Practical finance writing
Writing about the finance function
Practical pieces on the things that actually come up — what a close should produce, when a business needs a CFO, and where the money quietly leaks.
- GST & TDS 8 min read
TDS under the Income-tax Act, 2025: what changed from 1 April 2026
Section 393 replaced the 194-series, the forms were renumbered and ‘tax year’ arrived. What changed for your accounts team, and what didn’t.
Read → - Finance Operations 8 min read
Bank reconciliation for small businesses: a monthly routine that works
What a bank reconciliation proves, the five kinds of difference, a worked example, and why year-end reconciliation costs more than monthly.
Read → - Virtual CFO 8 min read
How much does a virtual CFO cost in India?
Our actual prices, what drives a VCFO fee up or down, how to compare it with a full-time hire using your own numbers, and the questions to ask before you sign.
Read → - GST & TDS 9 min read
GST reconciliation: the five checks to run every month
The portal now matches your returns against each other and issues notices automatically. The five monthly reconciliations that keep you ahead of it.
Read → - Virtual CFO 8 min read
Profitable but out of cash: why profit and cash flow differ
How a business can make a healthy profit and still run short of cash, the six places the money goes, a worked example, and how to see it coming.
Read → - Finance Operations 8 min read
Outsourced accounting vs hiring an accountant: an honest comparison
Cost, control, continuity and quality compared — including where an in-house team is the better answer, and the hybrid most growing businesses end up with.
Read → - Reporting 9 min read
How to build an annual budget for a small business
A budget built from drivers rather than last year plus ten per cent, phased by month, tied to cash — and reviewed every month so it is actually used.
Read → - GST & TDS 8 min read
E-invoicing under GST: who needs it, and how it works
Who has to e-invoice, what the IRN is, the 24-hour cancellation window, the 30-day reporting limit, and the mistakes that cost your customers their credit.
Read → - Finance Operations 9 min read
A chart of accounts for Indian SMEs that makes reporting easy
How to structure ledgers in Tally or Zoho Books so margins, GST and TDS fall out of the books — with a sample structure and the mistakes that clutter it.
Read → - Finance Operations 9 min read
How to get paid faster: a receivables routine for small businesses
Why customers pay late, how to prevent most of it at the invoice, a follow-up ladder that works, and what the MSMED Act gives micro and small suppliers.
Read → - Virtual CFO 11 min read
How to build a 13-week cash flow forecast
The single most useful report a growing business can have. How to build one from scratch, the mistakes that make it useless, and how to run it every week.
Read → - Reporting 10 min read
Gross margin analysis: finding the product that’s losing you money
Why blended margin hides your worst lines, how to split margin properly by product and client, and what to do when you find the loss-maker.
Read → - Virtual CFO 9 min read
The investor reporting pack Indian startups should send every month
What investors actually want in a monthly update, the metrics that belong in it, and why a consistent pack is worth more than a good one sent occasionally.
Read → - Virtual CFO 10 min read
A virtual CFO for a family business: what changes, and what doesn’t
Family businesses have finance problems no textbook covers — blurred personal and business money, succession, informal decisions. How a VCFO helps.
Read → - Finance Operations 10 min read
Moving from Tally to Zoho Books: a practical migration guide
When the move makes sense, what actually transfers and what doesn’t, the cut-over sequence, and the six mistakes that turn a weekend into three months.
Read → - GST & TDS 10 min read
Received a GST notice? What it means and what to do first
The common GST notices, what each is actually asking, how to prepare the reconciliation a reply needs — and where your CA has to take over.
Read → - Virtual CFO 9 min read
When should a business hire a virtual CFO?
Six triggers that mean you’ve outgrown a bookkeeper, three that mean you haven’t, and an honest look at what a VCFO costs against a full-time finance head.
Read → - Reporting 10 min read
The monthly MIS report format Indian SMEs actually need
What belongs in a management reporting pack, in what order, and why most MIS in Indian SMEs gets built once and then quietly ignored.
Read → - Reporting 11 min read
How to read a P&L statement (for business owners)
A line-by-line walk through a profit and loss statement, the four ratios worth computing, and the five things owners most often misread.
Read → - GST & TDS 11 min read
GSTR-2B reconciliation: the complete guide
How to match GSTR-2B against your purchase register, where the Invoice Management System fits, and how to stop losing input tax credit you’re entitled to.
Read → - Virtual CFO 10 min read
Cleaning up your books before a fundraise
What financial due diligence actually tests, the eight things that get flagged, and why fixing them during a live process is the most expensive time to do it.
Read → - Virtual CFO 8 min read
Virtual CFO vs Chartered Accountant: what’s the actual difference?
They’re not competing roles. One certifies the past; the other decides the future. How to tell which your business needs — and when you need both.
Read → - Finance Operations 9 min read
What a month-end close should actually produce
Most businesses think the close ends with a trial balance. It doesn’t. Here’s what a proper monthly close delivers, and the checklist we run.
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Meet a term you don’t know? The finance, GST and TDS glossary defines it in plain English. Prefer to work in a spreadsheet? Try the free Excel templates.
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