Answers about RBI ALM reporting, pricing, supported instruments, data security, and which NBFCs the Tetra Analytics platform is built for.
Tetra Analytics is a cloud-based asset-liability management (ALM) application that automates RBI-mandated ALM reporting for Non-Banking Financial Companies. It generates quarterly cash flow projections, structural liquidity statements, and interest-rate risk reports from a single Excel upload, replacing several days of manual spreadsheet work with roughly fifteen minutes of automated output.
Tetra Analytics is purpose-built for small and mid-tier NBFCs and is priced from USD 500 per month for smaller portfolio sizes. It deliberately excludes derivatives modeling, prepayment analytics, and deposit-withdrawal modeling that most small NBFCs never use, which is what allows it to be offered at a fraction of the cost of enterprise ALM systems.
Most small and mid-tier NBFCs with straightforward loan and debt portfolios do not need complex derivatives or prepayment modeling. They need accurate cash flow projections, interest-rate shock scenarios, and regulatory ALM reports. Tetra Analytics provides exactly that scope, which keeps both the price and the learning curve low.
Tetra Analytics is suited for Investment and Credit Companies, Housing Finance Companies, Microfinance Institutions, Factors, and growth-stage funded NBFCs with relatively straightforward loan and debt portfolios. It is not aimed at the largest Upper Layer NBFCs that typically already run enterprise treasury systems.
The application supports six instrument types through dedicated input templates: Loans, Bonds, Borrowings, Term Deposits, Demand Deposits, and Interest Rate Swaps. Templates are merged into a unified portfolio and analyzed together, covering both fixed and floating-rate instruments.
It generates cash flow projections, parallel and non-parallel rate shock pricing, Economic Value of Equity (EVE) and IRRBB, Net Interest Income (NII), Earnings at Risk (EaR), structural liquidity gap analysis, and interest-rate gap analysis. Every table and report can be downloaded to Excel for regulatory submission and management reporting.
No. Client spreadsheets are never saved to the cloud. Portfolio data sits in memory only for the duration of the session and is removed when the session ends. The platform is session-based and uses an Excel upload rather than a stored database.
Pricing is a monthly subscription starting at USD 500 per month for smaller portfolio sizes, with one account per NBFC. There is no long-term contract and no setup fee.