The challenge
As Navabharat scaled its manufacturing and distribution footprint, manual petty cash processes began to show cracks:
- Heavy dependence on physical cash across plants and field teams
- No real-time visibility into department-wise or location-wise spends
- Delayed reimbursements and receipt collection
- High reconciliation effort and month-end pressure
- Limited success with existing tools like RazorpayX due to lack of customization and control
For an enterprise manufacturing organization, these gaps posed both financial and compliance risks.
The solution: Enterprise-grade spend control with TERA
TERA deployed a fully digitized petty cash and expense management framework, tailored to Navabharat’s operational structure.
Key elements of the solution included:
- RuPay prepaid cards issued to admin teams and key operational users
- UPI wallets directly linked to Navabharat’s current account, eliminating float and cash handling
- Wallets and cards mapped to manufacturing units, corporate office, and field teams
- Auto-recharge rules, ensuring uninterrupted operations while maintaining spend discipline
- Configurable budgets, merchant restrictions, and approval workflows
- SAP integration, enabling automatic transaction sync and near-zero manual reconciliation
This ensured every rupee spent was pre-approved, policy-aligned, and ERP-ready.
The impact
Post-implementation, Navabharat saw a visible shift in how expenses were managed across the organization:
Spend & Control metrics
- 18% reduction in petty cash spend within the first 3 months
- Department-wise and location-wise spend visibility introduced
- 60% of expenses routed through UPI, reducing card handling and cash usage
Efficiency metrics
- 70% faster reimbursements, improving employee experience
- 50% reduction in finance admin time spent on reconciliation
- Clear tracking of card loads vs. actual utilization
Compliance & Governance
- 100% transactions digitally logged with receipts
- 90%+ policy compliance via real-time controls
- Instant alerts for exceptions and spend anomalies
“What used to be reactive and manual is now proactive and structured.”
— Finance Team, Navabharat Limited
Conclusion
By partnering with TERA, Navabharat Limited successfully transitioned from fragmented cash handling to a centralized, automated, and SAP-integrated expense ecosystem. The result: stronger financial control, faster reimbursements, reduced leakage, and a scalable foundation that supports Navabharat’s next phase of growth in the consumer edible oil market.
