Muladhanam
Storyboard 03 · For the Business Owner
STORYBOARD SUITE

File your stock
statement in fifteen minutes.
Then go back to running your business.

No more last-minute Excel hunts. No more "the bank wants it again, in their format." No more wondering whether the email actually went through. One simple monthly upload — done from your phone if you like — and your CC/OD compliance is closed for the month.

15min
Monthly time
you actually spend
0
Penalty risk for
late submission
1
Format, for any
bank you deal with
₹low
Monthly fee —
fraction of a CA hour
— 01 / What you're putting up with today

You didn't take a loan to chase paperwork the rest of your life.

But somehow, every single month, the stock statement becomes the thing that pulls you, your CA, and your accountant away from real work. Here is what that actually looks like.

i.

The monthly fire-drill

The 5th rolls around. The bank's RM is calling. Your CA is asking for files. Your accountant can't find last month's template. You drop whatever you were doing — supplier negotiation, customer call, factory issue — to chase a stock statement.

ii.

Penal interest you didn't see coming

Submit late, and your sanction letter allows the bank to charge penal interest. Sometimes it's noticed. Sometimes it isn't. Either way, you don't want to find out at the year-end statement review what you've been paying without realising.

iii.

"Did you send it? When?"

The email goes into a black hole. Sometimes the bank says they never got it. You forward the chain again. You attach a screenshot. There's no clean record, no system reference, just a conversation that drains your team's time and your mental energy.

iv.

Errors that cost you DP

Wrong category, wrong ageing bucket, missed sundry creditor — and suddenly your drawing power is lower than it should be. Your working capital tightens at exactly the moment you need it most. All because a manual form filled in a hurry got something wrong.

v.

Audit anxiety, every year

When the bank's audit team or the statutory auditor wants to verify a month's submission, the file is never where it should be. Old emails. Old laptops. Old people who've since left. Reconstructing the trail is painful, slow, and embarrassing.

vi.

It's not the work — it's the noise

Submitting a stock statement should be a 15-minute task. But the chasing, the formatting, the back-and-forth, the recovery from errors, the audit anxiety — all of that adds hours to what should be a routine. That's what eats you.

— 02 / How Muladhanam changes the monthly routine

The platform does the tedious bit.
You just review and submit.

Here's what changes the moment your bank rolls Muladhanam out for your account.

— 01

Submit from anywhere — your laptop, your phone, your factory desk.

The platform is web-based and mobile-friendly. Whether you're at your office, travelling, or sitting with your CA, you can log in, upload your numbers, and submit. No more printing, no more couriering, no more "I'll do it when I get back to the office." If you have ten minutes and an internet connection, you have a submitted stock statement.

◆ Mobile-friendly
Anywhere,
anytime.
Phone, laptop, tablet — same clean interface.
Web-based
— 02

Upload your ERP file. The platform does the rest.

Your accounting software already has all the numbers. Just export the file and upload it. Muladhanam reads it, maps your categories to the bank's standard categories (once, then it remembers forever), and structures the data the way the bank wants it. No re-keying, no re-formatting, no spreadsheet gymnastics.

◆ Smart upload
Excel in.
Submission out.
We handle the mapping, ageing, and DP math.
One click
— 03

Stop worrying about penalty interest.

Automated reminders before the due date. Friendly nudges if you haven't started. A clear deadline that everyone can see. And when you do submit, a timestamped reference number that proves it. Late submission penalties become a thing you read about in old loan agreements, not something that quietly eats your interest cost.

◆ Penalty-free
Submitted
on time.
Every time.
Reminders + clear deadline.
No surprises
— 04

Every submission gets a proof.

The moment you submit, you get a system-generated reference number, a timestamp the bank also sees, and a downloadable acknowledgment. If anyone — your bank, your CA, your auditor, RBI inspectors — ever asks "did you file it, and when?", the answer is one click away. Forever. Permanently. Defensibly.

◆ Defensible record
Receipt.
Forever.
Timestamped, referenced, downloadable. Same view for you and the bank.
Verified
— 05

Protect your Drawing Power.

Wrong category? Missed an ageing bucket? Forgot to include a creditor? The platform's structured workflow makes those mistakes much harder to make — and the DP calculation is done automatically using the bank's own margin table. You see your DP before you submit. If something looks off, you fix it before the bank sees it.

◆ DP protection
Working capital,
safer.
See your DP before you submit. Avoid surprises.
Calculated
— 06

Every old submission is one click away.

Audit season, statutory review, new bank inquiry, GST scrutiny, income tax notice — whatever the reason, every statement you ever filed is sitting in your account, searchable, exportable, and downloadable. The annual scramble to find old files becomes a thirty-second download.

◆ Full history
Every
file.
Always.
Search, download, export — at any time.
Archived
— 07

Works with your CA, not around them.

Your CA can have their own access. They can prepare on your behalf, you review and approve, and submission happens cleanly. No more emailing files back and forth, no more version confusion, no more "which one was the final?". The platform becomes the place your CA and your business team meet.

◆ Team workflow
You.
Your CA.
One platform.
Roles, reviews, approvals — all in one place.
Collaborative
— 08

Costs less than a single late penalty.

The monthly subscription is a small, predictable amount — usually less than one hour of your CA's billing rate. Many banks even cover it as part of their facility. You're paying a fraction of what you'd spend on a single late-submission penalty, and getting your CA's time back as a bonus.

◆ Pricing
Small fee.
Huge return.
Less than a CA hour. More than worth it.
SaaS
— 03 / A day in the life

What the 5th of the month looks like now.

"It used to take half a day and three follow-ups. Now I do it before my morning chai is cold."

Yesterday's reality: An RM phone call at 9am. Your accountant scrambling to find the closing stock figures. Format mismatches. A CA call. A re-send. A bank confirmation that never comes. The whole day slightly off-balance because of one routine compliance task.

Tomorrow's reality: A gentle reminder at 9am. You log in, upload yesterday's ERP export, scan the auto-calculated DP, click submit. Acknowledgment hits your email. The bank's RM never calls — because they can already see your submission in their system. Total elapsed time: about fifteen minutes.

And that is every month. Forever. Without exception.

09:02

Reminder arrives

Polite email, "your monthly statement is due in 3 days." Calm, not panicked.

09:05

Log in, upload ERP file

Drag and drop the file your accountant already exports anyway. Platform parses it instantly.

09:08

Review categories & ageing

Mappings already remembered from last month. Just glance at the totals and confirm.

09:12

Check DP & margin working

Auto-calculated. Looks reasonable. Make a small note if something's unusual this month.

09:14

Click submit

Reference number appears. Acknowledgment in your inbox. Bank already notified.

09:15

Back to actual work

The most important meeting of your day is the one you were doing before this. Compliance is closed.

— 04 / The questions you're probably asking

Honest answers to the things every business owner asks first.

"Is this another tool I have to learn?"
It's a portal, not software. If you can use net banking, you can use Muladhanam. No installation, no training course, no IT setup. Login, upload, submit.
"What if my accountant is the one filing it?"
Perfect. They get their own access. They prepare, you review and approve. The workflow respects how your business actually works — you don't have to change anything about who does what.
"Is my data safe?"
Bank-grade encryption at rest and in transit. Your data is treated with the same security as your loan account itself. Only you, your authorised team, and your bank see it.
"What happens if I miss the deadline anyway?"
You'll know well in advance — reminders start 5 days before. If you do miss it, you have a clear digital record that explains why, and a straightforward path to file late without it becoming a dispute.
"Will the bank stop talking to me?"
Your RM will probably talk to you more — but about your business, not about chasing forms. The relationship goes back to being a relationship, not a monthly debt-collection call.
"What if I don't want to pay for it?"
In many banks, the subscription is absorbed into your facility — you don't pay anything extra. Ask your RM how it's structured for your account. Either way, the cost is genuinely small.
— 05 / The promise

Get your monthly hours
and your peace of mind back.

You took a loan to grow your business — not to fill out forms every month. Muladhanam is built on one simple idea: compliance should be the easiest part of your month, not the loudest.

Ask your bank about Muladhanam ◆ Start next month