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.
Free interactive tools
Quick checks built for business owners — no sign-up, nothing stored.
Answer a few questions and get a score and a to-do list for GST, registrations, returns and notices.
Open the tool →Your compliance calendarSee only the due dates that apply to your business, and add them to your phone’s calendar.
Open the tool →Subsidy and loan estimatorMove a slider to see what PMEGP, Mudra and CGTMSE could mean for your project.
Open the tool →Partner earnings calculatorFor collection-centre partners: see how commission can build up over twelve months.
Open the tool →Work out the numbers
Everyday tax and finance calculators, plus specialist ones for subsidies, loans, notices and filings.
Everyday calculators
Add GST to a price, or take it out of an inclusive price.
Calculate →Income taxIncome tax: old vs new regimeBoth regimes side by side, with the winner.
Calculate →MSME & fundingEMI calculatorMonthly EMI and total interest for any loan.
Calculate →Income taxHRA exemption calculatorHow much of your house rent allowance is tax-free.
Calculate →Payroll & labourGratuity calculatorGratuity due on leaving, from salary and years of service.
Calculate →Personal financeSIP calculatorWhat a monthly investment could grow to.
Calculate →Personal financeFD calculatorMaturity value of a fixed deposit.
Calculate →Personal financePPF calculatorYour PPF balance over its 15-year term.
Calculate →Decision calculators
What will it cost?
Plain-language guides
Understand the ‘why’ before you pay for the ‘how’.
12A frees your NGO's income from tax; 80G gives your donors a deduction. Here's the process, documents, validity and the CSR connection.
Read the guide →GST · 3 min readCommon GST filing mistakes — and how to avoid themThe 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.
Read the guide →GST · 3 min readE-invoicing: who needs an IRN and how it worksGST e-invoicing explained: the ₹5 crore threshold, which documents need an IRN, the 30-day reporting rule and what happens without one.
Read the guide →GST · 3 min readE-way bill basics: when you need one and the mistakes to avoidE-way bills explained: when they are required, validity, the 180-day document rule, and the common mistakes that lead to detention and penalties.
Read the guide →GST · 3 min readGST data format for monthly return filingThe 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.
Read the guide →GST · 3 min readGST for contractors: advances, retention and GST TDS explainedHow GST applies to contractors’ running bills — GST on mobilisation advances, retention money, GST TDS by government clients and claiming credit.
Read the guide →GST · 3 min readIMS explained: what to do in the Invoice Management System every monthThe GST Invoice Management System (IMS) explained: accept, reject or keep pending, what happens if you do nothing, and a monthly routine.
Read the guide →GST · 3 min readGST late fees and interest: what a delay really costsGST 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.
Read the guide →GST · 3 min read5 GST mistakes restaurants make every monthThe GST mistakes restaurants and cloud kitchens make most often — paying twice on app orders, claiming blocked credit, wrong rates, alcohol and rent.
Read the guide →GST · 3 min readGST monthly checklist for manufacturersA month-end GST checklist for manufacturing units: purchases, capital goods, imports, job work, dispatches, e-invoices and e-way bills.
Read the guide →GST · 3 min readGot a GST notice? What to do in the first 7 daysASMT-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.
Read the guide →GST · 3 min readGST reconciliation checklist for tradersA monthly GST reconciliation checklist for traders and wholesalers — purchases vs GSTR-2B, sales vs e-way bills, discounts, freight and supplier payments.
Read the guide →GST · 3 min readHow to maintain GST records for a restaurantWhat GST records a restaurant or cloud kitchen should keep — daily sales, app statements, purchases, rent — and how long to keep them.
Read the guide →GST · 3 min readGST registration cancelled? What to do nowWhat happens when GST registration is cancelled, how to apply for revocation, the time limit, the final return, and when to re-register instead.
Read the guide →GST · 3 min readGSTR-9 and GSTR-9C for FY 2025-26: checklist before 31 December 2026Who must file GSTR-9 and GSTR-9C for FY 2025-26, the 31 December 2026 due date, late fees, and a practical reconciliation checklist.
Read the guide →GST · 3 min readHow GSTR-3B works — and why it is now locked to GSTR-1GSTR-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.
Read the guide →GST · 3 min readHow manufacturers should reconcile ITC every monthA practical monthly ITC reconciliation routine for manufacturers — raw materials, capital goods, imports, job work and the 180-day rule.
Read the guide →MSME & funding · 3 min readUdyam Registration: 7 MSME Benefits to ClaimIt's free from the government, takes a day, and unlocks collateral-free credit, payment protection and tender advantages. Yet most eligible businesses skip it
Read the guide →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.
Read the guide →MSME & funding · 3 min readPMEGP: subsidy rates, eligibility and how to applyPMEGP gives 15–35% margin money subsidy on bank loans for new units. Who qualifies, project limits, own contribution, EDP training and the application steps.
Read the guide →GST · 3 min readPurchase register vs GSTR-2B: a step-by-step reconciliationHow to reconcile your purchase register with GSTR-2B step by step — download, match, classify differences, act in IMS, follow up and claim.
Read the guide →GST · 3 min readQRMP scheme explained: quarterly returns, monthly taxThe 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.
Read the guide →MSME & funding · 3 min readSection 43B(h): how MSME suppliers get paid within 45 daysUnder 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.
Read the guide →Brand & IP · 3 min readTrademark vs Copyright vs PatentThree different rights protecting three different things. Confuse them and you'll spend money protecting the wrong asset.
Read the guide →GST · 3 min readWhat is GSTR-1? Due dates, sections and common errorsGSTR-1 explained: what it reports, monthly and quarterly due dates, IFF, the main sections, GSTR-1A and the errors that cost your buyers credit.
Read the guide →GST · 3 min readWhat is GSTR-2B? How input tax credit reaches youGSTR-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.
Read the guide →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.
Read the guide →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.
Read the guide →GST · 3 min readWhy GST Registration Is MandatoryWhen the law forces you to take a GSTIN, what you gain by registering early, and the penalties waiting for those who don't.
Read the guide →GST · 3 min readWhy is ITC different in GSTR-2B? 8 reasons and the fixesEight 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.
Read the guide →What changed, and when
Recent changes that affect small businesses — each links to what it means for you.
- 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.
- 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.
- 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.
- 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.
- SEP 2025GST 2.0 rates
Main GST rates became 0%, 5%, 18% and 40%; the 12% and 28% slabs were largely removed.
- 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.
- APR 2025CGTMSE cover up to ₹10 crore
Collateral-free guarantee cover doubled from ₹5 crore to ₹10 crore; women entrepreneurs get 90% cover.
- 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.
- 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.
- 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.
- JUL 2024Capital gains rates changed
Listed-equity gains: 12.5% long-term above ₹1.25 lakh, 20% short-term. Indexation removed for most assets.
Know exactly what to collect
66 free downloads — document checklists for every service, and ready templates.
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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