Better Hedging.
Smarter Working Capital.
Stronger Treasury.
Practical treasury insights for Indian exporters — written by a specialist with 25+ years of hands-on experience across forex risk, working capital and banking cost optimisation.
- Cash Flow Forecasting: Why Visibility Is the First Step to Working Capital Control
Sales are up, but cash is tight? Learn how an 8–13 week cash flow forecast gives Indian businesses the visibility to stop reacting and start planning. If we’re brutally honest, most businesses — even well-run ones — struggle to answer two simple questions with confidence: 1. How much do we… Read more: Cash Flow Forecasting: Why Visibility Is the First Step to Working Capital Control - How to Protect Your Export Margins from FX Risk Part-1
A forex gain in your P&L can hide a real loss. The only honest check is comparing your realised rate to your costing rate. If you are an Indian SME exporter today, it’s almost impossible not to be confused and frustrated about hedging export receivables. USD/INR and EUR/INR have moved… Read more: How to Protect Your Export Margins from FX Risk Part-1 - How Indian SME Exporters Can Cut Working Capital Interest by 2–3% — Without Changing Their Business
A plain-language guide to blending PC INR and PCFC smartly — and how USD/INR movement affects your actual loan repayment If you run an export business, you already know that working capital is your lifeline. You need money to buy raw material, pay wages, and run production — and then… Read more: How Indian SME Exporters Can Cut Working Capital Interest by 2–3% — Without Changing Their Business
Sajan ST is a treasury consultant, technical analyst, and financial markets specialist with over 25 years of hands-on experience in the Indian financial ecosystem. He has worked extensively with exporters across India — from emerging mid-sized enterprises to large corporate treasury teams — enabling them to make informed and strategic decisions on forex risk, working capital, banking relationships, and liquidity deployment.
What differentiates Sajan is his ability to bridge the gap between complex treasury theory and practical business application, simplifying decision-making for finance teams and business owners alike. He is the founder of FX Capital India, established with a clear vision: to bring structured, CFO-level treasury thinking to Indian exporters of all sizes.
Sajan writes in-depth articles on working capital, forex risk, treasury management and banking costs on Substack. Free to read. No paywall. Written for Indian exporters and finance professionals.