BIZ
Books and virtual CFO
Bookkeeping, P&L and MIS, cash flow, business tax, loans and schemes.
For: owners who want clean books and numbers they can act on.
- Services
- 38
- Price
- From ₹999
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Services and prices
- Information
- Discussion
- Forms
- Deliverables
- Founders' personal tax planThe business and the founder are taxed differently.
- 4Information, 4
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- Education loan via Vidya Lakshmi and interest deduction (old Sec 80E, new Sec 129)An education loan's interest is fully deductible for up to 8 years if the right person borrows from an eligible lender. We help you apply through the Vidya Lakshmi portal, choose who should be the borrower, and plan the yearly deduction so it is not lost.
- 7Information, 7
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- Compliance Pack onboardingOne fixed fee, ₹1,999 a month, covers your GST, TDS, advance tax, income tax return and ROC filings. We set your calendar on day one and file before every due date.
- 6Information, 6
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- Credit report (CIBIL) error correction and RBI complaintA wrong entry on your credit report can get a loan rejected. We find the error, raise a dispute with the bureau and the lender with proof, claim the RBI compensation of ₹100 a day if they miss the 30-day limit, and file a free complaint with the RBI Ombudsman if they still do not fix it. Reading the report is DAT-CRD-01; settled status is LON-CRD-03.
- 6Information, 6
- 6Discussion, 6
- 6Forms, 6
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- Home loan application and tax benefits (interest and principal)A home loan can cut your tax through interest and principal deductions, but only if ownership, co-borrowers, completion dates and the tax regime are set up right. We check your loan readiness, plan who should borrow and own, and compute the deduction each year so it matches the lender's certificate.
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- 6Forms, 6
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- Mudra loan under PMMY: Shishu, Kishore, Tarun, Tarun PlusMudra loans are collateral-free bank loans up to ₹20 lakh for small businesses, in four slabs. We pick the right slab, prepare the project report and documents, apply on JanSamarth or at your bank, and follow up until a decision.
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- 7Forms, 7
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- TReDS invoice discounting for MSMEs (RXIL, M1xchange, Invoicemart)TReDS lets an MSME get paid early on an invoice its buyer has accepted: banks bid to discount it and the money comes the next working day, with no recourse to you if the buyer does not pay. We register you on a TReDS platform, link your buyers and set up the invoice flow.
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- 7Forms, 7
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- CGTMSE collateral-free guarantee cover for MSE loansCGTMSE is a government trust that guarantees your bank against default, so the bank can lend to a micro or small business without collateral up to ₹10 crore. We prepare the loan file, ask the bank to sanction under CGTMSE, and check that the guarantee fee and terms in the sanction letter are right.
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Show all 38 services
- MSME business loan file: CMA data, projections and bank requirementsBanks decide MSME loans on a standard file: past financials, CMA data, projections, ratios and KYC. We build that file so the numbers tie up and meet bank benchmarks, pick the right scheme (collateral-free, CGTMSE, Mudra), and handle bank queries until sanction.
- 10Information, 10
- 6Discussion, 6
- 8Forms, 8
- 4Deliverables, 4
- Stand-Up India loan for SC, ST and women entrepreneursStand-Up India gives bank loans of ₹10 lakh to ₹1 crore to SC, ST and women founders starting their first business, repayable over up to 7 years. We confirm you qualify, prepare the project report and margin plan, apply on Stand-Up Mitra or JanSamarth, and follow up with the branch.
- 8Information, 8
- 6Discussion, 6
- 7Forms, 7
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- VCFO Lite onboardingFor ₹4,999 a month you get a CA-led finance team: books, invoices, purchase checks, monthly P&L, tax planning and every compliance filed on time, with your CA on WhatsApp for 365 days.
- 6Information, 6
- 4Discussion, 4
- 3Forms, 3
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- Advance taxIf your yearly tax is ₹10,000 or more, pay it in instalments: 15% by 15 June, 45% by 15 September, 75% by 15 December, 100% by 15 March.
- 5Information, 5
- 2Discussion, 2
- 1Forms, 1
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- Bank reconciliationWe match every bank and gateway entry with the books, so nothing is missed or double-counted.
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- BookkeepingEvery transaction recorded and classified each month, so your P&L, GST and tax are always based on clean books.
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- 2Forms, 2
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- Budget vs actualA yearly budget by month, compared with actuals every month, with reasons for every big gap.
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- 2Discussion, 2
- 2Forms, 2
- 1Deliverables, 1
- Business income tax returnWe choose presumptive or books, whichever is lower and allowed, and file ITR-3, 4, 5 or 6 on time.
- 6Information, 6
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- 2Forms, 2
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- Business Money MapEvery rupee in and out on one page: where money leaks (lost GST credit, unclaimed TDS, unused tools, late collections) and what we fix first.
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- 3Discussion, 3
- 1Forms, 1
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- Business tax planningRight structure, presumptive vs books, depreciation, the 45-day MSME rule, founder salary vs dividend, and advance tax, planned before the year ends.
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- Cash flow and runwayA 13-week cash forecast so you see a cash crunch weeks before it arrives.
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- 1Forms, 1
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- Compliance Pack (all Ad Set 3 filings)Everything in the ₹1,999 Compliance Pack is included: GST, TDS, advance tax, ITR and ROC, run from the Ad Set 3 forms.
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- Expenses and vendor paymentsVendor bills checked, TDS deducted where due, and micro and small suppliers paid within 45 days so the expense isn't disallowed.
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- 2Discussion, 2
- 2Forms, 2
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- Monthly P&L and MISBy the 10th: P&L, cash, receivables, payables and the 5 numbers that matter for your business, against last month and budget.
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- 1Forms, 1
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- MSME 45-day payment ruleIf you buy from micro or small enterprises, pay within 45 days (15 days without an agreement), or the expense is disallowed until paid.
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- Purchase management and ITC reconciliationEvery purchase matched with GSTR-2B before you claim credit; suppliers chased before you lose it.
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- Sales invoicing and receivablesCorrect GST invoices, a weekly list of who owes you, and TDS deducted by customers matched with your tax credit statement.
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- Year-end closing and audit supportBooks closed, schedules ready, auditor queries answered: statutory audit for companies, tax audit where applicable.
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- CertificatesNet worth, turnover or 15CA/15CB certificates for banks, tenders, visas or foreign payments, signed with UDIN.
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- Current account and payment gatewayKeep business money separate from day one: a current account and a payment gateway in the business name make every filing simpler.
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- Inventory and costingFor goods businesses: stock records, cost per product and margin by product, so you know what actually makes money.
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- Investor reporting and board packMonthly or quarterly investor updates and board packs from the same MIS, so reporting takes hours, not days.
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- 1Forms, 1
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- Loan readiness and bank fileLenders look at clean books, cash flow and ratios.
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- PM Vishwakarma registration, toolkit and loanPM Vishwakarma gives traditional artisans a certificate and ID card, paid training, a ₹15,000 toolkit voucher and collateral-free loans of up to ₹3 lakh at 5% interest.
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- PMEGP subsidy loan for a new unit, KVIC e-portalPMEGP gives a one-time government subsidy of 15% to 35% of the project cost when a bank funds a new small business.
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- Reading and categorising a bank statement into books and tax headsYour bank statement is the raw record of every rupee.
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- RoDTEP export incentive claim and e-scrip on ICEGATERoDTEP refunds part of the hidden duties and taxes in your exported goods as a percentage of FOB value, paid as an electronic duty credit scrip you can use for customs duty or...
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- Tax audit checkTax audit applies above ₹1 crore business turnover (₹10 crore if cash is within 5%), ₹50 lakh for professionals, and in some presumptive opt-out cases.
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- Unit economics and pricingGross margin, cost to acquire a customer and contribution per order, so pricing and marketing decisions are based on numbers.
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- Upgrade: VCFO GrowthWhen you need a CFO's time, not just a finance team: budgeting, fundraise, board meetings, investor relations and strategy, with a senior CA.
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Questions this department answers most
Free to read. Each answer has four parts: Facts, Provisions and law, Analysis, Conclusion.
- Books a GST registered business must keepYou must keep accounts of what you buy and sell, your stock, ITC taken, and tax payable and paid. These are kept at your principal place of business.
- Defective return because the tax audit report was not filedWhere a tax audit is required, the audit report must be filed on the portal before the return. A return filed without it can be treated as defective. The fix is to get...
- Tax audit and presumptive rules from tax year 2026-27From tax year 2026-27, tax audit is under Sec 63 of the Income-tax Act 2025 (old Sec 44AB) and presumptive income under Sec 58 (old Sec 44AD, 44ADA and 44AE). The audi...
- Business books asked for in scrutinyFor business cases, the officer checks books of account, sales and purchase records, stock and bank reconciliation. Where books are required by law, not keeping them i...