Online Bookkeeping & Accounting Services
Priced by bank entries a month, from Rs 999 for up to 20 bank entries to Rs 2,499 for 150, in Tally, Zoho, Busy or Books. You get a P&L and balance sheet every month, not once a year.
What's included
- ✅ All purchase, sales, expense and bank entries within your tier
- ✅ Bank reconciliation
- ✅ Monthly P&L and balance sheet
- ✅ GST-ready data for return filing
- ✅ Year-end books ready for ITR & ROC
| Bank entries a month | Fee a month |
|---|---|
| Up to 20 | Rs 999 |
| 21–50 | Rs 1,499 |
| 51–150 | Rs 2,499 |
| Above 150 | Ask for a quote → |
1 bank entry = one transaction (a credit or debit) in your bank or card account — not your invoices or bills, those are just the backup. Cash counts only if you want it booked. Your tier is set from your first month's statements and reviewed each quarter; heavy B2B billing (far more invoices than bank entries) is quoted separately.
Documents you provide
- Bank statements
- Sales & purchase invoices
- Expense bills
Turnaround: Monthly, closed by the 10th
Get started on WhatsApp →Statutory basis: Sec. 128, Companies Act, 2013; Sec. 44AA, Income-tax Act, 1961; Sec. 35 & 36, CGST Act, 2017
What is bookkeeping and accounting?
Bookkeeping is recording every business transaction — sales, purchases, expenses, bank and cash — in the right ledger as it happens. Accounting turns those records into a profit and loss account and a balance sheet. Done every month, it gives you GST-ready data, figures for bank loans, and books ready for your ITR and any audit.
Left to the end of the year, twelve months of bank lines have to be traced back to bills in a hurry, just before the ITR or the audit. That is when entries are missed and input tax credit is lost.
How much does online bookkeeping cost?
Online bookkeeping is priced by bank entries a month: Rs 999 for up to 20, Rs 1,499 for 21–50 and Rs 2,499 for 51–150, with a quote above 150. The Growth plan combines bookkeeping with monthly GST returns, GSTR-2B reconciliation and TDS support for Rs 1,999 a month, covering up to 50 bank entries.
| Bank entries a month | Fee a month | About how many a working day |
|---|---|---|
| Up to 20 | Rs 999 | Fewer than 1 |
| 21–50 | Rs 1,499 | 1 to 2 |
| 51–150 | Rs 2,499 | 2 to 6 |
| Above 150 | Ask for a quote → | More than 6 |
One bank entry is one credit or debit in your bank or card account; invoices and bills are its backup and are not counted. The last column assumes about 25 working days a month. The government fee is nil.
Growth plan — Rs 1,999 a month: GSTR-1 and GSTR-3B every month, the GSTR-2B reconciliation, bookkeeping and TDS payment support, for up to 50 bank entries. Above that, bookkeeping moves to the next tier on this page.
What do you get every month?
Every month we book all purchase, sales, expense and bank entries within your tier, reconcile the bank, keep GST and TDS ledgers ready for your returns, and send you the profit and loss account and balance sheet. Books are closed by the 10th of the next month, and year-end books are ready for ITR and ROC.
| Every month | What you get |
|---|---|
| Bank and card entries | Every credit and debit within your tier booked to the right ledger |
| Sales and purchases | Invoices booked party by party, with GSTIN and the CGST, SGST or IGST split |
| Expenses and TDS | Bills booked to the right head, with TDS deducted booked to TDS ledgers |
| Cash | Booked only if you want it, from a simple list of cash receipts and payments |
| Bank reconciliation | Book balance matched with the bank statement, differences listed |
| GST-ready ledgers | Output tax and input tax credit ledgers that tie to GSTR-1 and GSTR-2B |
| Debtors and creditors | Who owes you, whom you owe, and for how long (ageing) |
| P&L and balance sheet | For the month, not once a year |
| Year-end | Books ready for ITR and ROC filings |
Who must keep books of account in India?
Every company must keep books (Section 128, Companies Act). Under Section 44AA of the Income-tax Act, specified professionals must, and so must an individual or HUF in business whose income exceeded Rs 2.5 lakh or turnover Rs 25 lakh in any of the last three years. Every GST-registered person must keep accounts (Section 35, CGST Act).
| Law | Who it applies to | What it requires | How long to keep |
|---|---|---|---|
| Income-tax Act, 1961 — Sec. 44AA(1), Rule 6F | Legal, medical, engineering, architecture, accountancy, technical consultancy, interior decoration, and notified professions such as company secretary, film artist and IT | Books to compute income; the Rule 6F books (cash book, ledger, journal if on accrual, bill copies) once gross receipts exceed Rs 1.5 lakh in each of the last three years | 6 years from the end of the assessment year |
| Income-tax Act, 1961 — Sec. 44AA(2) | Other business or profession: an individual or HUF with income above Rs 2.5 lakh or turnover above Rs 25 lakh in any one of the last three years (Rs 1.2 lakh or Rs 10 lakh for others); a new business likely to cross these; a 44AD user who opts out within five years, with income above the exemption limit | Books to compute total income | No fixed period; keep until assessment and reassessment time has passed |
| Companies Act, 2013 — Sec. 128 | Every company, whatever its size | True and fair books on accrual basis and double entry, at the registered office or another place in India the board picks (Registrar told within 7 days) | At least 8 financial years, with vouchers |
| Companies (Accounts) Rules, 2014 — Rule 3 | Companies keeping books electronically | Daily backup on servers in India; since 1 April 2023, software with an audit trail that cannot be disabled | With the books |
| CGST Act, 2017 — Sec. 35 and 36 | Every GST-registered person | Accounts of supplies, stock, input tax credit and tax paid, at the principal place of business | 72 months from the annual-return due date; longer if a case is pending |
Income-tax rules shown are those of the Income-tax Act, 1961, which governs FY 2025-26 (AY 2026-27). Later years fall under the Income-tax Act, 2025, in force from 1 April 2026.
How long must you keep books and records?
A company must keep its books and vouchers for at least eight financial years (Section 128(5), Companies Act). GST accounts must be kept for 72 months from the due date of the annual return for that year (Section 36, CGST Act). Professionals covered by Rule 6F keep books for six years from the end of the assessment year.
Count GST retention from the annual-return due date, not the year-end: FY 2025-26 records, with GSTR-9 due on 31 December 2026, are kept until at least 31 December 2032. If an appeal, revision or investigation is pending, keep them until one year after it ends, if that is later.
Cash or accrual: which method should you use?
Cash basis records income when money comes in and expenses when they are paid. Accrual basis records them when they are earned or incurred, whatever the payment date. Companies must use accrual and double-entry. Individuals and firms may use either for income tax, as long as they follow the same method regularly.
The company rule is Section 128(1) of the Companies Act; the income-tax rule is Section 145. Because GST is usually due when you invoice, not when the customer pays, most GST-registered businesses find accrual books easier to tie to their returns.
How do clean books help with GST, ITR, loans and audits?
Clean books turn every filing into a copy of numbers you already have. GST returns tie to your sales and purchase registers, the ITR shows your real profit, TDS returns come from the TDS ledgers, and banks get financial statements they can rely on. When a notice or audit comes, the ledgers and bank reconciliation are your evidence.
- GST returns: sales tie to GSTR-1 and input tax credit to GSTR-2B, so mismatch notices such as DRC-01C are less likely. See GST return filing from Rs 449 a month.
- Income tax return: compare real profit with presumptive income under Section 44AD or 44ADA and file on the better basis — ITR for business and professionals, Rs 1,199.
- TDS: the TDS ledgers feed the quarterly TDS statements (Rs 999 a quarter).
- Payroll: salary, PF, ESI and professional tax come from payroll processing (Rs 49 per employee per month).
- Bank loans: banks want financial statements and, for working capital, a project report or CMA data (Rs 2,999) built from them.
- Audits and ROC: a company's statutory audit and AOC-4 start from the books — see annual compliance from Rs 4,999 a year. For FY 2025-26, a tax audit under Section 44AB applies above Rs 1 crore of business turnover (Rs 10 crore if cash receipts and payments are each within 5%) or Rs 50 lakh of professional receipts.
Tally, Zoho Books or Busy: which should you use?
All three handle Indian GST and TDS. Tally Prime is desktop software that most accountants and auditors know. Zoho Books is cloud software you can open from any browser or phone. Busy is desktop software strong in inventory and popular with traders and distributors. The best choice is usually the one your business already uses.
| Tally Prime | Zoho Books | Busy | |
|---|---|---|---|
| Type | Desktop, on a Windows computer; works offline | Cloud, in a browser or mobile app | Desktop, on a Windows computer; works offline |
| Several locations | Needs remote access set up | Built in | Needs remote access set up |
| Strong at | GST and TDS ledgers, inventory, reports CAs know | Invoicing, bank feeds, app integrations | Inventory, multiple godowns, trading |
| Often suits | Most small and mid-sized businesses | Service businesses and startups | Traders and distributors with a lot of stock |
We keep books in the software you already use, so past years stay in one file. A company's software must keep an audit trail (edit log) that cannot be disabled — mandatory since 1 April 2023.
How does online bookkeeping work?
Send last month's bank statement on WhatsApp and we confirm your tier. We set up your ledgers and opening balances, then each month you send statements and bills, we book and reconcile them, and the books are closed by the 10th with a profit and loss account and balance sheet. The tier is reviewed each quarter.
- Tier check: send last month's bank statement on WhatsApp; we count the entries.
- Set-up: ledgers for banks, parties, GST and TDS, with opening balances from last year's balance sheet.
- Documents: each month you send statements, invoices and bills on WhatsApp or by email.
- Booking: every entry within your tier, with one list of open questions instead of many messages.
- Reconciliation: bank and card balances matched; GST ledgers checked against sales and purchases.
- Close: by the 10th, the P&L, balance sheet and debtors and creditors list. At year-end, books ready for ITR and ROC.
Monthly bookkeeping and compliance calendar
Closing by the 10th means the data is ready before the GST and payroll deadlines that follow.
| Date | What happens |
|---|---|
| 1st to 5th | You send last month's statements, invoices and bills |
| 7th | TDS deducted in the previous month is deposited |
| By the 10th | Last month's books closed; P&L and balance sheet sent |
| 11th | GSTR-1 for monthly filers (13th after the quarter for QRMP filers) |
| 15th | PF and ESI payment for the previous month |
| 20th | GSTR-3B for monthly filers (22nd or 24th after the quarter for QRMP filers) |
| 25th | PMT-06 tax payment for QRMP filers, first two months of the quarter |
| 31 Jul, 31 Oct, 31 Jan, 31 May | Quarterly TDS statements |
See every date in our compliance calendar; deadlines can be extended by notification.
How is your financial data kept safe?
We need only bank statements, invoices and bills — never your net-banking password, OTP or card PIN. Documents you send are used only for this work. The accounting file stays yours: in Zoho Books you control our user access, and for Tally Prime or Busy you can ask for the data backup whenever you want.
If anyone asks for a password or OTP in our name, do not share it. A company keeping books electronically must also keep a daily backup on servers physically located in India (Rule 3, Companies (Accounts) Rules, 2014), so check where your software stores its backups.
Bookkeeping & Accounting — by city
City-specific government fees and stamp duty:
Frequently asked questions
How much does online bookkeeping cost?
The fee depends on bank entries a month: Rs 999 for up to 20, Rs 1,499 for 21–50 and Rs 2,499 for 51–150. Above 150 entries we quote after seeing your statements. There is no government fee. The Growth plan combines bookkeeping, monthly GST returns, GSTR-2B reconciliation and TDS support for Rs 1,999 a month, up to 50 bank entries.
What counts as one bank entry?
One bank entry is one credit or debit line in your bank or card statement. Your invoices and bills are not counted separately; they are the backup for those lines. Cash is counted only if you want it booked. Your tier is set from your first month's statements and reviewed each quarter, and heavy B2B billing is quoted separately.
Who must maintain books of account under Section 44AA?
For FY 2025-26, professionals in legal, medical, engineering, architecture, accountancy, technical consultancy, interior decoration, company secretarial, IT and some other notified fields must keep books. Other individuals and HUFs in business must keep books if income exceeded Rs 2.5 lakh or turnover Rs 25 lakh in any of the three preceding years; for firms and companies the limits are Rs 1.2 lakh and Rs 10 lakh.
Do I need books if I use the 44AD presumptive scheme?
Under Section 44AD you can declare at least 8% of turnover as profit, or 6% on digital receipts, without keeping detailed books. But if you opt out within five years of choosing the scheme and your income exceeds the basic exemption limit, books and a tax audit become compulsory. Many 44AD users still keep simple books for GST returns and bank loans.
How long must books of account be kept?
A company keeps books and vouchers for at least eight financial years (Section 128(5), Companies Act). GST records are kept for 72 months from the due date of that year's annual return (Section 36, CGST Act), or longer if an appeal or investigation is pending. Professionals under Rule 6F keep books for six years from the end of the assessment year.
Will my books be ready for the ITR and the company audit?
Yes. Year-end books ready for ITR and ROC are part of every tier, because the books are closed every month. The returns are separate services: ITR for business and professionals is Rs 1,199, and annual ROC compliance for a private limited company starts at Rs 4,999 a year. The statutory audit itself is done by an independent practising Chartered Accountant.
Should my books be on cash or accrual basis?
Companies must keep books on accrual basis and by double entry under Section 128 of the Companies Act. Individuals and firms may use the cash or the accrual system for income tax, as long as they follow it regularly (Section 145). Since GST is usually due when you invoice, not when the customer pays, most GST-registered businesses find accrual books easier to match with returns.
Which accounting software do you use?
We work in Tally Prime, Zoho Books or Busy, usually in the software you already use so your history stays in one file. If you are starting fresh, Tally Prime suits most small businesses, Zoho Books suits teams that want cloud access from anywhere, and Busy suits traders and distributors with heavy inventory.
What documents do I need to send every month?
Bank and card statements for the month, sales and purchase invoices, and expense bills. If you want cash booked, add a simple list of cash receipts and payments. Send them on WhatsApp or by email in the first days of the month so the books can be closed by the 10th.
When do I get my monthly P&L and balance sheet?
Each month's books are closed by the 10th of the next month. You then get the profit and loss account, balance sheet, bank reconciliation and list of debtors and creditors for that month, so you see your numbers every month instead of once a year at ITR time.
Does bookkeeping include GST and TDS return filing?
No. Bookkeeping gives you GST-ready data and TDS ledgers, but filing is a separate service: GST returns start at Rs 449 a month and TDS returns are Rs 999 a quarter. The Growth plan combines bookkeeping, GSTR-1 and GSTR-3B filing, GSTR-2B reconciliation and TDS payment support for Rs 1,999 a month, for up to 50 bank entries.
Is my financial data safe with you?
We need only statements and bills, never your net-banking password, OTP or card PIN, and you should not share those with anyone. Documents you send are used only for this work. In Zoho Books you add us as a user and can remove access at any time; for Tally Prime or Busy, ask for the data backup whenever you want it.
Official sources
The rules, forms and government fees on this page come from these portals. Every filing is made on the official portal, and you get the government reference number.
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