Asset Liability Management · Community Financial Institutions

ALM that
tells the truth.

Community banks and credit unions deserve better than slow, conflicted ALM. We deliver institutional-grade modeling with no hidden agenda and no fluff — before your next ALCO meeting.

See what we do Get in touch
13+
Years in ALM
execution
100+
Institutions
served
0
Products we
cross-sell
What We Do

ALM consulting built for
how decisions actually get made.

Most ALM takes weeks and arrives too late to act on. We run institutional-grade modeling, QC it ourselves, and put the results in front of your board in plain language — with time to spare before your ALCO.

Simple data intake

Upload your balance sheet files through our secure client portal. Set your ALCO date. That's it. No back-and-forth formatting requirements, no IT involvement. We handle the standardization.

Institutional-grade modeling

Built on an industry-leading, robust cash flow engine. Rate shock scenarios, EVE and NII analysis, cashflow projections — run with real assumptions built on your actual data, not industry defaults.

Reporting that looks forward

A report set focused on what you need to know for what can happen — not rehashing where you've been. Built off your data, speaking your language, and designed to challenge your objectives rather than confirm them.

How It Works
1
You upload
Balance sheet data via the secure client portal. Excel, CSV, core banking export — all accepted.
2
We validate
Your analyst reviews the data against a structured checklist. If anything's off, we reach out directly.
3
We model
Data runs through our cash flow engine. Scenarios are generated, QC'd, and reviewed by a senior analyst.
4
You receive
Reports delivered to your portal and inbox. Ahead of your ALCO — with time to actually read them.

Ready to see if we're a fit?

No sales deck, no demo call just to get a price. Tell us about your institution and we'll be direct about whether we can help and what it looks like.

rohit.murjani@sachialm.com
United States · Remote-first

Message received.

Rohit will review your note and follow up directly. We don't route inquiries through a sales team.

Who We Are

Built by someone who ran
ALM for 13+ years.

SachiALM isn't a consulting firm that added ALM to its services menu. It was built from the ground up by someone who saw the industry's problems from the inside — and decided to fix them.

"Legacy ALM has lost its way — it helps you pass exams, but it doesn't help you actually serve your institution. A data-driven approach can transform ALM into something that makes a real impact. At SachiALM, it's your data, your story."

Helped build Enterprise Shape Management (ESM) — an ALM platform that eventually served 100+ institutions.

Led ESM for over a decade, managing the team, evolving the product, and sitting at the ALCO table across dozens of institutions.

Rohit Murjani — Founder & CEO, SachiALM
Rohit Murjani
Founder & CEO, SachiALM
13+ years at the intersection of interest rate risk, modeling, and community banking. Started SachiALM because the market needed an ALM firm that was fast, honest, and built around the actual needs of community institutions — not the interests of the platforms they sell.

No cross-selling. No predetermined conclusions. No 60-day turnarounds. Just data-driven analysis delivered in time to actually matter.
Interest Rate Risk Community Banking Cash Flow Modeling EVE / NII ALCO Advisory Regulatory Compliance