NAGA LIMITED

House of Naga | Empowering Lives

SAP Treasury & Risk Management

Implementation Proposal

March 2026

Confidential

Prepared for

Raghul Nagarajan & Anandh Giri

Treasury Team, Naga Limited

Prepared by

Trinesis Technologies Pvt. Ltd.

Transform Your Treasury Operations

Eliminate Excel dependency, automate loan management, and gain real-time visibility across all 7 divisions and 11+ banking partners with SAP Treasury & Risk Management.

90%

Reduction in Manual Work

2-3 hrs

Daily Time Savings

Real-time

Cash Position Visibility

100%

KPMG Audit Compliance

1 Executive Summary

This proposal outlines the implementation of SAP Treasury & Risk Management (TRM) module for Naga Limited's treasury operations. Based on our detailed analysis and discussions on March 13, 2026, this solution will transform your Excel-dependent treasury processes into an integrated, automated SAP-native system.

Business Divisions

11+

Banking Partners

₹535 Cr

STL Credit Limits

₹287 Cr

LTL Outstanding

12-13

Silos for WHR

                🎯 Key Advantage: You Already Have SAP TRM License
                No additional licensing cost required
Native SAP integration with existing ECC system
Single source of truth for all treasury data
KPMG-compliant maker-checker workflow
Fiori dashboards for real-time visibility
Silo pledge visibility for ground operations

            

2 Current Challenges & SAP TRM Solution

⚠ Current Pain Points

90% Excel Dependency10 worksheets, 400+ columns for fund requests and loan tracking
Manual Rate Updates57 columns to update when MCLR/REPO rates change
No Audit TrailEmail-based approvals with KPMG compliance risk
2-3 Hours DailyManual cash flow report compilation every morning
No Silo VisibilityGround team unaware which silos are pledged
No Real-time ViewCash position known only after Excel update
Repayment RiskManual tracking with risk of missed payments

✓ SAP TRM Solution

SAP IntegrationAll treasury data in SAP with automatic FI posting
Auto PropagationMCLR/REPO updates flow to all linked loans instantly
Maker-CheckerSAP workflow with complete audit trail (KPMG)
Auto ReportsScheduled daily cash flow via SAP jobs at 8 AM
Silo-Loan LinkPledge status visible to ground operations team
Live DashboardsFiori apps for cash position, loans, and alerts
Maturity AlertsAutomated alerts 7/3/1 days before due date

📈 Return on Investment

🕐

Time Savings

600+ hrs/year

Eliminate 2-3 hours of daily manual report compilation and data entry

💰

Interest Optimization

₹15-20 Lakhs/year

Better bank selection and WACC optimization with real-time data

🔒

Risk Mitigation

Zero Missed Payments

Automated alerts eliminate risk of missed repayments and BG expiries

3 Scope Overview

Module/Feature	Description	Status
Cash Management (TR-CM)	Real-time cash position, bank account management, liquidity forecast	✓ Included
Loans Management (TR-LO)	All loan types (CC, WCDL, WHR, LTL, NFB, FCNRB, GECL, VL, CTL)	✓ Included
Interest Rate Management	REPO/MCLR rate master with auto-propagation to linked loans	✓ Included
Fund Request Workflow	Division fund requests with multi-level SAP workflow approval	✓ Included
Maker-Checker (KPMG)	Two-level approval for all FI postings with complete audit trail	✓ Included
Pledge & Moratorium	Track pledge requirements by bank/loan, moratorium period management	✓ Included
Silo Integration	Link 12-13 silos to loan pledges, visibility for ground operations	✓ Included
Bank Guarantee (NFB)	BG tracking with expiry alerts, claim expiry management	✓ Included
Fiori Dashboards	8 tiles: Cash position, loans, alerts, WACC, divisions, banks, requests, silos	✓ Included
Custom Reports	Daily cash flow, WACC analysis, loan maturity, BG expiry, division credit	✓ Included
Data Migration	Migration of existing loan data from Excel sheets	✗ Out of Scope
Bank Statement Auto-Import	Automatic import from bank portals	✗ Out of Scope
Bank Portal API Integration	Direct API integration with bank systems	✗ Out of Scope

4 SAP TRM Modules

💰 Cash Management (TR-CM) FF7A, FLQC

Centralized cash position and liquidity management

Real-time cash position across all bank accounts
Division-wise cash tracking (7 divisions)
Bank-wise limit and utilization monitoring
Liquidity forecast and planning
Auto-sync with SAP FI G/L balances

📈 Loans Management (TR-LO) FNEQ, FNRP

Complete loan lifecycle management

Loan contracts: CC, WCDL, WHR, LTL, NFB, FCNRB
Auto payment schedule generation
Interest calculation with REPO/MCLR linkage
Maturity alerts (7/3/1 day)
Auto FI posting for disbursements & repayments

🔒 Maker-Checker Workflow FV50, FBV0

KPMG-compliant two-level approval

Maker creates parked document
Checker reviews and validates
Checker posts to SAP FI
Complete audit trail with timestamps
Role-based authorization

🏢 Silo Pledge Management Custom

Ground operations visibility

Custom field: Silo ID in loan contract
Link to MM material master
Status: "Pledged" / "Available"
Alert if pledged silo is being used
Fiori tile showing pledged silos

5 User Roles & Access

🏢

Division Users

Create fund requests
View request status
View division cash position
Access Fiori mobile app

💰

Treasury Team (5 Members)

Process fund requests (Maker)
Manage loans & repayments
Update interest rates
Generate reports

🔒

Treasury HOD (Checker)

Approve high-value requests
Review and post documents
Access all dashboards
Final approval authority

📈

Management

View executive dashboards
Receive daily email reports
Cross-division visibility
Strategic oversight

6 Next Steps

Approval

Review and approve the proposal

Contract

Finalize and sign the agreement

Kick Off

Project initiation and team onboarding

🔒 Confidentiality Notice

This document contains proprietary and confidential information of Trinesis Technologies Pvt. Ltd. It is intended solely for the use of Naga Limited and its authorized representatives. Any unauthorized review, use, disclosure, or distribution is strictly prohibited. The recipient agrees to maintain the confidentiality of this proposal and not to disclose its contents to any third party without prior written consent from Trinesis Technologies Pvt. Ltd.