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Everything you need to understand your business paperwork.

Guides, calculators, checklists, law updates and a glossary — 180 free resources for businesses across India, in one place.

Calculators

Work out the numbers

Everyday tax and finance calculators, plus specialist ones for subsidies, loans, notices and filings.

Everyday calculators

Decision calculators

Capital Gains Tax12.5% without indexation or 20% with it?Open calculator →CGTMSE Collateral-free LoanCheck your cover % and AGF costOpen calculator →CMA DataTurnover method vs your operating cycleOpen calculator →FSSAI Food LicenceCalculate your exact cost + tier classificationOpen calculator →GST Advisory and Health CheckHow much GST exposure might you be carrying?Open calculator →GST Audit (GSTR-9, 9C)Check your GST audit obligation + costsOpen calculator →Import Export Code (IEC)Calculate your IEC cost + potential export incentivesOpen calculator →Income Tax Notice ReplyCheck limitation and your response deadlineOpen calculator →Income Tax Return (ITR)Compute both regimes — see your exact savingsOpen calculator →MoFPI Cold Chain SubsidyEstimate your grant, instalments and financingOpen calculator →MSME Udyam RegistrationCalculate your exact cost + preview classificationOpen calculator →Mudra LoanCheck your category and monthly EMIOpen calculator →Payroll ServicesCalculate take-home + compare regimesOpen calculator →PMEGP SubsidyCheck your subsidy tier + full breakdownOpen calculator →Professional Tax RegistrationCalculate PT for your state + salary + genderOpen calculator →Project Report (DPR)Check your year-1 DSCR and likely routeOpen calculator →Shop and Establishment RegistrationCalculate cost + see state-specific rulesOpen calculator →Trademark RegistrationCalculate your exact cost + concession eligibilityOpen calculator →Trademark RenewalCheck your renewal route + total costOpen calculator →

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Guides

Plain-language guides

Understand the ‘why’ before you pay for the ‘how’.

NGOs & trusts · 3 min read12A & 80G Registration Explained for NGOs

12A frees your NGO's income from tax; 80G gives your donors a deduction. Here's the process, documents, validity and the CSR connection.

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GST · 3 min readCommon GST filing mistakes — and how to avoid them

The GST filing mistakes we see most often — from B2B sales reported as B2C to missed reverse charge and late filing — and simple ways to avoid them.

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GST · 3 min readE-invoicing: who needs an IRN and how it works

GST e-invoicing explained: the ₹5 crore threshold, which documents need an IRN, the 30-day reporting rule and what happens without one.

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GST · 3 min readE-way bill basics: when you need one and the mistakes to avoid

E-way bills explained: when they are required, validity, the 180-day document rule, and the common mistakes that lead to detention and penalties.

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GST · 3 min readGST data format for monthly return filing

The columns your sales and purchase data should have for smooth GST filing — invoice-level fields for GSTR-1 and the purchase register for 2B matching.

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GST · 3 min readGST for contractors: advances, retention and GST TDS explained

How GST applies to contractors’ running bills — GST on mobilisation advances, retention money, GST TDS by government clients and claiming credit.

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GST · 3 min readIMS explained: what to do in the Invoice Management System every month

The GST Invoice Management System (IMS) explained: accept, reject or keep pending, what happens if you do nothing, and a monthly routine.

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GST · 3 min readGST late fees and interest: what a delay really costs

GST late fees for GSTR-1 and GSTR-3B, the caps by turnover, interest on late tax, and why the three-year filing limit makes delays riskier.

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GST · 3 min read5 GST mistakes restaurants make every month

The GST mistakes restaurants and cloud kitchens make most often — paying twice on app orders, claiming blocked credit, wrong rates, alcohol and rent.

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GST · 3 min readGST monthly checklist for manufacturers

A month-end GST checklist for manufacturing units: purchases, capital goods, imports, job work, dispatches, e-invoices and e-way bills.

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GST · 3 min readGot a GST notice? What to do in the first 7 days

ASMT-10, DRC-01A, DRC-01 or REG-03? How to read a GST notice, check its validity, reconcile and reply on time — a day-by-day plan.

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GST · 3 min readGST reconciliation checklist for traders

A monthly GST reconciliation checklist for traders and wholesalers — purchases vs GSTR-2B, sales vs e-way bills, discounts, freight and supplier payments.

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GST · 3 min readHow to maintain GST records for a restaurant

What GST records a restaurant or cloud kitchen should keep — daily sales, app statements, purchases, rent — and how long to keep them.

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GST · 3 min readGST registration cancelled? What to do now

What happens when GST registration is cancelled, how to apply for revocation, the time limit, the final return, and when to re-register instead.

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GST · 3 min readGSTR-9 and GSTR-9C for FY 2025-26: checklist before 31 December 2026

Who must file GSTR-9 and GSTR-9C for FY 2025-26, the 31 December 2026 due date, late fees, and a practical reconciliation checklist.

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GST · 3 min readHow GSTR-3B works — and why it is now locked to GSTR-1

GSTR-3B explained: the summary return where GST is paid, due dates, how liability now flows from GSTR-1, ITC from GSTR-2B, and late fees.

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GST · 3 min readHow manufacturers should reconcile ITC every month

A practical monthly ITC reconciliation routine for manufacturers — raw materials, capital goods, imports, job work and the 180-day rule.

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MSME & funding · 3 min readUdyam Registration: 7 MSME Benefits to Claim

It's free from the government, takes a day, and unlocks collateral-free credit, payment protection and tender advantages. Yet most eligible businesses skip it

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Income tax · 3 min readOld vs New Tax Regime: Which Saves More?

The new regime's FY 2025-26 slabs made income up to ₹12 lakh effectively tax-free. But the old regime still wins for some. Here's the honest math.

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MSME & funding · 3 min readPMEGP: subsidy rates, eligibility and how to apply

PMEGP gives 15–35% margin money subsidy on bank loans for new units. Who qualifies, project limits, own contribution, EDP training and the application steps.

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GST · 3 min readPurchase register vs GSTR-2B: a step-by-step reconciliation

How to reconcile your purchase register with GSTR-2B step by step — download, match, classify differences, act in IMS, follow up and claim.

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GST · 3 min readQRMP scheme explained: quarterly returns, monthly tax

The GST QRMP scheme: who can opt in, how quarterly returns and monthly payments work, IFF for B2B buyers, and when it is a good idea.

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MSME & funding · 3 min readSection 43B(h): how MSME suppliers get paid within 45 days

Under Section 43B(h), buyers lose the tax deduction if they pay micro and small suppliers late. Who is covered, the 15/45-day rule, and what suppliers should do.

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Brand & IP · 3 min readTrademark vs Copyright vs Patent

Three different rights protecting three different things. Confuse them and you'll spend money protecting the wrong asset.

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GST · 3 min readWhat is GSTR-1? Due dates, sections and common errors

GSTR-1 explained: what it reports, monthly and quarterly due dates, IFF, the main sections, GSTR-1A and the errors that cost your buyers credit.

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GST · 3 min readWhat is GSTR-2B? How input tax credit reaches you

GSTR-2B explained: the monthly statement of input tax credit, when it is generated, how IMS affects it, and how to use it before filing GSTR-3B.

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GST · 3 min readWhat should a retailer send to the accountant every month for GST?

A practical monthly list for retailers: the sales, purchase, payment and marketplace data your accountant needs to file GST correctly and on time.

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Income tax · 3 min readWhich ITR Form Should You File?

Salary, capital gains, business, presumptive, firm or trust — pick the right form the first time and avoid a defective-return notice.

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GST · 3 min readWhy GST Registration Is Mandatory

When the law forces you to take a GSTIN, what you gain by registering early, and the penalties waiting for those who don't.

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GST · 3 min readWhy is ITC different in GSTR-2B? 8 reasons and the fixes

Eight reasons your input tax credit in GSTR-2B doesn’t match your books — late suppliers, wrong GSTIN, timing, IMS, blocked credits — and how to fix each.

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All guides
Law updates

What changed, and when

Recent changes that affect small businesses — each links to what it means for you.

  1. APR 2026New Income-tax Act in force

    The 1961 Act was replaced from 1 April 2026. TDS returns now use Forms 138, 140 and 144; notices for older years still follow the 1961 Act.

  2. TY 2026-27Share buybacks taxed as capital gains

    From tax year 2026-27, buyback proceeds are taxed as capital gains on the profit, not as dividend on the full amount.

  3. FEB 2026GST Appellate Tribunal hearing appeals

    GSTAT began hearing cases on 16 February 2026. Second appeals are filed online in Form APL-05 within three months.

  4. FEB 2026Startup turnover limit raised to ₹200 crore

    DPIIT raised the turnover limit for startup recognition to ₹200 crore, and ₹300 crore for Deep Tech startups.

  5. SEP 2025GST 2.0 rates

    Main GST rates became 0%, 5%, 18% and 40%; the 12% and 28% slabs were largely removed.

  6. JUL 2025GSTR-3B liability locked

    From the July 2025 tax period, output tax in GSTR-3B comes from GSTR-1 and can’t be edited — errors are fixed in GSTR-1A.

  7. APR 2025CGTMSE cover up to ₹10 crore

    Collateral-free guarantee cover doubled from ₹5 crore to ₹10 crore; women entrepreneurs get 90% cover.

  8. OCT 2024Mudra Tarun Plus up to ₹20 lakh

    A new Tarun Plus category lends up to ₹20 lakh to borrowers who have repaid a Tarun loan.

  9. SEP 2024Shorter reassessment window

    Reassessment notices must come within 3 years 3 months of the assessment year’s end — 5 years 3 months only if escaped income is ₹50 lakh or more.

  10. FY 2024-25One section for GST demands

    From FY 2024-25, GST demand notices fall under Section 74A, with a 42-month window from the annual-return due date.

  11. JUL 2024Capital gains rates changed

    Listed-equity gains: 12.5% long-term above ₹1.25 lakh, 20% short-term. Indexation removed for most assets.

Checklists & templates

Know exactly what to collect

66 free downloads — document checklists for every service, and ready templates.

Board resolution — authorised signatoryTEMPLATE · TXTPartnership authorisation letterTEMPLATE · TXTRent agreement NOC (premises)TEMPLATE · TXT12A and 80G RegistrationCHECKLIST · TXTAccounting and BookkeepingCHECKLIST · TXTAgriculture Infrastructure FundCHECKLIST · TXTAnnual Compliance PackagesCHECKLIST · TXTBank Loan ConsultancyCHECKLIST · TXTBusiness Expansion ConsultancyCHECKLIST · TXTCA CertificatesCHECKLIST · TXTCGTMSE Collateral-free LoanCHECKLIST · TXTCMA DataCHECKLIST · TXTCSR-1 RegistrationCHECKLIST · TXTCapital Gains TaxCHECKLIST · TXTCompany Closure (Strike Off)CHECKLIST · TXTConsortium, JV and AOPCHECKLIST · TXTCopyright RegistrationCHECKLIST · TXTDIN and Director KYCCHECKLIST · TXTDigital Signature (DSC)CHECKLIST · TXTEPF and ESI RegistrationCHECKLIST · TXTFCRA RegistrationCHECKLIST · TXTFCRA ReturnsCHECKLIST · TXTFSSAI Food LicenceCHECKLIST · TXTGST Advisory and Health CheckCHECKLIST · TXTGST Audit (GSTR-9, 9C)CHECKLIST · TXTGST Notice Reply and AppealsCHECKLIST · TXTGST RefundCHECKLIST · TXTGST RegistrationCHECKLIST · TXTGST Return FilingCHECKLIST · TXTGeM Portal RegistrationCHECKLIST · TXTHUF Creation and PANCHECKLIST · TXTISO CertificationCHECKLIST · TXTImport Export Code (IEC)CHECKLIST · TXTIncome Tax Notice ReplyCHECKLIST · TXTIncome Tax Return (ITR)CHECKLIST · TXTIndustrial Incentives (SIIDCUL)CHECKLIST · TXTLLP RegistrationCHECKLIST · TXTLabour RegistrationCHECKLIST · TXTMSME Udyam RegistrationCHECKLIST · TXTMoFPI Cold Chain SubsidyCHECKLIST · TXTMudra LoanCHECKLIST · TXTNGO Darpan RegistrationCHECKLIST · TXTNet Worth CertificateCHECKLIST · TXTNidhi CompanyCHECKLIST · TXTOne Person Company (OPC)CHECKLIST · TXTPAN CardCHECKLIST · TXTPMEGP SubsidyCHECKLIST · TXTPartnership FirmCHECKLIST · TXTPatent FilingCHECKLIST · TXTPayroll ServicesCHECKLIST · TXTPrivate Limited CompanyCHECKLIST · TXTProfessional Tax RegistrationCHECKLIST · TXTProject Report (DPR)CHECKLIST · TXTProprietorshipCHECKLIST · TXTPublic Limited CompanyCHECKLIST · TXTROC Annual FilingCHECKLIST · TXTSection 8 CompanyCHECKLIST · TXTShop and Establishment RegistrationCHECKLIST · TXTSociety and Trust RegistrationCHECKLIST · TXTStartup India DPIIT RecognitionCHECKLIST · TXTTAN RegistrationCHECKLIST · TXTTCS Return FilingCHECKLIST · TXTTDS Return FilingCHECKLIST · TXTTax PlanningCHECKLIST · TXTTrademark RegistrationCHECKLIST · TXTTrademark RenewalCHECKLIST · TXT
Glossary

Terms, in plain words

The words that show up on notices, portals and bank forms.

12A / 80GNGOs & trusts
12A exempts an NGO’s income from tax; 80G lets its donors claim a deduction.
AISIncome tax
Annual Information Statement — the tax department’s record of your income and transactions.
CGTMSEMSME & funding
A credit-guarantee scheme that lets small businesses borrow without collateral.
CMA dataMSME & funding
Financial statements banks use to assess working-capital limits.
DINCompany & compliance
Director identification number, needed to be a company director.
DPRMSME & funding
Detailed project report — the business plan banks use to appraise a loan.
DSCCompany & compliance
Digital signature certificate — used to sign filings online.
DSCRMSME & funding
Debt service coverage ratio — how comfortably earnings cover loan repayments.
E-way billGST
Online document needed to move goods above the set value.
GSTINGST
Your 15-character GST registration number.
GSTR-1GST
The return that reports your sales invoices.
GSTR-3BGST
The summary return where GST is paid each month or quarter.
HSN / SACGST
Codes that classify goods (HSN) and services (SAC) for GST rates.
IECMSME & funding
Import Export Code — needed to import or export goods and services.
IMSGST
Invoice Management System — where you accept or reject supplier invoices before they count as ITC.
ITCGST
Input tax credit — GST paid on purchases that you can set off against GST on sales.
ITRIncome tax
Income tax return — your yearly declaration of income and tax.
PMEGPMSME & funding
A government scheme that gives a subsidy on bank loans for new small units.
RCMGST
Reverse charge — the buyer, not the seller, pays GST on certain purchases.
ROCCompany & compliance
Registrar of Companies — where companies and LLPs file annual returns.
Tax yearIncome tax
Under the Income-tax Act, 2025, the year in which income is earned (replacing “previous year” and “assessment year”).
TDSIncome tax
Tax deducted at source — tax cut from a payment and deposited with the government.
TrademarkBrand & IP
Legal protection for a brand name, logo or slogan.
UdyamMSME & funding
The free government registration that identifies a business as an MSME.

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