TaxSavvy

For MSMEs

Pay on time. Stop paying interest.

Advance tax in four instalments avoids interest under Sec 424 and 425 (old 234B, 234C).

  • ₹90,500

    interest avoided on ₹10 lakh of tax

    Nothing paid in advance, all paid on 31 July: 3% on each missed instalment, 1% for March, plus 1% a month for April to July. [1][2]

  • ₹10 crore

    business turnover before a tax audit

    For a business with cash receipts and payments each 5% or less; otherwise ₹1 crore. Professions: ₹50 lakh. Sec 58 filers who declare less than the presumptive profit need an audit too. [3]

Worked examples for tax year 2026-27, Income-tax Act 2025, resident individual in the new regime unless stated. Your own figures will differ.

Step 1

Upload your bank statement

Bank statement analyser

Sales, purchases, tax paid and cash share, by month.

Also: Notice decoder

Upload bank statement

Step 2

What you get

Your benefit

₹90,500

a year, on the example above. Your own number comes from your statement.

The service that gets it done

Compliance Pack onboarding

Monthly

₹1,999

Monthly, plus 18% GST

  1. Information

    • PAN (business and owners)
    • Aadhaar of owners / directors
    • +4 more

  2. Discussion

    • What do you sell, to whom, how are you paid?
    • What is pending today?
    • +2 more

  3. Forms

    • Business Map completed
    • Compliance calendar set
    • +1 more

  4. Deliverables

    • Your compliance calendar + catch-up plan
    • WhatsApp group with your CA
Assign a SavvySee every step

Every answer comes as FPAC: Facts, Provisions and law, Analysis, Conclusion. A verified Savvy does the work, a CA checks it, and you pay the price shown.

Sources

  1. [1]Sec 425 (old 234C): interest on instalments
  2. [2]Sec 424 (old 234B): interest, 1% a month
  3. [3]Sec 63 (old 44AB): tax audit limits
  4. [4]Income-tax Act 2025 in force from 1 April 2026

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Worked examples from the law, then your own from one upload.