SpireStock
SpireStock
Schemes without the spreadsheet chaos

Scheme & Incentive Engine

Run complex incentive programs without the spreadsheet chaos. SpireStock's scheme engine supports flat schemes, bulk-pack incentives, quantitative bonuses, and free-of-cost schemes, all applied automatically when orders are placed.

Updated: April 2026

100%Scheme accuracy
Rs 1.8CrAnnual leakage plugged
4Scheme types supported
0Manual reconciliation
Start Free TrialView Pricing
The Problem

Manual scheme reconciliation is leaking 2-5% of your monthly revenue

  • 1Schemes are calculated in Excel by 2-3 people, always late, always wrong, always disputed.
  • 2Distributors claim incentives you never announced; finance spends weeks arguing instead of collecting.
  • 3Brand managers announce new schemes on WhatsApp, and DSRs forget to apply them on half the orders.
  • 4Month-close takes 8-12 days because scheme reconciliation with principals is a nightmare.
  • 5You have no idea which schemes actually lift primary sales and which just subsidise existing business.
  • 6India's FMCG distribution sector loses an estimated Rs 4,000-8,000 crore annually to scheme leakage from manual calculation errors, expired schemes running past their end dates, and fraudulent claims (BCG-CII Trade Scheme Efficiency Report).
  • 7Round-tripping fraud (buying stock from one distributor at scheme price and selling to another at full price) goes undetected without automated cross-distributor transaction monitoring.
  • 8Split invoice fraud, where a single large order is broken into multiple small orders to qualify for per-invoice schemes, costs brands 3-7% of scheme budgets annually.
The Solution

How SpireStock Scheme & Incentive Engine Solves It

  • 1SpireStock's scheme engine runs six scheme types, flat, slab-based, BOGO, target-linked, seasonal and retailer-specific, and applies them automatically at the moment of order placement.
  • 2Every scheme is time-bound, product-bound and user-bound, with built-in anti-fraud checks for round-tripping and split-invoice manipulation.
  • 3Finance can close books in 2 days instead of 12, and brand managers get real-time scheme ROI with zero leakage.

Key Benefits

Why Scheme & Incentive Engine?

Multiple Scheme Types

Configure flat incentives per unit, bulk-pack schemes with slab pricing, and quantitative bonus schemes.

Auto-Application

Schemes are automatically applied to qualifying orders based on product, quantity, and route criteria.

User-Level Assignment

Assign schemes to specific distributors, retailers, or routes. Control who gets what incentive.

Scheme Analytics

Track scheme utilization, cost, and impact on sales with detailed reports.

Workflow

How It Works

1

Design scheme in the admin console

Choose from six scheme types: flat, slab-based, BOGO (buy one get one), target-linked, seasonal and retailer-specific. Select products, set qualifying quantities and incentive structure.

2

Scope scheme to audience

Assign to specific distributors, retailers, routes or zones. Schemes can run in one town and not another, or target only modern trade, or only top-tier retailers.

3

Set start and end dates

Every scheme has a start and end date and auto-deactivates after expiry. No 'zombie' schemes running forever.

4

Auto-apply on order placement

When a qualifying order is placed on the mobile app or web, the scheme fires automatically and discount / free goods appear on the order. No manual intervention, no Excel lookup.

5

Anti-fraud validation

Built-in fraud detection flags round-tripping (same stock bought and resold between distributors), split-invoice manipulation (single order broken to hit per-invoice thresholds) and out-of-territory claims.

6

Settlement and payout

Scheme-wise payout reports go to finance for settlement with the distributor or recovery from the principal.

7

Scheme ROI analytics

Brand managers see per-scheme lift on primary sales, redemption rate, and cost per incremental unit, enabling data-driven scheme design.

Capabilities

Everything You Need, Built-In

Flat scheme

Fixed per-unit discount or incentive applied to every qualifying unit.

Slab-based scheme

Tiered pricing where unit price drops with volume across configurable slabs.

BOGO scheme

Buy one get one (or buy X get Y) configurations with same-SKU or cross-SKU options.

Target-linked scheme

Monthly or quarterly volume targets with slab-based bonuses triggered on achievement percentage.

Seasonal scheme

Auto-activating schemes for specific periods (Diwali, summer, Holi) with pre-configured start/end dates.

Retailer-specific scheme

Targeted incentives for specific retailer tiers, outlet types or individual retailer IDs.

Real-World Scenarios

Use Cases

Brand manager

Diwali bulk pack scheme

1 / 6
Scenario

An FMCG super-stockist runs a 'buy 20 cartons get 1 free' Diwali scheme across 9 districts.

Solution

The scheme is configured once with product, date range and qualifying quantity. Every qualifying order auto-adds the free carton.

Outcome

Primary sales jumped 22% during the campaign with 100% scheme accuracy and zero disputes.

Built For Your Role

Who It's For

B

Brand / Category Manager

Designs trade schemes and needs accurate, real-time ROI on every campaign.

No scheme ROI visibilityLate and wrong reconciliationLeakage to wrong retailers
F

Finance Controller

Settles scheme claims with principals and distributors, needs a clean, auditable trail.

Month-close takes 8-12 daysDisputed scheme claimsNo audit trail for principals
S

Sales Manager (ASM/DSM)

Runs the field force and wants schemes to fire correctly without daily babysitting.

DSRs forget to apply schemesScheme communication gapsDistributor disputes
D

Distribution Business Owner

Wants to stop revenue leakage from wrong scheme application and to design schemes that actually grow sales.

2-5% monthly revenue leakageNo scheme ROIAlways fighting with distributors

Built to Deliver

Performance at Scale

100%Scheme accuracyzero manual errors after going live, every scheme applied deterministically by the engine
ZeroScheme leakageno expired schemes running, no wrong-distributor claims, no split-invoice fraud after anti-fraud module activation
Rs 15L-30LMonthly revenue leakage pluggedfor a typical Rs 100 Cr distributor
-75%Month-close timefrom 12 days to 3 days for scheme reconciliation
+18%Primary sales liftaverage during scheme campaigns after auto-application
Rs 8L-25L/quarterFraud detection savingsfrom catching round-tripping, split-invoice and out-of-territory scheme abuse

“We used to employ 4 people just to reconcile schemes with distributors every month. Arguments, Excel sheets, and payments delayed by 15 days. SpireStock killed all of that overnight, schemes fire automatically, reconciliation is instant, and my finance team now closes books in 3 days.”

A
Anjali Mehta
CFO · Mehta Distribution Pvt Ltd, Ahmedabad
Case Study

Suryavanshi FMCG

FMCG Super-Stockist, Maharashtra

Challenge

Suryavanshi ran 14 active schemes a month across 400 retailers. Scheme disputes with distributors cost Rs 1.8 crore annually in write-offs and recoveries.

Result

SpireStock's scheme engine eliminated 100% of scheme errors, recovered Rs 1.8 crore in year one, and reduced month-close time from 11 days to 2 days.

Built For

Industries We Serve

Dairy Distribution

Per-litre flat incentives and volume-based quantitative bonuses for retail push.

FMCG Distribution

Primary and secondary schemes including slab-based bulk pack offers for super-stockists.

Beverage Distribution

Case-based slab schemes with seasonal FOC offers during summer and festivals.

Bakery Distribution

Fresh product push with buy X get Y free schemes for top performing retailers.

Consumer Goods

Multi-brand portfolio schemes with complex eligibility rules by category and region.

Integrations

Connects With Your Stack

Hover or tap any integration to learn more.

T

Tally Prime

Accounting

Post scheme-wise payouts and discounts into Tally ledger.

S

SAP Business One

ERP

Sync scheme master and settlement data for enterprise-grade reporting.

M

Microsoft Excel

Data Import/Export

Bulk import schemes, rate lists and outstandings from Excel.

W

WhatsApp Business API

Messaging

Broadcast scheme launches to distributors and retailers on WhatsApp.

Z

Zoho Books

Accounting

SMB accounting sync for scheme payouts.

F

Firebase Cloud Messaging

Notifications

Push alerts to DSRs when a new scheme goes live.

Comparison

SpireStock Scheme Engine vs Manual vs Generic ERP

Feature comparison between SpireStock and competitors
FeatureSpireStockExcel / ManualGeneric ERP (SAP/Oracle)
Flat / bulk / quantitative / FOC schemesPartialPartial
Auto application on order entryPartial
Scheme ROI analytics
Bulk import from ExcelPartial
Geography and user scopingManualPartial
Integrated with order managementPartial
Go-live time7 daysN/A6-12 months
Cost for 50-user distributorIncluded in Growth planLabour costRs 4L+/month

Deep Dive

Everything You Need to Know

In-depth articles on implementation, best practices, and real-world strategy.

01

Why scheme automation is the biggest ROI lever in Indian distribution

Trade schemes in Indian distribution are not a side activity, they are the core lever for primary and secondary sales. A typical FMCG distributor spends 4-7% of turnover on trade schemes. For a Rs 100 crore distributor, that is Rs 4-7 crore of cheques flowing out every year, most of it reconciled manually on Excel.

SpireStock's scheme engine replaces that chaos with deterministic, auto-applied rules. Distributors of Amul, Britannia, Parle and Haldirams in Mumbai, Ahmedabad and Chennai now plug 2-5% of monthly revenue leakage just by moving scheme calculation into SpireStock.

The outcome: 100% scheme accuracy, 75% faster month-close and measurable ROI on every campaign.

02

Why Excel-based scheme management always fails

Every distributor starts with Excel. It works for 5-10 schemes. By the time you cross 20 schemes, Excel becomes a liability.

  • Hard to scope: one scheme for Dharavi, another for Andheri, a third for modern trade, Excel cannot express this cleanly.
  • Hard to time-box: expired schemes keep running because nobody remembers to remove them.
  • Hard to audit: who changed the slab from 50 cases to 40 cases? Nobody knows.
  • Hard to reconcile: the DSR applied a scheme, finance says the retailer did not qualify, and the argument lasts 3 weeks.

SpireStock eliminates every one of these issues by moving scheme rules into a declarative engine that runs at order placement time. Combined with order management and GST invoicing, every scheme is auto-calculated, auto-applied and auto-reconciled.

03

Best practices for trade scheme design

The best brand managers and distributors we work with follow a clear playbook:

  1. Design for the ROI metric first. Pick the primary outcome (primary sales lift, new retailer acquisition, dormant retailer activation) before designing the scheme.
  2. Scope narrowly. Run targeted schemes on specific routes or retailer tiers, broad schemes subsidise business you already have.
  3. Time-box aggressively. Schemes longer than 30 days become 'the new normal' and lose their lift.
  4. Measure pre and post. SpireStock automatically compares scheme-window sales to the 30-day baseline.
  5. Close the loop with the principal. Use the settlement pack to claim reimbursements cleanly, read our guide on scheme settlement with principals.

For a deeper dive see our complete distributor management solution.

04

Scheme engine for dairy, beverage and FMCG

Schemes look different in different categories:

  • Dairy schemes focus on per-litre flat incentives and daily volume bonuses.
  • FMCG schemes emphasise slab-based bulk pack offers and seasonal FOC.
  • Beverage schemes run on case-based slabs with summer and festival peaks.

SpireStock's engine handles all these patterns natively. Configure once, apply at scale.

Enterprise-Grade

Security & Compliance

Certifications

ISO 27001SOC 2 Type II

Data Residency

India (Mumbai & Hyderabad AWS regions)

Security Features

  • Immutable scheme version history
  • Role-based scheme editing
  • Audit trail on every scheme change
  • Encrypted pricing data
  • Four-eyes approval on high-value schemes

Uptime SLA

99.9% SLA

Guaranteed availability

Simple Pricing

Scheme & Incentive Engine, Included From Day One

No hidden fees. No per-feature charges. One transparent plan that scales with your distribution network.

Growth Plan

Everything you need, one price.

Included in all plans from Rs 4,999/month

  • Unlimited users & transactions
  • All features included
  • Onboarding + training included
  • 24/7 priority support
Billing Model
Unlimited schemes, no per-scheme fee
30-day free trial · no credit card
View Full PricingTalk to Sales

White-Glove Support

Onboarding & Support

From signup to go-live in days, with dedicated support in 7+ Indian languages.

Live in 7 days

Onboarding Time

  • 24/7 chat
  • Dedicated Customer Success Manager
  • Phone
  • WhatsApp

Support Channels

EnglishHindiTamilTeluguMarathiGujaratiKannada

Languages

  • Scheme design workshop
  • Brand manager onboarding
  • Monthly scheme playbook
  • Video library

Training

FAQ

Frequently Asked Questions

Everything you need to know about Scheme & Incentive Engine. Can't find your answer? Contact us.

What types of schemes are supported?

SpireStock supports four scheme types: Free (buy X get Y free), Flat (per-unit incentive), Bulk Pack (slab-based), and Quantitative (volume-based bonus).

Can schemes be date-limited?

Yes, every scheme has start and end dates. Expired schemes are automatically deactivated.

Can I import schemes from Excel?

Yes, bulk import schemes, rate lists, and outstanding amounts via Excel templates.

What scheme types does SpireStock support beyond the basic four?

In addition to flat, bulk pack, quantitative and FOC, SpireStock supports target-linked schemes (quarterly/monthly volume targets with slab bonuses), seasonal schemes (auto-activate during specific periods like Diwali, summer or Holi), and retailer-specific schemes (targeted at specific retailer tiers, geographies or outlet types). All six types can be combined for complex campaigns.

How does SpireStock prevent scheme fraud?

SpireStock includes built-in anti-fraud detection for three common fraud patterns: round-tripping (same stock circulating between distributors to claim scheme benefits multiple times), split-invoice manipulation (large orders broken into smaller invoices to qualify for per-invoice thresholds), and out-of-territory claims (distributors claiming schemes meant for another geography). The system flags suspicious patterns and blocks or alerts in real time.

What does 100% scheme accuracy mean in practice?

It means every qualifying order gets the correct scheme applied automatically, no orders miss a valid scheme, no orders receive a scheme they should not, and no expired schemes are applied. The engine evaluates scheme eligibility deterministically at order placement time, eliminating the human errors that cause 2-5% revenue leakage in manual operations.

Is there a free trial?

Yes, SpireStock offers a full-featured 30-day free trial. No credit card required. You get access to all modules including this feature, with real data import and onboarding support.

How long does implementation take?

Most distributors are live within 7 days. Our onboarding team handles data migration, user training, and workflow configuration. You can start with one module and expand over time.

Does it work offline?

Yes. The SpireStock mobile app caches data locally and syncs automatically when connectivity is restored. No delivery data or order is ever lost, even in areas with patchy network coverage.

Can I integrate with Tally or SAP?

Yes. SpireStock exports data in Tally-compatible formats and provides REST APIs for SAP, Oracle, and other ERP integrations. Enterprise plans include custom data sync setup.

Is my data secure?

Absolutely. SpireStock uses end-to-end encryption, role-based access control, and stores data in Indian data centers (Mumbai & Hyderabad). We maintain ISO 27001 and SOC 2 Type II certifications.

What languages are supported?

SpireStock supports English, Hindi, Tamil, Telugu, Marathi, Gujarati, and Kannada, with more languages being added. Your field team can use the app in their preferred language.

Can I use just this feature without the full platform?

Yes. SpireStock is modular, you can start with just this feature and add more modules as your needs grow. There's no lock-in to the full suite.

What kind of support do you offer?

24/7 chat support, a dedicated customer success manager for Pro and Enterprise plans, email support, and a comprehensive video library. Average response time is under 2 hours.

Explore More

Related Features

Built For

Industries Using Scheme & Incentive Engine

Dairy DistributionFMCG Distribution

From The Blog

Dive Deeper

View all articles

Try Scheme & Incentive Engine Free for 30 Days

No credit card required. Set up your workspace in under 5 minutes.

Start Free TrialAll Features