LYQD BY MYTRA
Know what cash you can invest — and when you’ll need it.
Make idle cash work smarter.
Corporate liquidity for finance teams. See bank cash, upcoming commitments and free cash on one screen — so you know what’s available before payday, taxes and vendors hit.
- Free cash after commitments & buffer
- Clear view of the next payment window
- SaaS + open-source Frappe app
Built for IT services · SaaS · Consulting · BPO · Professional services
4.82 − 1.15 commitments − 1.27 buffer & restricted = ₹2.40 Cr free cash
- Free cash from local bank balances
- Commitments mapped to the payment calendar
- Shortfalls visible before they hit
- You decide what happens next
The challenge
Surplus cash often sits idle between pay cycles.
Service businesses collect ahead of payroll, vendors and taxes — then leave large balances in current accounts because the next payment date feels unclear.
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Large current-account balances
Collections land before salaries, vendors, GST/TDS and rent are due.
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Unclear what’s safe to leave idle
Teams fear a shortfall more than they value idle float.
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Scattered decisions
Spreadsheets and ad-hoc emails make cash choices hard to review later.
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Hard to plan ahead of payday
Without a free-cash number, teams sit on too much idle balance — or scramble.
What LYQD helps with
Cash position → Commitments → Free cash.
Start with visibility. Once free cash is clear, leave it in the bank — or optionally run a Proposal (Invest / Redeem) after you understand the options.
Cash position
Local bank statement balances, buffer and restricted cash — always on this site, not remote ERPNext pulls.
Commitments
Payroll, vendors, taxes and recurring dues in your horizon. Optional accept-from-books when ERPNext is connected.
Explainable free cash
Bank − commitments − buffer − restricted, with a saved Surplus Run you can review line by line.
Optional Proposal
When free cash is clear, Invest or Redeem via Mytra — human-approved. Not required for the forecast.
How it works
Four steps your finance team stays in control of.
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1
Cash position
Start from local bank balances, buffer and restricted cash.
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2
Commitments
List planned payments in the horizon that reserve cash.
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3
Free cash
Review the waterfall so idle float and tight windows are both visible.
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4
Decide
Leave free cash in the bank, tighten the plan, or optionally Propose Invest / Redeem.
LYQD starts as a cash forecast. Allocating surplus is optional and always human-approved.
Use cases
Known payment dates. Forecast the cash you’ll need.
- Payroll Collections mid-cycle → salaries at month-end. Compute free cash before payday.
- Taxes & vendors GST, TDS and vendor runs on a known schedule. Spot shortfalls early.
- Recurring ops Rent, tools and subscriptions — keep buffer separate, re-check when the calendar shifts.
Control
Your cash. Your decisions. Clear visibility.
LYQD shows the numbers; your business decides. Mytra can support mutual fund workflows as a Mutual Fund Distributor if you later choose to allocate surplus — not as the custodian of your bank balances.
- Free cash always reflects the Surplus Run waterfall
- Shortfalls visible before payment dates
- Bank balances stay local — Other Site may mirror accounts, not statement pulls
- Optional Proposal (Invest / Redeem) requires human approval — no autonomous BSE execution
- Expected receipts don’t inflate available cash until confirmed
After free cash is clear
Idle current-account cash typically earns nothing.
Some teams compare leaving free cash in the current account, a short bank deposit, or a liquid mutual fund. The last is market-linked and optional — subject to scheme terms and settlement.
Idle current account
~0% p.a. typical
- Usually earns little or no interest
- Often sits idle between payment dates
Short-term bank FD
~3% p.a. illustrative
- Hypothetical rate for examples only
- Bank deposit — different from a mutual fund
Liquid mutual fund
~5.5% p.a. illustrative only
- Hypothetical stated rate — not a forecast
- Not a bank deposit; plan ahead of dues
- Fits the payment calendar — short windows between known dues, not multi-year investing.
- Plan ahead of dues — subject to scheme cut-offs, business days and settlement.
- What it is not — not a bank deposit, not operating cash, not a fixed-return promise.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. See the illustrative calculator.
Illustration
Illustrative interest calculator
Interest = Principal × Annual rate × Days ÷ 365. Not a mutual fund return forecast, not tax-adjusted, and not a promise of performance.
Defaults: ₹2 crore · 7 days · 3% ≈ ₹11,507 vs 5.5% ≈ ₹21,096.
Hypothetical interest for stated annual rates only — not forecasts of mutual fund performance. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Liquid funds are not bank deposits and do not guarantee principal, fixed returns, or credit on a specific clock time.
FAQs
Straight answers for finance leads.
Is LYQD for businesses that “don’t invest”?
Yes. The core product is cash visibility: bank cash, commitments and free cash. A Proposal (Invest / Redeem) is optional after free cash is clear — not a requirement.
Does LYQD require ERPNext?
No. LYQD installs without ERPNext. Books are optional — Manual, This Site, or Other Site. Bank statement balances always stay local on LYQD Bank Balance.
Does LYQD move money automatically?
No. Free cash is a forecast. Any Invest / Redeem proposal requires human approval. There is no autonomous trading from LYQD.
Is a liquid fund the same as a bank deposit?
No. Mutual funds are market-linked. They are not bank deposits, do not guarantee returns or principal, and are not a substitute for operating bank balances.
Who decides what to do with free cash?
Your business. LYQD computes free cash; leaving it in the bank, changing the plan, or optionally proposing Invest / Redeem is always your call.
SaaS + open source
Run LYQD with Mytra — or on your own bench
SaaS: lyqd.mytra.money for hosted corporate liquidity.
Open source: MIT-licensed Frappe app on GitHub — ERPNext optional. Local balances, commitments and explainable free cash.
About Mytra
Built with Mytra’s mutual fund distribution experience.
Mytra is a registered Mutual Fund Distributor with an existing BSE mutual fund transaction integration. LYQD focuses on corporate liquidity — free cash first, with optional Proposal workflows on top. Learn more about Mytra.
LYQD by Mytra
Know what cash you can invest — and when you’ll need it.
Try LYQD at lyqd.mytra.money, self-host from GitHub, or talk to Mytra on WhatsApp.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.