Kosh, for companies paid by government
The work is done and billed. See what the wait for payment costs.
Kosh shows where the money on your government contracts is tied up, when each payment will realistically arrive, what you must pay before then, and what the delay costs in borrowing interest and margin. It is in early access, and the preview is open now on a sample company’s books.
- Collected
- ₹268.6 Cr
- Billed, awaiting payment
- ₹97.4 Cr
- Retention held
- ₹21.2 Cr
- Unbilled
- ₹24.0 Cr
| Bill | ₹ Cr | Due | Expected |
|---|---|---|---|
| RA-17 · Metro stations | 14.63 | 21 Oct | 20 Nov est. |
| RA-9 · State highway package | 8.20 | 5 Oct | 8 Nov est. |
| Final bill · Road over bridge | 6.75 | 30 Sep | 12 Dec est. |
Borrowing interest while you wait₹67,660 a day
Why Kosh
Profit on paper, and a payroll due on Friday
A running bill is certified, then approved, then queued at a pay desk, with retention held back until the defects period ends. Suppliers, salaries and taxes do not wait for any of it. The gap is filled by borrowing, and the interest comes out of a margin that was thin to begin with. Most companies track this in a bill register, a bank statement and someone’s memory. Kosh puts it in one view.
What is in Kosh
Six questions, answered from one set of figures
- Where the money is
- Every rupee of work done sits in one place: collected, billed and awaiting payment, held as retention, or not yet billed. Bills are followed through seven payment stages, from awaiting certification to retention release.
- When it will really arrive
- The date the contract says and the date you can expect are kept apart. Expected dates come from each customer's own payment record or a reason you record, and every one is marked as an estimate.
- What falls due before then
- Supplier bills, project commitments, payroll, taxes and debt service, week by week, set against the collections expected in the same weeks. Kosh marks the lowest balance ahead and the funding needed to stay above your minimum.
- What the wait is costing
- Interest runs only on money actually borrowed. Kosh works it out line by line, separates what has been incurred from what is forecast, and shows each project's profit after financing and how much further a payment can slip before the margin falls below your target.
- Which action helps
- Delay one collection or all of them, change borrowing rates, prepay a line or add a contract, and watch cash and margin recalculate. For a single bill, compare collecting later, accepting a discount, financing the invoice and taking part payment now.
- Figures you can open
- One calculation layer feeds every screen, so totals agree wherever you read them. Each chart and total opens to the bills and obligations behind it, and a bill being overdue is never treated as a sign it will not be paid.
Who it is for
For the people who have to make the cash last
- Owners and directors
- See how much cash the business needs and when, before the bank balance says so.
- Finance and accounts teams
- One register of bills, expected dates, deductions and borrowing in place of several workbooks.
- Project and commercial managers
- Know which bill is stuck at which desk, who is chasing it and what each week of delay costs the project.
- Contractors, suppliers and consultants
- Kosh is built for companies paid by government bodies in India, as main contractors or as subcontractors to one.
Early access
From the preview to your own contracts
Open the preview
The preview runs on a sample contractor's books. Record a collection, move an expected date or edit a borrowing line and every total follows.Tell us about your contracts
Use the form on this page. Say which customers pay late and how you track bills and borrowing today.A short call
We ask how your bills move from certification to payment, and tell you plainly what Kosh does today.Kosh on your own contracts
We are opening Kosh to a small group of companies first. If it fits your work, we will set it up with you.
Request early access
Tell us which payments you are waiting on
We will reply by email. You do not need to prepare anything, and there is nothing to install.
Prefer email? hrishikeshkakkad@fluidzero.ai
Questions
Kosh FAQ
Is Kosh available today?
The preview is open to anyone, with no sign-up. Kosh on your own contracts is in early access: request it on this page and we will write to you as we open it to more companies.
Whose figures are in the preview?
A sample company. Its projects, customers and amounts are illustrative and do not describe any real business. Changes you make in the preview stay in your browser.
Does Kosh connect to our bank, ERP or the GST portal?
Not today. The preview has no bank, ERP or tax-portal connections.
Does Kosh lend money or arrange finance?
No. Kosh compares options such as collecting later, accepting a discount or financing an invoice, so you can see what each one costs. It does not lend, and it is not financial advice.
How does it estimate when a bill will be paid?
From the contractual due date plus that customer's average delay on past bills, or from a reason you record against the bill. Estimates are always labelled, and overdue status is worked out from the contractual date.
What does kosh mean?
Kosh (कोष) is Hindi and Sanskrit for treasury.