Startup finance stack setup: The Indian founder cheat sheet

Key takeaways

• Your startup finance stack India is an evolving ecosystem, it must handle GST, TDS, payroll, collections, investor reporting, and scale without constant rebuilds.
• Choose accounting tools your CA supports, TallyPrime or Zoho Books work well, ensure GST and TDS precision from day one.
• Keep payment infrastructure simple early, add automation and reconciliation rigor as you grow, UPI AutoPay and dunning improve collections.
• Payroll and reimbursements demand strict compliance, PF, ESI, Professional Tax, and salary TDS need disciplined monthly execution.
• Operational dashboards for cash runway, AR and AP aging, burn and unit economics, drive weekly and monthly decisions.
• Data room discipline, complete filings, clean reconciliations, and documented policies, accelerate diligence and fundraising.
• Automation through tools like AI Accountant, reduces manual work, improves accuracy, and strengthens audit trails.
• Build a quarterly roadmap, standardize chart of accounts, automate recurring workflows, integrate systems, and implement approvals with audit-ready controls.

Table of contents

What Your Startup Finance Stack India Really Means

Setting up finance in India can feel complex, yet your stack is simply the collection of systems and processes that move money in, track money out, and keep you compliant. It includes customer invoicing, GST returns, TDS deductions, payroll, payment reconciliation, investor reporting, and CA collaboration.

Unlike global playbooks, Indian startups must handle GSTR-1, GSTR-3B, and GSTR-2B filings, manage TDS across vendors and salaries, reconcile UPI, NEFT, and gateway settlements, and often align with a CA preference for TallyPrime.

Your stack should grow with the company, it should never force a complete overhaul each time you raise, or add complexity.

Building Your Finance Stack, A Stage-by-Stage Blueprint

Pre-Seed and Early Stage, 0-10 People, Under ₹1 Crore ARR

Stay lean, stay clean. Operate a single primary bank account, push all transactions through it, avoid cash dealings. Pick accounting and billing tools that your CA supports, TallyPrime or Zoho Books, add subscription billing like Chargebee only when truly needed.

Payment gateways can be simple, Razorpay, Cashfree, or PayU, with UPI QR codes and payment links. Reconcile weekly, catch issues early. For payroll, use AI Accountant, Keka, greytHR, Zoho Payroll, or even Excel with CA oversight, and maintain registers, TDS calculations, and PF or ESI compliance.

• Dashboards in Google Sheets, cash position, runway, revenue versus expenses, AR aging, update weekly.
• Data room folders in Google Drive or Dropbox, monthly P&L, bank statements, GST returns, incorporation docs.
• Non-negotiables, standardized chart of accounts with your CA, proper GST registration with locked invoice series, payments only through banking channels.

Seed Stage and Product-Market Fit, 10-40 People, ₹1-10 Crore ARR

Move from Excel plus CA to disciplined operations. Focus on collections automation, expense controls, and a monthly close cycle within 10 to 15 days after month end. Upgrade accounting for volume and multi-user access, SaaS companies implement subscription billing through Chargebee or Zoho Subscriptions, service companies automate invoicing via Zoho Invoice or Razorpay Invoices.

Collections become critical, add payment links on invoices, configure UPI AutoPay or NACH, set email and WhatsApp reminders with dunning. Implement HRMS and payroll, AI Accountant, Zoho Payroll, RazorpayX Payroll, or Keka, add expense management like Fyle or Happay, consider corporate cards with controls.

• Evolve dashboards, Looker Studio, Power BI, or Zoho Analytics, track runway, burn, AR or AP aging.
• Formalize the data room, version control, organized folders for TBs, GST, TDS, cap table, ESOP docs.

Series A/B and Beyond, 40-200+ People, ₹10+ Crore ARR

Welcome to investor-grade operations, handle multi-entity and complex billing, provide real-time insights. Configure TallyPrime or Zoho Books for multi-GSTIN, multi-currency, audit trails, proper SaaS revenue recognition for upgrades, downgrades, and refunds.

Use multiple gateways for redundancy, automate reconciliation to match settlements with invoices daily, track MDR, GST on fees, and chargebacks. Implement enterprise HRMS, budgets, approvals, audit trails, corporate card limits and restrictions. Build a BI layer for unit economics, cohort analytics, and board-ready metrics.

As sophistication grows, controls must strengthen, audit evidence must be systematic, and access to the data room must be managed.

Deep Dive, Accounting and Billing Tools

Understanding Your Options

TallyPrime remains a CA favorite across India, it feels old to some, yet delivers strong GST features. Zoho Books is cloud-native with GST support, APIs, and collaboration that distributed teams value. Chargebee leads subscription billing with proration, usage pricing, and dunning, automating revenue recognition. Zoho Invoice and Razorpay Invoices suit services and D2C, offering GST-compliant e-invoicing with integrated collections.

Selection Criteria That Matter

• GST compliance, multiple GSTINs, e-invoicing, correct HSN or SAC codes, accurate GSTR reports.
• TDS accuracy on vendors, contractors, salaries, certificates and returns must be supported.
• CA familiarity over features, align tool choice with your CA’s comfort.
• Integration readiness, APIs to gateway, banks, payroll, and reporting, avoid manual entry.

Implementation Best Practices

• Standardize chart of accounts with your CA, split revenue streams, separate COGS and opex, detailed marketing channels.
• Configure GST meticulously, tax codes, HSN or SAC, place of supply rules.
• Clean masters, vendors with PAN, GSTIN, bank details, customers with addresses, payment terms, credit limits.
• Standardize invoice templates, locked series, mandatory GST fields, payment instructions with UPI and bank details, clear terms.

Common Implementation Pitfalls

• GST mismatches, wrong tax codes create GSTR-1, GSTR-3B, and GSTR-2B issues.
• Multi-GSTIN chaos, branch accounting and place of supply rules are often misconfigured.
• Forex invoicing errors in SaaS, conversion dates, exchange differences, LUT filings get missed.
• Revenue recognition errors, cash receipt booked as revenue, distorting SaaS metrics.

Payment Gateway and Collections Excellence

Choosing Your Payment Infrastructure

Razorpay offers comprehensive modes with good subscriptions and reports, Cashfree excels at payouts and UPI AutoPay, PayU brings strong fraud prevention and high value handling, Stripe India suits global SaaS with unified infra. UPI links and QR codes make collections instant, mandates reduce failures.

Building Your Collections Playbook

• Embed payment links on every invoice, reduce friction immediately.
• For subscriptions, implement UPI AutoPay or NACH at onboarding, improve predictability.
• Automate reminders, friendly on due date, escalate after three and seven days, dunning for subscriptions.
• Offer limited payment modes for easier reconciliation, three or four options are enough.

Mastering Payment Reconciliation

Weekly reconciliation prevents month-end surprises. Download settlement reports, match bank credits with timing, T plus one and T plus two settlements need attention even when instant modes post quickly. Track MDR fees and GST on fees separately, handle refunds and chargebacks with period accuracy, and keep a standard template, opening unsettled balance, gross collections, refunds, fees and GST, expected settlement, match to bank credits precisely.

Compliance and Security Considerations

• PCI scope stays light if card data is never stored, rely on gateway tokenization.
• Maintain dispute documentation, transaction logs, customer communications, delivery or usage proof.
• Archive gateway invoices and reports, link settlement reports to accounting entries, preserve fee invoices for GST claims.

Payroll and Reimbursements, Getting It Right

Tool Selection for Indian Requirements

AI Accountant automates bank statement processing and intelligent categorization, reducing reconciliation time. Keka gives comprehensive HRMS with payroll, greytHR delivers statutory compliance automation, Zoho Payroll integrates neatly with Zoho, RazorpayX Payroll combines payroll with business banking. For expenses, Fyle enforces policy with receipts, Happay and Zaggle pair cards with controls, many HRMS suites include basic expense modules for small teams.

Navigating Compliance Requirements

• PF deposits by the 15th, ESI per thresholds and state rules, Professional Tax varies by state.
• Salary TDS monthly, quarterly returns, Form 16 annually, contractor TDS under Sections 194J, 194C, 194H.
• State registration, gratuity tenure rules, statutory bonus, labor law variations across locations.

Policy Documentation and Enforcement

• Travel policies, per-diem by city, hotel category by designation, booking timelines, class restrictions, local conveyance rules.
• Approval hierarchies, below ₹5,000 manager approval, above ₹5,000 finance review, beyond ₹25,000 founder sign-off, tune thresholds by scale.
• Documentation standards, GST invoices with company name and GSTIN, define ITC eligible expenses, boarding passes for travel claims.

Monthly Closing Process

• Run payroll between the 25th and 30th, post salary journals, book employer PF or ESI or benefits, record salary TDS.
• Accrue variable pay, bonus, leave encashment, gratuity via actuarial methods for larger teams.
• Close reimbursements before month end, validate documents, categorize claims, enforce policy, reimburse promptly.
• Capture contractor payments, obtain PAN invoices, deduct TDS accurately, issue certificates on schedule.

Dashboards and KPIs That Drive Decisions

Core Metrics Every Indian Startup Needs

Cash runway tells you how long you can survive. Compute months by dividing cash by average monthly burn, track weekly. Measure revenue versus expenses with gross margin and opex categories, calculate EBITDA and cash burn. Monitor AR aging buckets, compute DRO, track AP aging and DPO, and measure the cash conversion cycle for overall working capital.

SaaS-Specific Metrics

• MRR and ARR are north star metrics, split new, expansion, contraction, and churned MRR.
• Churn, logo and revenue churn, gross churn, net revenue retention, cohort retention curves reveal fit.
• Unit economics, CAC by channel, LTV using churn, payback period drives cash planning.

Implementation Approach

Start with Google Sheets, automate exports, build formulas, share view-only. As you scale, adopt Looker Studio, Power BI, or Zoho Analytics, and let AI Accountant auto-generate dashboards from accounting data. Design data architecture, map sources, set refresh cadence, add quality checks.

Operational Rhythm

• Weekly reviews, cash position and runway every Monday, collections and obligations, rapid escalations.
• Monthly reviews, unit economics and budget variance, AR or AP deep dives, rolling forecasts.
• Quarterly boards, full P&L, cash flow and runway, KPI trends, forward-looking commentary.

Building Your Data Room Foundation

Essential Documentation Structure

• Corporate, incorporation, MoA and AoA, share certificates, cap table, resolutions, ESOP plan and grants.
• Finance, audited statements, monthly management accounts with TBs, GL extracts, AR or AP aging.
• Banks, statements for all accounts, term deposits, gateway settlements.
• Tax, GST returns GSTR-1, 3B, 2B, TDS returns and certificates, income tax filings and assessments, advance tax.
• Revenue, customer contracts and MSAs, pricing agreements, revenue recognition policies and calculations.

Organization Best Practices

• Logical folder hierarchies, forced ordering like 01_Corporate, 02_Finance, 03_Tax_Compliance.
• Version control, dates as YYYY-MM-DD, versions as v1, v2, FINAL, archive superseded docs.
• Access control, founders or CFO full access, CA or legal scoped access, investors read-only during diligence, log access.

Common Investor Requests

• SaaS revenue recognition, annual and multi-year billing, upgrades or downgrades, refunds or credits, clear policies.
• AR analysis beyond aging, customer concentration, bad debt history, collection procedures and outcomes.
• Related party transactions, documentation, board approvals, arm’s length pricing.
• Compliance certificates, GST and TDS registrations, ISO 27001 or SOC2 from you or vendors like AI Accountant.

Your Monthly Close Checklist

A disciplined monthly close prevents year-end surprises. Start with bank reconciliation, match books to statements, investigate unreconciled items, account for outstanding checks and deposits in transit. Reconcile payment gateways, match settlements to bank credits, book fees and GST, process refunds and chargebacks, verify UPI and other modes.

• AR or AP review, follow up beyond 60 days, match vendor invoices to POs, provision doubtful debts, plan payment runs.
• Payroll compliance, post salary journals, deposit PF, ESI, Professional Tax, calculate and deposit TDS, generate payslips.
• Expense reimbursements, verify documents, categorize correctly, check policy compliance, reimburse promptly.
• GST checks, GSTR-1 aligns to sales, GSTR-3B reflects liability, ITC reconciles with GSTR-2B, plan tax payments.
• Accruals, SaaS subscriptions, utilities, audit or professional fees, bonus and variable pay.
• Management pack, P&L with budget variance, cash flow and runway, refreshed KPIs, executive summary.

Sector-Specific Considerations

SaaS Business Requirements

• Subscription billing, trials, proration, plan changes, usage billing, accurate revenue recognition over service periods.
• Forex management, RazorpayX or Stripe for collections, FIRC or FIRA for inward remittances, LUT for zero-rated GST, book gains or losses properly.
• International compliance, permanent establishment risks, transfer pricing, withholding tax, FEMA for foreign investments.

D2C and eCommerce Operations

• Marketplace reconciliation, daily matching of settlements, fees and GST on commission, returns and replacements.
• Inventory accounting, location tracking, damaged or expired goods, stock transfers, appropriate valuation methods.
• Returns, credit notes, inventory updates, return shipping costs, reason tracking for analysis.
• COD workflows, reconcile partner reports daily, collection charges, fake orders and returns, match collections to deposits.

Service Business Nuances

• Project accounting, milestone tracking, WIP management, revenue recognition as deliverables complete, change requests.
• Contractor management, PAN and GST, agreements, correct TDS rates, timely certificates.
• Time and materials, accurate hours, clear rate cards, differential rates by resource, prompt detailed invoicing.

The Architecture That Scales

Design data flows from source to insight, payments move from billing to gateway to bank to accounting, expenses move from employee to approvals to accounting to reimbursement, payroll syncs to books, and everything feeds dashboards.

Integrate thoughtfully, link billing to gateways for payment status, connect gateways to accounting for settlement posting, sync payroll journals, push to dashboards for real-time visibility. Tools like AI Accountant automate bank processing, predict ledger classifications, sync with Tally or Zoho Books, and generate dashboards, with ISO 27001 and SOC2 Type 2 certifications for assurance.

Focus manual effort on exceptions, review automated classifications, investigate mismatches, approve high value items, analyze anomalies.

Implementation Roadmap by Quarter

Quarter 1, Foundation Setting

• Standardize chart of accounts with your CA, clean historic data, fix invoice templates and numbering, complete GST configuration.
• Set gateway relationships, configure payment modes and settlements, establish reconciliation templates, document fee structures and tax treatment.
• Structure your data room, organize history, set naming conventions and version control, secure access with permissions.

Quarter 2, Process Automation

• Automate recurring transactions, recurring invoices for subscriptions, automated reminders, payroll automation with compliance.
• Build dashboards, cash and runway first, revenue and expenses next, AR or AP aging views.
• Strengthen compliance, automate GST prep, streamline TDS calculation and payment, set calendars with reminders.

Quarter 3, Integration and Optimization

• Integrate billing with gateways, connect gateways with accounting, link payroll to accounting.
• Automate dashboard refreshes, add unit economics and cohorts, build investor-ready packs.
• Optimize collections, dunning for overdue, UPI AutoPay mandates, track and improve collection metrics.

Quarter 4, Scale and Sophistication

• Document processes, train teams, add redundancy for critical operations.
• Implement approvals and controls, strengthen audit trails, prepare for statutory audits.
• Ready the data room for fundraising, update documents, ensure completeness, practice rapid access provisioning.

Common Pitfalls and Solutions

The GST Reconciliation Nightmare

Mismatches across GSTR-1, GSTR-3B, and GSTR-2B are common. Solve with monthly reconciliations, consistent tax codes, correct place of supply, and systematic e-way bill matching.

The Multi-Entity Maze

Cross-state operations need separate books per GSTIN, proper interstate transfer documentation, place of supply rules configured, and ITC tracked by location.

The Foreign Currency Confusion

Define forex conversion policies, track FIRC per remittance, file LUT before export invoicing, book unrealized gains or losses monthly.

The Revenue Recognition Trap

Defer subscription revenue over service periods, process refunds as revenue reversals, maintain deferred revenue liability, adjust for plan changes proportionally.

Technology and Automation Opportunities

Automate bank statement processing, AI Accountant extracts transactions from PDFs and images. QuickBooks and Xero bank feeds import directly, FreshBooks scans receipts, Wave offers free basic automation. Intelligent categorization predicts ledgers and GST codes, automated reconciliation matches invoices to settlements, dashboards refresh on schedule with threshold alerts.

Building Your Finance Team

Early Stage Structure

• Strong CA relationship for compliance and monthly review, system guidance, and audit preparation.
• Add a finance associate by Series A, run bookkeeping, vendor and customer queries, compliance coordination, and data room hygiene.
• Fractional CFO for process design, board reporting, fundraising readiness, team mentorship.

Growth Stage Evolution

• Hire a finance manager or controller, own monthly close, manage CA and auditors, drive improvements, build FP&A models.
• Add specialists, AR or AP, payroll for 50+ employees, FP&A for analysis, compliance for regulated sectors.
• Build redundancy, document, cross-train, maintain current process manuals.

Outsourcing Decisions

• Keep strategy and analysis internal, outsource routine bookkeeping when feasible, use tax specialists, lean on tools for automation.

Quarterly Review Framework

Financial Performance Review

• P&L against budget and forecast, revenue variances by product or customer, expense overruns by category, profitability metrics, corrective plans.
• Balance sheet health, working capital trends, debt and equity positions, asset utilization, covenant compliance.
• Cash flow, operating generation, investment in growth, financing activities, future cash projection.

Operational Metrics Analysis

• Business KPIs, acquisition metrics, retention and churn, unit economics, industry benchmarks.
• Process efficiency, monthly close cycle time, invoice to collection duration, expense processing time, automation opportunities.

Compliance and Risk Assessment

• Confirm GST and TDS filings, statutory payments current, address notices or queries.
• Risk monitoring, customer concentration, vendor dependency, forex exposure, mitigation plans.

Preparing for Due Diligence

Six Months Before Fundraising

• Reconcile history, document accounting policies, write SOPs, track comprehensive metrics.
• Organize the data room, structure folders, update monthly, enforce version control, test access flows.

Three Months Before Fundraising

• Make books audit-ready, clear reconciliations, document material transactions, prepare management notes, fix compliance gaps.
• Build the financial story, cohort unit economics, revenue bridges, clear growth drivers, thoughtful projections.

During Due Diligence

• Respond fast and complete, grant data room access, answer within 24 hours, schedule expert sessions, maintain query logs.
• Keep operations steady, do not disrupt close cycles, maintain reporting cadence, inform the team as needed.

Future-Proofing Your Stack

Emerging Technologies

Account aggregators for automated bank feeds, GSTN APIs for direct filing, AI anomaly detection, and blockchain audit trails. Tools like AI Accountant already leverage AI for transaction processing and categorization, with ISO 27001 and SOC2 Type 2 certifications.

Regulatory Changes

E-invoicing expansion, evolving e-commerce TDS, digital lending rules, cross-border payments, build flexibility with regularly updated systems, keep expert relationships, join industry associations, and budget for compliance changes.

Scale Considerations

Design for 10x growth, choose API-driven systems, ensure volume capacity, build efficient processes, train for scale, refactor regularly, upgrade before breaking, keep data clean, and document everything.

Conclusion, Your Action Plan

Build progressively, not perfectly. Start with GST registration, a CA-supported accounting tool, a single clean bank account, and monthly discipline. Focus on the priorities for your stage, pre-seed needs clean books and compliance, seed needs collections and expense control, Series A needs investor-grade operations and analytics.

Leverage automation intelligently, gateway APIs for reconciliation, tools like AI Accountant for transaction processing, dashboards that auto-update, free the team from manual data entry. Document processes, train continuously, maintain compliance rigor, prepare for diligence before you need it.

The best time to build was at inception, the second best time is now, pick one improvement this week, build momentum, and compound gains.

Take action today, review your setup against this guide, identify your three biggest gaps, set a quarterly roadmap, begin implementation immediately.

FAQ

How should a CA structure the chart of accounts for an Indian SaaS startup to simplify GST and revenue recognition?

Begin with revenue segmented by product or plan, separate domestic and export revenue, maintain distinct COGS for hosting, support, and implementation, and split operating expenses by department for clarity. Map GST tax codes to revenue and purchase accounts, configure deferred revenue for annual or multi-month subscriptions, and create specific ledgers for gateway fees, GST on fees, and forex gains or losses. Tools like AI Accountant can help auto-classify transactions into the right ledgers, reducing manual effort.

What monthly close controls do CAs recommend for startups using multiple payment gateways and UPI?

Implement a weekly reconciliation routine, settlement report to bank credit matching, fee and GST booking, and refund or chargeback tracking. Maintain a standardized reconciliation template, opening unsettled balance, gross collections, refunds, fees and GST, expected settlement, and bank match. Lock the monthly close with documented checklists and evidence, and use AI Accountant to automate bank statement ingestion, exception flagging, and audit trail generation.

How can a CA ensure GSTR-1 and GSTR-3B accuracy when the client operates with multiple GSTINs across states?

Adopt branch accounting per GSTIN, enforce place of supply rules within the accounting system, and reconcile monthly, not quarterly. Validate HSN or SAC consistency, e-invoice IRN mapping, and credit notes linkage. Generate state-wise sales registers, match GSTR-1 to books, compute GSTR-3B liabilities carefully, and reconcile ITC with GSTR-2B at the GSTIN level. Automation via AI Accountant reduces manual errors by keeping state-level ledgers and reconciliation evidence.

What payroll compliance calendar should a CA set for a 25-employee startup to avoid penalties?

Create a recurring calendar, payroll run by the 25th to 30th, PF and ESI deposits by the 15th, Professional Tax as per state schedule, salary TDS deposit by the 7th, and quarterly TDS returns. Include Form 16 preparation timelines and contractor TDS certificates. Use HRMS and an automation layer like AI Accountant to post payroll journals, validate statutory amounts, and maintain proof of payment and filing.

How should a CA configure revenue recognition for annual SaaS subscriptions invoiced upfront?

Set up deferred revenue liability, recognize monthly over the service period, treat refunds as revenue reversals, and adjust for upgrades or downgrades proportionally. Keep separate ledgers for setup fees if non-refundable, and ensure dunning or proration entries flow correctly. Where available, integrate subscription billing systems with accounting, then let AI Accountant reconcile bank collections against invoices and deferred schedules.

What is the recommended collections strategy for service startups with 60-day payment terms?

Embed payment links on invoices, send friendly reminders on due date, escalate at three days and seven days, and maintain weekly AR follow-ups for 30 to 60 day buckets. Offer UPI, NEFT, and card options while limiting modes to simplify reconciliation. Track DRO and assign owner-level accountability per customer. Use gateway and accounting integrations with AI Accountant to automate reminders and payment matching.

How can CAs design a data room that passes investor diligence quickly for Series A?

Structure folders with forced ordering, 01_Corporate, 02_Finance, 03_Tax_Compliance, include monthly TBs, GL extracts, AR or AP aging, audited statements, GST and TDS filings, bank statements, and customer contracts. Maintain version control and access logs, provide read-only investor access. Keep revenue recognition policies and unit economics ready. Automate document capture and ledger exports with AI Accountant to ensure consistency and speed.

Which metrics should a CA prioritize for the founder’s weekly finance review?

Cash balance and runway, collections due this week, major payment obligations, burn rate and budget variance highlights, and exceptions from reconciliation. For SaaS, include MRR movement, churn, and expansion. Maintain a one-page view sourced from accounting and gateways, and refresh via BI or AI Accountant dashboards, ensuring accuracy and timeliness.

How should a CA manage forex compliance for export SaaS invoices to avoid GST errors?

Issue export invoices under LUT, collect FIRC or FIRA for each inward remittance, book revenue at appropriate conversion dates, and record realized and unrealized forex differences monthly. Keep documentation for FEMA, transfer pricing if applicable, and withholding tax considerations. Integrate collections through Stripe or RazorpayX, and let AI Accountant map remittances to invoices with audit-ready evidence.

What is the best way for a CA to handle marketplace reconciliation for a D2C client?

Perform daily matching of order reports to settlement statements, account for platform commissions, GST on fees, returns and replacements, and cancellations. Reconcile COD partners separately, track collection charges, and validate deposits to bank. Build itemized reconciliation templates per marketplace and automate ingestion with AI Accountant, reducing errors and close times.

How can a CA reduce manual bank statement entry and improve classification accuracy?

Adopt automated bank feeds where available, or use document processing tools. AI Accountant extracts transactions from PDFs and images, applies machine learning to predict ledger accounts and GST codes, and learns from historical patterns. This reduces human error, speeds monthly close, and provides strong audit trails with source documents attached.

What approval hierarchy should a CA recommend for expense control without slowing operations?

Set thresholds, below ₹5,000 manager-only approval, ₹5,001 to ₹25,000 finance review, above ₹25,000 founder or CFO sign-off, with policy exceptions documented. Enforce GST invoice requirements for ITC eligibility and block unapproved vendors. Pair HRMS or expense tools with AI Accountant to validate claims and post to accounting accurately.

How do CAs prevent GST mismatches caused by incorrect HSN or SAC codes across systems?

Centralize HSN or SAC master data, lock codes in billing and accounting, validate before invoice posting, and run monthly GST reconciliation with variance reports. Train operations on place of supply and rate application. Use automated checks via AI Accountant to flag anomalies before filings.