As an NBFC Director, aap jaante hai ka Cash flow ek NBFC ki lifeline hota hai. Aur Jab aapko yeh hi clear na hoga ki agle mahine kitni EMI collection hogi, toh apki planning weak ho jaati hai. Isse Salary payouts, branch expenses, loan disbursements, yeh sab kuch guesswork pe chalne lagta hai.
Aur honestly, har director aur finance head ke liye yeh ek badi problem hoti hai.
Toh ayiye dekhte hain wo 5 Big Reasons jinke kaaran cash flow manage karna tough ho jaata hai.
EMI Collection ka Exact Pata Na Chalna
Ek NBFC director ka sabse bada pain point yahi sochna hota hai ki “Agle mahine kitna paisa aayega?” Agar aapke paas uska clear picture nahi hai, toh budgeting ek blind game ban jata hai.
- Branch heads rough idea dete hain.
- Field officers apne estimate dete hain.
- Lekin consolidated number kisi ke paas nahi hota.
Result? Financial decisions adhure data ke basis par liye jaate hain.
Manual Tracking Leads to Errors
Bahut si NBFCs abhi bhi Excel sheets aur manual registers pe dependent hoti hain. Issue ye hai ki:
- Data timely update nahi hota.
- Small errors ek bade mismatch me badal jaate hain.
- Real-time view kabhi milta hi nahi.
Iss wajah se top management ko hamesha ek doubt rehta hai ki jo figures unke saamne hai, kya woh 100% reliable hai?
Future Planning Gets Stuck
Jab EMI inflow ka projection hi clear nahi hota, toh future planning kaise hogi?
- New loans disbursement decision delay ho jaata hai.
- Investor ko confidently forecast dena mushkil ho jaata hai.
- Aur sabse bada problem, ki emergency fund planning weak ho jaati hai.
Har mahine ke end pe yeh lagta hai ki company “react” kar rahi hai, instead of “plan” karna.
Stress for Directors and for the Finance Teams
Sochiye aap ek board meeting me baithe ho aur koi pooch le,
“Next month EMI collection ka estimate kya hai?”
Ustime yah toh aap uss question ko apne estimated figures jo aap guess kiye hote hai wo btate hai ya phir alag-alag branches se report mangani padti hai.
Yeh process not only stressful hai, balki time-consuming bhi. Aur thoda unprofessional bhi lagta hai.
Isse aap (directors) aur finance teams apna precious time sirf data compile karne me laga dete hain, jabki unka focus growth strategies par hona chahiye.
Lack of Transparency Affects Trust
Agar collection ka accurate forecast nahi ho, toh:
- Investors ke saath trust break hota hai.
- Staff ko lagta hai ki top management ke paas clarity nahi hai. Aur wo iska advantage le sakte hai
- Branch level pe accountability weak ho jaati hai.
Yani cash flow projection ki clarity sirf numbers ki baat nahi hai, yeh directly credibility aur trust ko impact karta hai.
Smarter Way: Projection Reports with FYCIS
Ab sawal yeh aata hai ki iska solution kya hai?
NBFCs ke liye ab manual guesswork ki zarurat nahi. Aaj kal smart systems available hain jo aapke EMI data ko real time me track karte hain aur aap jaan sakte hai ki next month kitna cash inflow hoga.
Imagine Kariye:
- Aapke paas ek projection report ho jo clearly dikhaye ki agle mahine kitni EMI collection hogi.
- Ek click me pata chal jaaye ki kaunse customers time pe pay kar rahe hain aur kaun risk zone me hai.
- Aur us data ke basis pe aap confidently apne financial aur business decisions le paayein.
Our Gentle Suggestion!
In sare problems sa solution hai ek reliable software jo aapke NBFC ka projection report ek click me provide kare, like, FYCIS!
FYCIS apne Projection Report feature ke through, aapko future cash flow ka ek clear aur reliable picture deta hai.
- Daily aur monthly EMI inflow projection
- Real-time branch-wise and consolidated data
- Accurate numbers jo aapki planning ko easy banaye
Aur asa sirf hum nhi kehte hai. FYCIS ke saath 200+ NBFCs already apna cash flow smarter way se manage kar rahi hain.
Conclusion:
Agar aap bhi Cash Flow uncertainty se pareshaan hai, toh ab stress lene ki zarurat nahi.
Aapke jaise bahut saare NBFC directors aur finance heads pehle yeh struggle face kar chuke hain, aur ab unhone ek smarter way choose kiya hai, humare sath. Yahi FYCIS ke saath!
Contact our experts today!
And explore kaise FYCIS aapki NBFC ko reliable, transparent aur growth-ready bana sakta hai.
Kyuki aakhir me, growth wahi hoti hai jaha clarity hoti hai.
Call now-7080814044
5 Reasons NBFCs Struggle with Cash Flow Planning (And Its Solution).
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