Corporate Treasury · Investment Platform

Stop letting your current account do the job of a treasury desk.

Fifteen minutes with our team is usually enough to show you where the idle cash is hiding — across every bank, every account, every rupee.

SEBI-aligned distribution
Bank Statement Parsing
Bank-grade encryption
Multi-Bank Cash Dashboard
Statement Parsed
Total Cash Available · 5 Accounts
₹ 3.42 Cr
+₹12L this week
Investable Surplus
₹ 1.22 Cr
Above ₹20L buffer
Lien / Held
₹ 18.5 L
Across 2 accounts
₹ 1.22 Cr is sitting idle above your ₹20L buffer.
Earning ₹0 — in HDFC Liquid Fund it would earn ~₹700/day.
Analyzed Bank Accounts+ Upload Statement
SBI
••••4521
Current A/c
₹ 1.42 Cr
● Active
HDFC
••••8832
Current A/c
₹ 88.4 L
● Active
ICICI
••••2190
Current A/c
₹ 64.2 L
● Active
Auto-Invest ₹ 1.22 Cr
Integrated with India's leading AMCs
SBIICICI PrudentialHDFCNippon IndiaKotak MahindraAditya Birla Sun LifeUTIAxisDSPTataMirae AssetBandhanEdelweissPPFAS (Parag Parikh)InvescoHSBCMotilal OswalFranklin TempletonCanara Robecoquant
01 — The Problem

Your cash is earning nothing, and you don't even know where it all is.

Most finance teams operate across multiple bank accounts, escrows, and credit lines. Idle surplus hides in transaction cycles — earning 0% while inflation eats it. Surplo parses your bank statements to map your cash flow patterns, uncover available surplus, and project exactly how much you can invest to generate optimal returns.

Intelligent bank statement parsing (PDF / Excel / CSV) — zero banking credentials needed
Cash flow pattern analysis reveals surplus windows — from when to when cash is idle
Accurate projection of how much can be invested and what returns it will generate
Investable Surplus — Today
₹ 1.22 Cr
Current Earnings
₹ 0 / day
In your current account0.00% p.a.
In HDFC Liquid Fund (T+1)7.42% p.a.
In SBI Bonds 2026 (AAA, 1Y)8.35% YTM
If deployed at 7.4% p.a.
₹ 1.22 Cr would earn
~₹ 2,478 / day
≈ ₹ 9.03 L / year
Avg Portfolio XIRR
7.6%
Post-Tax (25.17%)
5.69%
Unrealised Gain
₹ 21.4 L
02 — Invest

Three asset classes. One unified account.

From overnight liquid funds to senior-secured bonds, from FDs booked across 8 banks to PMS mandates of ₹50L+ — Surplo brings every regulated treasury instrument under one dashboard, one view

Recommended for 2–3 Month Horizon
Sorted by 3M returns · Top 4 of 48 funds
View all funds →
HDFC
HDFC Liquid Fund – Direct
Liquid · ★★★★★ · AUM ₹68,400 Cr
7.42%
3M return
SBI
SBI Overnight Fund – Direct
Overnight · ★★★★★ · AUM ₹27,200 Cr
6.89%
3M return
AXIS
Axis Ultra Short-Term – Direct
Ultra Short · ★★★★ · AUM ₹14,100 Cr
7.18%
3M return
ICICI
ICICI Pru Liquid Fund – Direct
Liquid · ★★★★★ · AUM ₹52,800 Cr
7.35%
3M return
Post-Tax Returns — Marginal Rate 25.17%
Liquid Fund
7.40%5.53%
Corporate Bond
8.10%6.06%
Bond Coupon
8.50%6.36%
Debt PMS (target)
9.50%7.11%
Post-tax returns shown everywhere on your dashboard once you set your company's marginal tax rate.
Target Maturity Funds Calendar
Pick a maturity month — see the TMF, its YTM, and alpha over a comparable-tenure FD. Plan maturities to the month.
03 — Liquidity OS

Your funds, classified by when you'll need them.

By parsing your historical bank statements, Surplo maps your cash inflow and outflow patterns to calculate how much surplus is available and from when to when. It then buckets every rupee by horizon to match optimal instruments and maximize returns.

Total Deployed · ₹ 4.82 Cr
XIRR 7.6%
Ultra Short
≤ 7 Days
₹50L
10%
Short
7d – 6M
₹1.73 Cr
36%
Medium
6M – 18M
₹1.44 Cr
30%
Long
18M+
₹1.15 Cr
24%
Smart Fund Suggestions
SHORTT+1 redemption
HDFC Liquid Fund – Direct
6M avg maturity · AAA-rated
MEDIUM12M horizon
ICICI Pru Corporate Bond
High credit quality portfolio
SHORTFlexible exit within 7 days
Axis Ultra Short-Term
Consistent returns
04 — Coming Soon

Two more ways treasury will work harder.

These modules aren't live yet — but they're already designed into your unified account. One login, every treasury motion.

COMING SOON

Insurance

Group health, fire & property, D&O, marine, cyber — quote, compare and issue every policy your company needs, from the same dashboard where your investments live.

Employee RiskAsset RiskLegal RiskOperationalFinancial Risk
COMING SOON

Working Capital Marketplace

One application. Offers from multiple banks and NBFCs. Compare rate, tenure, fees — then apply in a single click. No branch visits, no repeated paperwork.

Working Capital LoanTerm LoanOD / CC LimitInvoice Discounting
05 — Portfolio & Reports

One portfolio. Every product. Every report.

Mutual funds, bonds, PMS, AIFs — all consolidated in one view. Capital gains reports, transaction history, audit trail, SEBI-compliant records. Downloadable as PDF or Excel, anytime.

Capital Gains Report
STCG, LTCG, tax @ your marginal rate
Transaction History
Every purchase, redemption, coupon, SIP
Portfolio Statement
Consolidated, audit-ready, SEBI-compliant
Total Portfolio Value
₹ 4.82 Cr
+2.3% this month
Unrealised Gain
+ ₹ 21.4 L
XIRR: 7.6%
Asset Mix
3 Products
Mutual Funds
₹ 3.28 Cr68%
Bonds
₹ 1.06 Cr22%
PMS / AIF
₹ 48 L10%
Capital Gains — FY 2024-25
STCG
₹ 4,82,140
Tax @ 30%: ₹ 1,44,642
LTCG
₹ 1,21,300
Tax @ 20% w/ index
Total Realised
₹ 6,03,440
FY 2024-25
06 — Onboarding

From sign-up to first investment in under 24 hours.

01
KYC Check
Instant PAN & KRA check upfront. If pending, manual KYC takes ~1 week for LLPs & Pvt Ltds.
02
Entity Type
Pvt Ltd, LLP or Proprietorship — pick your path.
03
Documents
PAN, COI, MOA/AOA, Board Resolution — uploaded once.
04
Signatories
Single, Maker-Checker, or Joint approval model.
05
Activate
Upload statements. Discover surplus windows. Start investing.
KYC Verification Note: Accounts with verified KRA/CKYC status can start investing in under 24 hours. If KYC is pending, manual KYC verification is required, which typically takes around 1 week for LLPs and Private Limited Companies.
Pvt Ltd
PAN + COI + MOA/AOA · Board Resolution required
LLP
PAN + LLP Agreement · Designated Partner KYC
Proprietorship
PAN + GST Registration · Simplified single-signatory

A smarter way to manage your treasury.

Fifteen minutes with our team is usually enough to show you where the idle cash is hiding. Book a walkthrough — we'll bring the dashboard.

· Mutual Funds via NSE· Bonds with full cash flow visibility· SEBI-compliant records· Audit trail