Finance & accounting, managed

Your books closed by the 10th.
Every return filed before it falls due.

Kripa runs the finance function for Indian MSMEs, funded startups and accounting practices — bookkeeping, GST, TDS, payroll and monthly reporting — for a fixed monthly fee, against a written service level.

Book a 20-minute call See pricing
T−2
Filings go in two days before the statutory date
10th
Management pack in your inbox each month
24h
Query response, 48 hours to resolution

Why the load has gone up

Compliance got heavier. Hiring for it didn't get easier.

Three changes have expanded the recurring finance workload of every registered Indian business at the same time — without expanding the supply of people who can do the work.

GST 2.0

A restructured rate table

The move to 0, 5, 18 and 40 per cent slabs sent every business back through its item master and HSN mapping — and left a longer tail of classification questions behind it.

Income Tax Act 2025

A renumbered statute

In force from 1 April 2026. Nearly every section has moved, TDS provisions included, while open assessments still run under the 1961 Act. Templates, checklists and workings all need two versions.

ITC matching

Credit that depends on your vendors

Input credit now turns on supplier-side filing accuracy. That means monthly GSTR-2B reconciliation and vendor follow-up — high volume, rules-based, and expensive to do badly.

What we run

Seven towers. One monthly output.

Take the whole finance function or a single tower. Each one is defined by its deliverable and its turnaround, which is what makes a fixed price hold.

TOWER 01

Transaction processing

Books current to T+2. Vouchers, ledgers, AP and AR, bank reconciliation, inventory and the fixed-asset register.

  • Tally Prime
  • Zoho Books
  • QuickBooks
TOWER 02

Statutory compliance

GSTR-1, GSTR-3B and QRMP; GSTR-2B reconciliation with a written mismatch report; TDS challans and quarterly returns; advance tax and ITR.

  • GST
  • TDS / TCS
  • Income tax
  • Notices
TOWER 03

Payroll & employee admin

Register by the 25th, payslips by the 1st. Salary TDS, PF, ESI, PT and LWF filed with the cycle. Form 16 and investment proofs handled.

  • PF / ESI
  • Professional tax
  • Full & final
TOWER 04

Entity & secretarial

Incorporation, registrations and annual ROC work — AOC-4, MGT-7, DIR-3 KYC, registers and minutes. Backlog regularisation where filings have slipped.

  • Pvt Ltd / LLP
  • Udyam
  • IEC
  • ROC catch-up
TOWER 05

Controllership & MIS

A real close calendar, accruals and schedules, then a management pack by the 10th — P&L against budget, balance sheet, cash flow, top debtors and a page of commentary.

  • Monthly close
  • Budget vs actual
  • 13-week cash
  • Audit support
TOWER 06

Virtual CFO

A qualified CA in your monthly business review. Board and lender reporting, three-statement models, unit economics, working capital, fundraise and due-diligence support.

  • Board pack
  • Modelling
  • Data room
TOWER 07

Finance automation

The part most providers can't sell you, because it shrinks their own invoice. Bank feeds, OCR bill capture, scripted GSTR-2B matching and a live dashboard — so the same team carries more of your work for less.

  • Bank feeds
  • OCR capture
  • Power BI
  • Integrations

Pricing

Published, capped, and billed the same way every month.

Every tier carries a transaction cap and a GSTIN count, so scope is visible instead of quietly absorbed. Twelve-month agreement, 90-day exit. All prices exclude GST.

Nano

Proprietor, freelancer or a dormant entity

₹4,000
per month
  • Bookkeeping
  • One GSTIN, nil or small return
  • Annual ITR support
Up to 75 txn / mo

Starter

Small SME, turnover under ₹2 crore

₹9,000
per month
  • Bookkeeping and bank reconciliation
  • One GSTIN — GSTR-1 and 3B
  • TDS challans and returns
  • Quarterly review call
Up to 150 txn / mo
Most chosen

Growth

Established SME, ₹2–15 crore

₹22,000
per month
  • Everything in Starter
  • GSTR-2B reconciliation
  • Up to 2 GSTINs
  • Payroll to 25 staff
  • Monthly close and MIS pack
Up to 400 txn / mo

Scale

Mid-market, ₹15–50 crore

₹55,000
per month
  • Everything in Growth
  • AP and AR management
  • Up to 4 GSTINs
  • Payroll to 100 staff
  • Budget vs actual, audit support
  • Named manager
Up to 1,000 txn / mo

Enterprise

₹50 crore+, funded or multi-entity

₹1,25,000
per month and up
  • Everything in Scale
  • Virtual CFO
  • Group consolidation
  • Board pack and forecasting
  • Unlimited GSTINs
Scoped to you
Add on what you need
Payroll processing₹250 / emp / mo
Payroll with statutory filing₹400 / emp / mo
Additional GSTIN₹2,500 / mo
ITC reconciliation only₹3,500 / mo
Management pack₹6,000 / mo
13-week cash forecast₹8,000 / mo
Annual ROC compliance₹12,000 / yr
GSTR-9 / 9C₹15,000–45,000
Books clean-up / backlogfrom ₹15,000
Finance process health check₹40,000
Private limited incorporation₹12,000–20,000
Notice handling₹2,500 / hr

For chartered accountants

Capacity that doesn't resign in February.

You have the clients and the sign-off. What you don't have is a bench that survives the season. We work under your letterhead, in your templates, and your clients never hear our name.

  • A free two-week pilot on three clientsEnding in a written quality report. You judge the work before any money moves.
  • Replacement within five working daysTrained on your processes from the SOP we wrote during onboarding. Attrition becomes our problem.
  • Non-solicitation in writingWe never approach your clients directly. It is in the contract, not just the conversation.
  • Or buy per client, not per seatWholesale rates at roughly 50–60% of the published price card, so you keep the margin on your own relationship.
Request a pilot
Dedicated resource — monthly
Accounts Associate
Voucher entry, reconciliation, data prep
₹48,000
Senior Accountant
Full-set books, GST and TDS workings
₹85,000
Team Lead / Reviewer
Review, close, client handling
₹1,20,000
Qualified CA / Controller
Complex advisory, audit and sign-off support
₹2,25,000

Every seat is a supervised team, not a body on hire: a reviewer above it, a written SOP behind it, leave and attrition backfilled. 160 hours a month, three-month minimum.

The people doing the work

A finance desk led by people who have run one.

Not a platform with a support queue behind it. Between them the four people below have spent decades in Indian financial services, enterprise implementation and Microsoft technology — and they are the ones your account escalates to.

R. Goutham Chand
MBA (Fin)

R. Goutham Chand

Founder & Virtual CFO

Heads accounting services, GST, and statutory and compliance delivery. Subject-matter expert across Indian financial services.

2.5 decades in financial services

J. Selva Kumar
BCA

J. Selva Kumar

Partner & Customer Engagement

Owns the client relationship end to end — requirement gathering, use cases, solutioning and implementation.

2.5 decades in implementations

Karthickeyan
B.Com

Karthickeyan

Implementation Consultant

Techno-functional financial subject-matter expert — the bridge between how the books should work and how the system actually behaves.

18 years in implementation

G. Suryanarayanan
MBA (Systems)

G. Suryanarayanan

Chief Technology Officer

Heads technology and the automation tower. Specialist in Microsoft solutioning, with delivery experience across global markets.

3.5 decades in industry, worldwide

Customer delivery team The named people who run your monthly cycle
R. Chitra
M.Com
G. Saritha
MBA (Fin)
Shylashree
Customer Delivery
V. Usha
B.Com

Onboarding

Thirty days from signature to a clean first close.

We run in parallel with whatever you do today until every difference is reconciled. You switch over once, not gradually.

STEP 1
Days 1–3

Papers and access

Engagement letter, NDA and data-security terms. Credentials handed over through a controlled process, never over chat.

STEP 2
Days 4–10

Discovery

Your current process, systems, opening balances, any compliance backlog, and who approves what.

STEP 3
Days 11–18

Build

Chart of accounts, opening balances migrated, your compliance calendar instantiated with dates and owners, SOP written.

STEP 4
Days 19–25

Parallel run

We work the month alongside your existing process and reconcile every difference before anything is relied on.

STEP 5
Days 26–30

Go live

First deliverable, an expectations call, and a named escalation path you can actually reach.

How we protect you

A missed deadline is your penalty, not our apology.

Which is why the controls sit in the process rather than in the promise.

Internal dates, not statutory ones

Every obligation carries a date three to five days ahead of the real one, with an owner and an automatic escalation at T−2.

Maker–checker, no exceptions

Nobody files anything unreviewed, however senior and however late in the day it lands.

An SOP per client

Written at onboarding and updated on every change. It is what makes a person replaceable in five days instead of five weeks.

Access, logged

Role-based access, no client data stored locally, NDAs with every employee, and an ISO 27001 roadmap with a date on it.

A published service level

24-hour query response, 48 hours to resolution, filings at T−2, MIS by the 10th — measured monthly and reported back to you.

Quarterly review

Every client above Starter gets a scheduled review of accuracy, timeliness and what changed in your business.

Where we stop. Audit, assurance and statutory certification in India may only be performed by practising chartered accountants. Kripa prepares, processes and supports — we do not sign audit reports or issue statutory certificates. All attest work is referred to our partner practising CA firm, and the boundary is written into every engagement letter.

Questions we get asked

Before you book the call

Do I have to change my accounting software?

No. We work in Tally Prime, Zoho Books and QuickBooks, and we work in yours rather than forcing a standard. If your setup is genuinely holding you back we will say so and quote the migration separately — but that is your decision, not a condition of working together.

What happens if a return is filed late?

If the delay is ours, we pay the late fee and interest. Our internal date sits three to five days ahead of the statutory one precisely so that a bad week does not become your penalty. Where the delay is caused by data we chased and did not receive, that is documented at the time rather than argued about afterwards.

How do you handle our data?

Role-based access, nothing stored on local machines, signed NDAs with every employee, and an access log. Credentials are collected through a controlled handover during onboarding, not sent over WhatsApp. We are working toward ISO 27001 certification and will tell you honestly where we are in that process.

My books are two years behind. Is that a problem?

It is common and it is fixable. Backlog clean-up is priced per pending month and volume, quoted after we have looked at the actual state of things, and completed before the monthly retainer starts so that you begin from a clean position.

What is not included in the monthly fee?

Statutory and government fees, annual returns such as GSTR-9 and 9C, tax-audit schedules, notice handling, incorporation and ROC filings, and anything above your tier's transaction cap. Overage is billed monthly and visibly — ₹18 per transaction, ₹2,500 per extra GSTIN, ₹250 per employee above the payroll cap — so you can see it and decide to upgrade or scale back.

Can we start with just GST, or just payroll?

Yes. Most clients start with one tower and add others once the working relationship is proven. Payroll from ₹250 per employee per month and standalone ITC reconciliation from ₹3,500 per GSTIN are the two most common entry points.

Get in touch

Tell us what's on your plate.

Twenty minutes on a call is usually enough to tell you what this would cost and whether we are the right fit. No deck, no discovery fee.

We reply within one working day.