05 · REGULATION, ASSETS AND PROJECT CASH

Specialised & Regulated Sectors

Sectors where rules, assets or long projects shape the numbers.

Some businesses have regulators, designated accounts, exemptions or asset cycles that change how finance must run. Getting the structure right matters as much as getting the numbers right.

Regulation→Structure→Accounting→Controls→Reporting→Decisions

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Healthcare

Hospitals, clinics, diagnostics and pharmacy

Non-Profits

Trusts, Section 8 companies, NGOs and CSR

Hospitals, clinics, diagnostics and pharmacy

Healthcare

Patient services, insurance and TPA billing, doctor payouts and pharmacy stock under one roof.

Patient volume→Revenue per patient→Doctor payouts→Insurance receivables→Department margin→Cash

Where finance gets stuck

Insurance / TPA receivables and deductions not tracked
Complex, disputed doctor payout structures
Department and doctor profitability unknown
Pharmacy and consumables stock leakage

What your MIS must show

Revenue and margin by department / doctor
Bed or chair occupancy
Insurance receivable days and disallowances
Pharmacy and consumables margin
Revenue per patient

Compliance to watch

GST exemption on healthcare services and blocked input credit
TDS on doctor and consultant payments
Pharmacy GST and stock records
Equipment capitalisation and depreciation

How Vasudhaiva helps

Department and doctor profitability
TPA and insurance receivable tracking
Pharmacy inventory controls
Equipment and expansion finance

Which departments fund the hospital, and which need it?

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Projects, RERA and contractor cash

Real Estate & Construction

Development and contracting businesses where every project is its own business with its own cash cycle.

Bookings→Collections→Construction cost→Project margin→Funding→Cash

Where finance gets stuck

Project accounts mixed together
RERA designated-account withdrawals not planned
Cost overruns visible only at completion
Contractor bills, retentions and advances unreconciled

What your MIS must show

Cost to complete and margin by project
Bookings, collections and receivables
Budget vs actual by cost head
Unsold inventory
Funding and debt per project

Compliance to watch

RERA designated account and certifications
GST on under-construction property and works contracts
TDS on property purchase and contractors
Revenue recognition for projects

How Vasudhaiva helps

Project-wise accounting
RERA compliance support
Cost control and contractor reconciliation
Project finance and funding

What will this project really earn by the time it's handed over?

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NBFCs, brokers, advisors and fintech

Financial Services

Lending, broking, wealth, insurance distribution and fintech businesses where the balance sheet and regulators lead.

Book / AUM→Yield→Cost of funds→Credit cost→Opex→Return on capital

Where finance gets stuck

Commission and brokerage income hard to reconcile
Unclear portfolio quality reporting
Regulatory returns built manually at month-end
Fintech growth outpacing controls

What your MIS must show

Book / AUM growth and yield
Cost of funds and spread
Collection efficiency and overdues
Commission income by product / partner
Opex to income

Compliance to watch

Regulatory returns where applicable (RBI, SEBI, IRDAI)
GST on financial and commission services
TDS on commissions and interest
Audit readiness and internal controls

How Vasudhaiva helps

Commission and income reconciliation
Portfolio and branch MIS
Controls and audit readiness
Fractional CFO and investor reporting

Is our growth earning more than it costs us to fund?

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Hotels, resorts and stays

Hospitality

Rooms, food and beverage and events, with seasonal demand and heavy fixed costs.

Occupancy→Average room rate→RevPAR→F&B→Payroll→GOP→Cash

Where finance gets stuck

OTA commissions and settlements not reconciled
Departmental profit (rooms, F&B, events) unknown
Seasonality making cash unpredictable
Large capex and debt service

What your MIS must show

Occupancy, ADR and RevPAR
Departmental profit
F&B cost %
Channel mix and OTA commission
Gross operating profit and debt service

Compliance to watch

GST on rooms by tariff and on F&B
OTA TCS / TDS reconciliation
Payroll and service-charge handling
Fixed-asset and depreciation records

How Vasudhaiva helps

Departmental MIS
OTA and PMS reconciliation
Seasonal cash-flow planning
Project and renovation finance

After commissions and payroll, what does a room night really earn?

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Trusts, Section 8 companies, NGOs and CSR

Non-Profits

Mission-led organisations funded by donors, grants and CSR, accountable for every rupee.

Grants & donations→Restricted funds→Programme spend→Utilisation→Donor reporting→Compliance

Where finance gets stuck

Restricted and unrestricted funds mixed
Donor and CSR utilisation reports built manually
Registrations and filings at risk
Programme cost per beneficiary unknown

What your MIS must show

Fund-wise receipts and utilisation
Programme vs admin spend
Cost per beneficiary / outcome
Grant balances and timelines
Compliance calendar status

Compliance to watch

12A / 80G registrations and renewals
Application of income and audit reports
FCRA where foreign contributions are received
CSR utilisation reporting for corporate donors

How Vasudhaiva helps

Fund accounting
Donor and CSR utilisation reports
Compliance calendar and filings
Finance team for growing NGOs

Can we show every donor exactly where their money went?

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Whatever your industry

Every client gets the same finance discipline.

Books by the 12th

Closed by the 12th of the following month, wherever agreed data availability permits.

Daily banking discipline

Transactions updated and monitored every day.

MIS around your drivers

Built for your business model, not an accounting template.

Monthly MBRICKS™ review

Numbers become decisions, every month.

Backup and escalation

No single point of failure in your finance team.

Documented processes

Knowledge doesn’t live in one person’s head.

Not sure where to start?

Don’t guess. Assess.

Finance Function Assessment™

Is my finance function ready for where the business is going? Seven dimensions: people, process, discipline, systems, MIS, controls and business partnership. You get a scorecard and a 30/60/90-day roadmap.

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Custom MIS Assessment™

What are my numbers really telling me? Share your data. We build an MIS around your industry drivers, explain it and recommend action. ₹10,000, adjustable against your first engagement.

Start an MIS assessment →

Or ask us for the Vasudhaiva Industries brochure: one page per industry family, with the drivers, MIS and compliance checklist for your sector.

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Your business is unique. Your finance function should be too.

Let’s understand your business before we recommend anything.

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