The challenge
Divay Hygiene’s field teams and operational staff frequently incur petty cash expenses—local purchases, travel, logistics support, and market activation spends. Earlier, these were handled via employee personal accounts, leading to:
- Tax and compliance concerns
- Limited real-time visibility for finance
- Manual approvals and Excel-based tracking
- Difficulty managing spends in remote locations
For a growing manufacturing brand, this approach was no longer sustainable.
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The solution: UPI-first petty cash with TERA
TERA helped Divay Hygiene transition to a fully digital petty cash ecosystem, built on India’s UPI infrastructure.
What Changed
- Corporate-controlled UPI wallets issued to users and teams
- Role-based limits and predefined approval flows
- Every transaction digitally logged and monitored
- Centralized dashboard replacing manual spreadsheets
- Seamless usage even in Tier-2 and Tier-3 locations, where UPI is widely accepted
This ensured speed on the ground with control at the center.
The impact
With TERA in place:
- All petty cash spends moved out of personal accounts
- Finance teams gained live visibility and audit-ready trails
- Approval cycles became faster and standardized
- Field teams adopted the system quickly due to UPI familiarity
- Petty cash transformed from an operational risk into a controlled process
“UPI made the change easy. Control made it powerful.”
Conclusion
TERA enabled Divay Hygiene to modernize petty cash management by leveraging UPI’s nationwide reach and combining it with enterprise-grade controls. The result is a compliant, scalable, and user-friendly spend system—well suited for manufacturing companies operating across India’s emerging markets.
