Unfair Gaps🇮🇳 India

Building Finishing Contractors Business Guide

3Documented Cases
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All 3 Documented Cases

मैनुअल मंजूरी और भुगतान प्रसंस्करण में देरी (Manual Approval & Payment Processing Delays)

₹1-3 lakhs per project per month in delayed vendor payments; 5-7% project margin erosion due to payment disputes and vendor churn

Running Account Bills (RA Bills) used in Indian construction require verification against BOQ, work completion certificates, and retention calculations. Manual re-entry into bank portals, email approvals, and absence of digital workflows introduce 10-14 day delays. Subcontractors, facing cash flow stress, either delay work or demand upfront deposits, creating project bottlenecks.

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प्रतिधारण राशि और छूट प्रबंधन में त्रुटियाँ (Retention & Deduction Calculation Errors)

₹2-4 lakhs per project in retention miscalculations and overpayment; 1-2% of project value locked unnecessarily in disputed retention amounts

Retention management requires rule-based calculations (5% retention on RA Bill, 50% release on substantial completion, 100% release after defect liability). Manual spreadsheet tracking leads to miscalculations, overheld amounts, duplicate deductions, and vendor disputes. System-driven retention release documentation is often missing during audits.

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वास्तविक समय देयता और नकदी प्रवाह दृश्यमानता की कमी (Lack of Real-Time Payables Visibility)

20-30 hours/month in manual reporting and reconciliation; 2-3% working capital inefficiency due to poor payables forecasting

Finance teams receive invoice approval status updates via email or manual ERP reports, creating information asymmetry. Project-level invoices sit in approval queues without centralized visibility. Retention release timing is unclear, preventing accurate cash forecasts. Budget vs. actual spend comparisons lag by 1-2 billing cycles.

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