
- Where it wins
- Tracks investment holdings, maturities, income and realized or unrealized gains
- Reviews cash forecasts against actuals and tracks borrowing and covenants
- Supports authorized multi-entity views with maker-checker approvals
- Where it doesn't
- Does not provide payment workflows or payment execution
- No integrations are listed
- AI/ML-assisted analysis is planned, not a current feature
Sanchay Treasury OS fact sheet, pricing and score →
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