Monthly financial operating record · for Indian SMBs

Your business,
read every month.

Upload your monthly P&L. Noviq prepares the calm, CA-readable monthly review — Briefing, statement, branch comparison, financial pack. Built for the way Indian businesses actually run.

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Monthly Close Pack · March 2027
Your business in March
Business Done
₹24.58 L
Operating Expenses
₹19.46 L
Profit Kept
₹3.97 L

For every ₹100 earned, ₹16 stayed with the business.

Recently noted
  • Vendor costs rose for the third month running.
  • Ahmedabad branch recovered margin after February's dip.
  • Advance tax pressure likely increasing through Q4.
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The aha moment

From a confusing Excel
to absolute clarity.

Upload your monthly P&L. We do the rest — categorise vendors, compute margins, compare against last month and translate it into a story you can actually act on.

Before
P&L_March_2026.xlsx
A
B
C
D
E
F
Sales
3850000
Suresh Whol…
240000
Salaries
640000
Rent
85000
Marketing
130000
GST O/P
192500
Patel Trading
185000
Krishna Dist…
158000
BESCOM
22000
Airtel
4800
After · 12 seconds later
March 2026 · in plain English

You made ₹6.1 L in net profit this month — that's a 12% jump over February.

Festive volume pushed sales up but vendor spend climbed 14%. The three suppliers eating most of it are Suresh Wholesale, Patel Trading and Krishna Distributors.

Revenue
₹38.4 L
+12%
COGS
₹18.2 L
+14%
Margin
15.9%
-0.4pt
What you actually get

Everything you need to know.
Nothing you don't.

No vanity charts. No accounting jargon. Just the three things owners actually open the dashboard for.

Snapshot
Know what changed

Plain-English MoM and YoY

We narrate the numbers so you don't have to interpret them. "Net margin dropped by 2 points because vendor spend climbed." That's the entire briefing.

FY 2025-26 narrative

Net margin dropped 2pts due to higher vendor spend in Q3 — Diwali season pushed costs.

Vendors
See where money went

Top 25 vendors, auto-categorised

Every supplier in your P&L bucketed into Cost of Goods, Labour, Rent, Marketing, Utilities — so you know exactly who to negotiate with first.

Suresh Wholesale SuppliersCost of Goods₹2.4 L
Krishna DistributorsCost of Goods₹1.6 L
Sunrise RealtyRent₹85k
Ranking
Compare branches

Side-by-side outlet rankings

Multi-branch in one view. Spot the underperforming outlet before the quarter ends. Drill into any branch's P&L without re-uploading anything.

1Indiranagar₹14.2 L
2Koramangala₹11.6 L
3Whitefield₹3.7 L
Indian SMB owner reviewing their business in a modern shop
For Indian businesses

Built for how Indian businesses
actually run.

Most finance tools are built for Silicon Valley. Noviq is built for the traders, restaurants, retailers and distributors actually running India.

  • WhatsApp-first support
    Got stuck? Get a human on WhatsApp, not a ticketing portal.
  • INR formatting that fits
    Lakhs and crores throughout. No awkward 38,40,000 displays.
  • Festive seasonality
    Diwali, GST quarter-ends, FY rollovers — the dashboard knows.
  • GST stays optional
    Add your GSTIN later for auto-fill. No mandatory onboarding wall.
Operational stories

How businesses
actually use Noviq.

No 10x growth stories, no fake percentages. Just the kind of monthly clarity Indian SMB owners are finding when their review meeting moves into one screen.

"We standardized our monthly review across all three outlets in Noviq. The first thing we caught was how much delivery platform commissions were eating into margin — something we'd been undercounting for quarters."

RG
Restaurant group · Bengaluru
3 outlets · Indian cuisine
What changedDelivery platform spend became a line we now track every month.

"Before Noviq, each outlet's P&L sat in a different folder on someone's laptop. Now we open one screen and see all four side by side. The slowest store stopped being a quarterly surprise."

PR
Retail chain · Mumbai
4 stores · Apparel
What changedMulti-branch comparison shifted from quarterly to monthly cadence.

"An operating cost category had been climbing quietly for months. Noviq's plain-English narrative is what surfaced it — we caught it during the monthly review, not at year-end."

VM
Manufacturing SMB · Pune
Industrial components
What changedOperating expenses now reviewed monthly, line by line.

Stories are based on patterns we've seen across Indian SMB monthly reviews. Real business names withheld at our customers' request.

See the format

Download a
sample monthly P&L.

The exact Excel format Noviq uses to generate your dashboard. Open it, fill in your numbers, and you'll know in 30 seconds whether this is the monthly review workspace you've been looking for.

  • Universal P&L hierarchy — Revenue → Direct Costs → Gross Profit → Operating Expenses → Net Profit
  • Industry-specific rows (Swiggy commissions for restaurants, online marketplace fees for retail, etc.)
  • Instructions sheet + Detailed Expenses + Revenue Breakdown — audit-ready structure
No signup, no email gate. Just the template — you decide what comes next.
Pick your industry
Get the right template
.xlsx file · 4 sheets · ~25 KB
Try it instantly

See it in action before you decide.

Play around with a fully populated workspace for ABC Traders Pvt Ltd — 6 months of P&L data, real vendor structure, branch ranking. No signup, 10 seconds.

Sample workspace
ABC Traders Pvt Ltd
Bangalore · 6 months · Trading
Revenue
₹17.3 L
Net Profit
₹5.0 L
Vendors
20+
Branches
1
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