Did your brands pay your schemes right — down to the last rupee?
Last reviewed·ReconPe Editorial
You hit the targets. You ran the offers. You booked the sales. But did every brand actually pay what its scheme promised? MarginOps checks — brand by brand, credit note by credit note — and shows you the money still sitting with them.
Not sure yet? Take the free 60-second Scheme Leakage Audit — no sign-upBuilt for Indian multi-brand electronics dealers — built with dealers, for dealers.
The brand tells you what it owes you. Nobody checks if it's right.
Every festive season you earn lakhs in schemes — QPS slabs, price protection, free gifts. Then the credit notes trickle in weeks later, buried in a statement, and your accountant ticks them off in a register. Every brand is quietly betting you won't check each one. This is where your money leaks.
Unclaimed QPS / QDS incentives
Volume and sell-out incentives you earned but never claimed — sitting across different brand portals.
Short-paid claims, no reason code
A claim credited for less than the slab promised, with no line-level reason you would catch by eye.
Price protection never credited
The brand cut the price while you still held old, higher-cost stock — and the per-unit credit never came.
Credit notes that never arrived
A scheme circular promised a rebate; months later the credit note is simply missing from the statement.
Free units / gifts short-shipped
Goods-based schemes — free units on a slab, gold coins, bundled phones — promised but never fully dispatched.
Portal says X, the bank got Y
The brand portal shows one number; what actually landed in your account is another. Nobody reconciles the two.
From the scheme email to money back in your hands.
No six-month project, no new register for your staff. Five steps — and after you set it up once, it mostly runs itself.
Forward the emails once; upload the files you already download.
Illustrative. Nothing changes in your books, and no claim is filed, until you approve it — MarginOps proposes, you decide.
Three rails, in your own categories.
Scheme money reaches you three different ways. MarginOps reconciles each on its own terms — because a missing credit note and a short-shipped gift are not the same problem.
| Rail | What it is | How MarginOps reconciles it |
|---|---|---|
Rail A — In-bill discounts | Money knocked off on the purchase invoice itself. | Invoice line matched against the scheme circular that priced it. |
Rail B — Backend money (credit notes) | QPS / QDS / target rebates paid later as credit notes. | Brand statement matched to your ledger, claim-by-claim, against the slab that earned it. |
Rail C — Goods (gifts / free units) | Free units on a slab, gold coins, bundled devices dispatched free of cost. | Goods promised on the scheme reconciled against goods actually received (GRN). |
Money-correctness is built in: sell-out (secondary) reimbursements restore your selling-side margin and are never double-counted into landing cost, and a free gift you received is valued at what it is worth to you — not net of an ITC reversal the brand, not you, actually owes.
Scheme money hides in more than one place.
A missing credit note, a short-shipped gift, a sell-out claim reimbursed once too little, a financier deduction. MarginOps watches every surface where a rupee can go missing — because these are not the same problem, and a spreadsheet treats them as if they are.
In-bill discount
The invoiced price checked against the scheme circular that priced it.
Statement vs Tally
The brand's monthly statement matched to your purchase ledger, claim-by-claim — 'owed' becomes 'received' the moment the credit note posts.
Gift / free goods
Units promised on a goods scheme reconciled against what actually hit your stock (GRN) — SKU, quantity, timing.
Secondary / sell-out claim
The offer you extended to the customer, claimed back from the brand — matched so every reimbursed rupee lands exactly once.
EMI subvention
The financier's payout and deductions (Bajaj, HDFC, Tata Capital) against your expected subvention and commission per financed sale.
Settlement into Tally
The final check: confirm the credit note actually posted to the ledger — so a claim you raised is a rupee you banked.
Gross margin is a lie until scheme money is reconciled.
MarginOps shows your true Net Landing Cost and total margin per brand — after every claim, rebate, credit note, and in-kind benefit — so you know which brands actually make you money.
invoice price − all scheme credits − price protection + freight + non-creditable tax + 194R TDS on in-kind benefits
194R TDS (10% on in-kind dealer benefits over ₹20,000 in a financial year) is stated as fact — and framed as a recoverable credit and cash-timing line, not a margin loss.
Brand A looked profitable — until unclaimed schemes and 194R TDS were netted in. That per-brand truth is the difference between a gut feel and a decision.
Wake up to what you are owed.
One templated email a day rolls up the day's scheme and rate expiries, schemes pending your review, fresh leakage, slab jumps, and gift thresholds — with high-priority items, like a large claim expiring imminently, sent immediately.
It is the daily reason a dealer keeps MarginOps open — not just a monthly reopen.
Your money on one board — and in your inbox.
Recovery is the hook. A board that shows your true margin per brand, your leakage in one number, and which brand is sitting on your cash is why a finance head reopens MarginOps every month.
True margin per brand
Which brands actually make you money — after every scheme, credit note, and in-kind benefit, not the invoice illusion.
Expected vs Realized
Money from approved schemes versus money that actually landed. The gap is your leakage — one number, updated as statements come in.
Slowest-payer meter (DSO)
How long each brand takes from claimed to credited. The distance from claimed to credit-noted is money you have earned but not yet banked.
Recovery inbox
Every flagged short-payment and missing credit note, ranked by rupees and ready to claim — with the exact source row attached.
And it comes to you. The Daily Money Digest lands every morning — expiries, schemes to review, fresh leakage, and slab jumps within reach — with urgent items, like a large claim about to expire, sent the moment they happen.
The AI never touches your books without your approval.
For a dealer disputing a short-payment with the brand, being able to show the exact line is the difference between a recovered claim and a lost argument.
AI proposes, you dispose
Every AI suggestion lands in a review queue where an admin approves, edits, or rejects it. The AI never posts, adjusts, or files anything on its own.
Every number has a receipt
Full audit trail from any figure in your recovery list back to the exact source row — ready for the brand's finance team or your auditor.
Claim what you are owed — privately
Dispute drafts are dealer-initiated and private. There is no brand-visible telemetry: you keep every brand relationship exactly as it is.
Your data stays yours
MarginOps reconciles the files you already have. It does not migrate your portals, change your ERP, or move a single rupee.
It replaces work — it does not add it.
The two fears of a multi-brand dealer: another login, and a six-month implementation. Both are wrong here.
No. MarginOps replaces the spreadsheet reconciliation your team already does by hand, and works with files you already download. No portal migration, no rip-and-replace, no month-long setup.
No. You keep your brand relationships and portals exactly as they are. MarginOps sits on your side of the ledger and never touches the brand's systems.
Marg records and reminds. MarginOps reconciles — it matches the brand's statement against your ledger, flags every short-paid and missing credit note, and proves the leakage claim-by-claim.
Scheme money sitting unclaimed across portals — in one view.
A dealer running ₹50 Cr across 8 brands typically has scheme money sitting unclaimed across portals. MarginOps is built to surface every rupee of it, brand by brand, against the scheme that earned it.
On day one, MarginOps runs your last 2–3 quarters and shows what you already under-collected — how many credit notes came short and how many gifts never arrived. You see the number before you commit to anything.
Design-phase and honest: figures on this page are illustrative and mechanism-based. Run your real files to get your exact number.
See your first gap before you pay.
Upload a single brand statement and MarginOps shows you the gap it finds. It is the lowest-friction proof — and the start of an assisted setup, not a card-swipe signup.
Run my first reconciliationA visible base price, then it scales with you.
No hidden 'expensive and negotiable against me' pricing. The base is shown openly; you scale on the brands and seats you actually add.
Includes 3 brand connections and 2 user seats. Additional brands and seats bill above the base — email alerts, including the Daily Money Digest, are included, not metered.
Start with one free reconciliationOr compare all plans on the pricing page →Not a success fee. A base subscription that scales on the providers and seats you add — so the model never rewards inflating 'recovered'.
Run your first statement free and see your gap before you pay. It feeds an assisted onboarding, not a self-serve card swipe.
Alias / auto-forward, Tally, Partner Code Master, and your Daily Money Digest recipients are set up with you, not left to self-setup.
The recurring fee is justified by recurring monthly margin clarity — not just a one-time recovery.
The vocabulary, defined.
Plain, citable definitions — the working vocabulary of dealer scheme reconciliation.
Last reviewed·ReconPe Editorial
Read the full 2026 dealer scheme reconciliation guideWhat is a QPS claim?
A QPS (Quantity Purchase Scheme) claim is a volume-based incentive an electronics brand owes a dealer for hitting a purchase-quantity slab in a period. Dealers accrue QPS as they buy, then claim it back. Reconciling QPS means matching what the scheme circular promised against what the brand actually credited.
What is Net Landing Cost (NLC)?
Net Landing Cost is a dealer's true per-unit cost after every brand scheme, discount, and rebate is subtracted from the invoice price — and every added cost (freight, 194R TDS, non-creditable tax) is added back. NLC tells a dealer whether a deal is actually profitable, not the invoice price.
What is total-margin reconciliation for a dealer?
Total-margin reconciliation checks a dealer's real earned margin against every component that moved it: base margin, QPS and QDS payouts, price-protection credits, and cost leakages. It answers whether you actually made what the brand's scheme promised — across all schemes at once, not one at a time.
What is price protection in electronics distribution?
Price protection is a brand credit that compensates a dealer when the brand cuts a product's price while the dealer still holds old, higher-cost stock. The dealer claims the per-unit difference on unsold inventory. Reconciling it means matching the brand's price-drop notice against on-hand quantity and the credit actually received.
QPS vs QDS — what is the difference?
QPS rewards how much a dealer buys; QDS (Quantity Delivery / Sell-out Scheme) rewards how much they sell through. A dealer typically earns both on the same product line in the same period, which is why total-margin reconciliation must net them together rather than track either alone.
Questions a multi-brand dealer asks first.
How do electronics dealers reconcile brand schemes?
By matching three sources: the scheme circular (what the brand promised per slab), their own purchase and sell-out data (what they did), and the brand's credit notes (what was paid). Gaps between promised and paid are the recoverable claims. MarginOps is built to automate this three-way match across QPS, QDS, and price protection.
Do dealers pay TDS under Section 194R on free scheme goods?
Under Section 194R, effective 1 July 2022, a brand giving a dealer in-kind benefits — including free scheme goods — must deduct 10% TDS once the value exceeds ₹20,000 in a financial year. When the benefit is wholly in kind, the brand pays the TDS itself. Dealers record the benefit as taxable income, which is why 194R belongs in every Net Landing Cost calculation.
Why do dealers under-recover on brand schemes?
Because promised payouts live in circulars and spreadsheets while actual credits arrive as scattered credit notes, months later, with no line-level reference. Without a claim-by-claim match, short-paid and missed claims stay invisible. MarginOps is designed to surface each shortfall against the specific scheme slab that earned it.
How is dealer margin different from retail margin?
Dealer margin in electronics is not the invoice difference — it is base margin plus every scheme payout (QPS, QDS, price protection) minus every leakage (short-paid claims, 194R TDS, freight, non-creditable tax). Two dealers buying at the same invoice price can end the quarter with completely different real margins.
What does a total-margin reconciliation tool do for a multi-brand dealer?
It ingests a dealer's purchase, sell-out, and scheme-credit data across every brand and reconciles promised-vs-paid for each scheme in one view. For a multi-brand dealer juggling different circulars per brand, it is built to replace per-brand spreadsheets with a single recoverable-claims and true-margin picture.
Does the AI change my books or file claims on its own?
No. MarginOps proposes; you decide. Every AI suggestion — a recovery, a matched claim, a margin figure — lands in a review queue where an admin approves, edits, or rejects it. The AI never posts to your ledger, adjusts a number, or files a claim without your approval.
Do I need a live connection to Tally or the brand portals?
No. MarginOps works with the Tally exports and brand files you already download — CSV, Excel, PDF, or portal statements. There is no portal migration and no forced integration; file upload is the honest day-one path.
What does MarginOps cost?
MarginOps starts at ₹9,000 / month, which includes 3 brand connections and 2 user seats; additional brands and seats bill above the base, and larger multi-store dealers are sales-assisted. You can run your first statement free to see your gap before you pay.
Stop leaving scheme money with your brands.
See what you are owed — run one statement free. One reconciliation for every brand you carry, from your side of the table.
MarginOps is one workspace on ReconPe — the reconciliation platform.