TWINLINE BUSINESS SOLUTIONS · FINPAGE v7.5INFO@TWINLINE.IN · +91 124 434 6868
MODULE · ACCOUNT & TREASURY

One ledger. Every rupee.
Accounted for.

The financial spine of the platform — double-entry GL, full AP and AR, real-time accrual, IRAC-aligned NPA and Ind AS ECL, profitability and financial reporting, fixed-asset register, borrowings and treasury (FD, mutual funds, G-Secs) with RBI-aligned ALM. Every transaction in, every rupee out, every regulatory return on demand.

TREASURY · LIVE
LCR 187.4%TRIAL BALANCEDNBS-7 READY
GL entries auto-posted today12,804
Unreconciled items0
Interest accrued today₹18.42 L
IRAC, EVERY NIGHT

Every overdue auto-graded.
Every provision auto-posted.

SMA-0 · 1–30 D
0%
Early-warning flag · borrower nudged
SMA-1 · 31–60 D
0%
Collections alerted · early-warning queue
SMA-2 · 61–90 D
10%
Provisioning begins · escalated
SUB-STANDARD
15%
NPA declared · interest to suspense
DOUBTFUL / LOSS
100%
Full provision · CRILC reported
GL POSTING · LOAN IL-48291VOUCHER #JV-20260610-9471
Interest accrued · daily, reducing₹1,284.50
DR · Interest receivable · 1402₹1,284.50
CR · Interest income · 4101₹1,284.50
TagsBranch GGN-04 · cost centre IL
Trial balanceAUTO-CHECKED · BALANCED · 11:58
TREASURY · FY 26-27 · LIVESYNC 00:14
LCR · liquidity coverage187.4% · above RBI floor
AUM₹428 Cr
NPA2.8%
NIM6.4%
NBS-7READY · same numbers as the GL
ACCOUNT MANAGEMENT

Every loan account,
automatically posted.

GL

Double-entry GL

Configurable chart of accounts with cost-centre and branch tagging on every posting. Balanced, auditable entries in real time — no overnight batch window.

ACCRUE

Daily interest engine

Reducing balance, flat or rule-of-78 — accrued daily, with restructure, reschedule, part-prepayment and write-off producing matching reversals.

WATERFALL

Configurable waterfall

Penalty → interest → principal → charges, or whatever your SOP defines — applied consistently on every repayment.

IRAC

IRAC classification, nightly

SMA-0/1/2 through Sub-Standard (15%), Doubtful and Loss (100%) — graded every night, provisioning posted to the right GL heads, interest reversed to suspense on NPA.

RECON

Zero unidentified

NACH, UPI and PG settlements auto-matched. The trial balance checks itself before your team logs in.

RETURN

Returns on demand

Trial balance, P&L, NBS-7, CRILC and ALM statements compiled from the ledger — same numbers, every time.

TREASURY OPERATIONS

The other half of the ledger —
funds, liquidity, risk.

FUND

Fund sourcing

Every borrowing facility tracked — bank lines, NCDs, CPs, securitisation and co-lending — with sanction limits, utilisation and covenant alerts.

ALM

ALM & liquidity

Bucket-wise asset-liability maturity, LCR against the RBI floor, and breach alerts in real time — not at quarter-end.

DEPLOY

Surplus deployment

FD and liquid-fund placements tracked alongside the loan book, with maturity laddering.

CONTROL

Maker-checker

Dual control on journal vouchers, adjustments and treasury transactions, with per-user audit logs.

SBR

Scale-based regulation

Reporting aligned to RBI’s SBR framework as thresholds tighten with your AUM.

DRILL

Drill to source

Every GL line drills to the loan transaction that created it — the auditor’s favourite feature.

PAYABLES & RECEIVABLES

Both sides of the ledger,
aged and reconciled.

A full accounts-payable and accounts-receivable subsystem sitting on the same double-entry GL — vendor bills, employee claims, fee and charge receivables, all aged, matched and posted automatically.

ACCOUNTS PAYABLE · AGEINGRECONCILED
0–30 D
₹84.2 L
31–60 D
₹22.6 L
61–90 D
₹9.1 L
90+ D
₹3.4 L
3-way match (PO · GRN · bill)98.7%
ACCOUNTS RECEIVABLEFEES · CHARGES · DA
Processing & login fees due₹41.8 L
Co-lending partner receivable₹2.14 Cr
Insurance / DSA recoveries₹18.2 L
Auto-matched to GL100%
Disputed / on hold₹2.1 L · 4 items
AP / AR ENGINE

Vendors, claims and fees —
nothing posted by hand.

PAYABLE

Vendor & expense bills

Bill capture, 3-way match against PO and GRN, approval routing and scheduled payouts over IMPS/NEFT — posted to the GL on approval.

CLAIMS

Employee & field claims

Travel, field and reimbursement claims from FinHRMS flow in, get approved on policy, and settle into the same ledger.

RECEIVE

Fee & charge receivables

Processing, login, bounce and foreclosure fees raised, tracked and aged — auto-matched as collections land.

AGEING

Ageing & statements

Vendor and customer ageing buckets, statements of account and reminders — payables and receivables both controlled.

TDS

TDS & GST handling

TDS deduction on vendor payments, GST input credit tracking and reconciliation against returns, built in.

NET

Netting & settlement

Partner and DSA balances netted across payable and receivable before settlement, with a full audit of every offset.

NPA & PROVISIONING

IRAC to the letter,
provisioning to the paisa.

CLASSIFY

Daily IRAC engine

SMA-0/1/2 through Sub-Standard, Doubtful and Loss — graded every night, never a month-end scramble.

PROVISION

Auto-provisioning

Provision percentages applied per asset class and ageing, posted to the right GL heads automatically.

SUSPENSE

Interest reversal

Income reversed to suspense the moment an account turns NPA — no overstated P&L.

ECL

Ind AS 109 ECL

Stage 1/2/3 expected-credit-loss computation with PD-LGD models alongside IRAC, for Ind AS reporters.

UPGRADE

Upgrade & recovery

Account upgrades on sustained repayment and recovery tracking post write-off, both reflected in the book.

REPORT

CRILC & returns

NPA movement, CRILC submission and the relevant RBI returns generated straight from the classification.

PROFITABILITY & REPORTING

From trial balance
to signed financials.

PNL

Profitability analysis

P&L by branch, product, scheme and cost centre — NIM, cost-to-income, RoA and RoE computed from the live ledger.

FINREP

Financial statements

Balance Sheet, P&L and Cash Flow generated to schedule, in formats your auditors and board expect.

NOTES

Notes to accounts

Schedule-wise notes, related-party disclosures and movement tables compiled from the GL — not retyped into Word.

SEGMENT

Segment reporting

Segment and geography reporting for Ind AS / Companies Act, drawn from the same cost-centre tags.

CONSOL

Consolidation

Multi-entity and branch roll-ups with inter-branch elimination — one consolidated view, drill-down preserved.

AUDIT

Auditor work papers

Pre-built schedules, ledgers and reconciliations exported for statutory and internal auditors.

INVESTMENTS & BORROWINGS

Funds in, surplus out,
liquidity in view.

BORROW

Borrowings book

Bank lines, NCDs, CPs, securitisation and co-lending facilities — sanction limits, utilisation, covenants and repayment schedules in one place.

FD

Fixed deposits

Bank and corporate FDs tracked with maturity ladders, accrual, auto-renewal flags and yield analytics.

MF

Mutual funds

Liquid and debt MF holdings with NAV marking, gain/loss, redemption tracking and NBFC investment-norm checks.

GSEC

G-Secs & instruments

Government securities and other permissible instruments with duration and yield tracking.

ALM

ALM & liquidity

Bucket-wise maturity and duration gaps, interest-rate sensitivity, concentration risk and LCR — with real-time breach alerts.

DEPLOY

Surplus deployment

Idle-balance sweeps into permissible instruments, laddered to projected outflows.

FIXED ASSETS & CONTROLS

Assets tracked,
access controlled.

FAR

Fixed-asset register

Asset capitalisation, location and custodian tracking, with auto-computed depreciation under Companies Act and Income-Tax methods.

DEPR

Depreciation engine

SLM and WDV schedules, component depreciation, disposals and revaluation — posted to the GL each period.

CWIP

CWIP & capitalisation

Capital-work-in-progress tracked to capitalisation with full audit, including branch fit-outs and IT assets.

ACL

Access control list

Role- and entity-based access across every module — maker, checker, approver and viewer, scoped to branch and GL head.

MAKER

Maker-checker

Dual control on vouchers, masters, treasury deals and adjustments — nothing irreversible by one person.

TRAIL

Audit trail

Immutable, time-stamped log of every transaction, override and login — attributable and exportable to the RBI horizon.

THE SPINE

What a clean close looks like.

0
Unreconciled items
12
Modules, one ledger
T+2
Month close cycle
8 yrs
Audit retention

Month-end in days,
not weeks.

See a full close cycle — accrual to NBS-7 — on representative data.

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