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AI-ENABLED CHARTERED ACCOUNTANCY

Chartered Accountancy, Re-Engineered for the AI Era

A Kozhikode-based Chartered Accountancy firm combining statutory audit, direct and indirect tax practice and NRI advisory with AI-assisted automation and Virtual CFO leadership — for businesses across Kerala, India and globally.

10+

Years in Practice

3

Core Practice Areas

FINANCE ACT 2026 | Tax Year 2026-27

Quick Tax Calculator

Estimate your Income-tax liability under the new and old regimes. Speak to us for a computation tailored to your financial position.

New Regime (u/s 115BAC): ₹ 0
Old Regime (Std Ded ₹50k): ₹ 1,63,800
Open Detailed Tax Calculator
FEATURED PRACTICE INSIGHTS

Authoritative Regulatory & Tax Intelligence

Key practice highlights and expert commentary on statutory audits, NRI capital gains, and corporate compliance.

AUDIT & ASSURANCE

Statutory Audit under the Companies Act, 2013 and Ind AS

Independent audit planning, internal financial control evaluation, CARO 2020 reporting and management letters — supported by data-led testing of full transaction populations rather than sample-only review.

NRI TAXATION

Form 15CA / 15CB — Now Form 145 and Form 146

Foreign remittance certification, lower TDS certificates, capital gains on Indian property sales and DTAA relief for NRIs in the GCC, US, UK and beyond — under both the 1961 and 2025 frameworks.

AI & VIRTUAL CFO

AI-Assisted MIS, Reconciliation and Virtual CFO Reporting

Monthly management information, bank and GSTR-2B reconciliation and cash flow reporting built on automated data pipelines — every output reviewed and signed off by the engagement Chartered Accountant.

CORE PRACTICE MATRIX

Comprehensive Financial & Tax Offerings

Tailored financial governance and compliance solutions designed for individuals, growing enterprises, and multinational entities.

10+
Years of Professional Practice
3
Core Practice Areas
3
Regions Served — Kerala, India, Globally
FINANCIAL SUITE

Interactive Tax & Financial Calculators

Perform instant, high-precision estimates based on latest Income Tax Act 2025 (and 1961), GST rules, and NRI remittance guidelines.

Income Tax Liability Estimator

NEW REGIME (Sec 115BAC - Finance Act 2026)
₹ 1,09,200
Standard Ded: ₹ 75,000 applied. Max Rebate u/s 87A: ₹ 60,000 up to ₹ 12L taxable.
OLD REGIME (With Chapter VI-A Deductions)
₹ 2,10,600
Standard Ded: ₹ 50,000 + 80C ₹ 1.5L applied.

GST Inclusive / Exclusive Split Calculator

Net Base Amount
₹ 84,745.76
Total GST Component
₹ 15,254.24
Gross Invoice Total
₹ 1,00,000.00

NRI Foreign Remittance & Form 15CA/15CB Certificate Assessor

📋 Statutory Certificate Requirements:
  • Form 15CB CA Certificate Required: YES (Remittance > ₹ 5 Lakhs)
  • Form 15CA E-Filing: Part C Required
  • Lower TDS Certificate (Sec 197 / Form 13): Recommended for Property Sales to avoid ~23.9% gross TDS.

Virtual CFO Retainer Scope Estimator

Recommended Retainer Package:

Mid-Market Executive Growth Tier

Estimated Retainer Fee:
₹ 50,000 / month

Includes Monthly Close, Automated Bank Reconciliation Pipelines, Cash Flow Control, Statutory Compliance & Board Advisory.

STATUTORY COMPLIANCE ENGINE

Live Tax & Statutory Compliance Tracker

Automated perpetual countdowns for GST, Income Tax Act 2025 (and 1961), ROC, and NRI filings. Calculates due dates dynamically every year.

VIRTUAL CFO & AI PRACTICE

Virtual CFO Leadership, Powered by AI-Assisted Reporting

Growing businesses need financial direction long before they can justify a full-time CFO. We act as your extended finance function — running the monthly close on automated reconciliation pipelines, producing board-ready management information, and bringing a practising Chartered Accountant into every decision on cash, credit and tax.

Automated monthly MIS, profitability and cash-burn dashboards
Working capital planning, banking facility structuring and lender documentation
Direct and indirect tax risk review under the Income-tax Act, 2025 and the GST law

Virtual CFO Service Scope

📊 Automated Monthly Close & MIS

Bank, GSTR-2B and ledger reconciliation run through automated pipelines, with variance analysis and working capital ratios reviewed by a CA.

🛡️ One Compliance Calendar

A single tracked calendar covering GST, TDS, Income-tax and ROC due dates, with escalation before — not after — a deadline.

🚀 Lender & Investor Readiness

Projected financial statements, CMA data, unit economics and due-diligence packs prepared to the standard banks and investors expect.

TECHNOLOGY PRACTICE

Where Artificial Intelligence Meets Compliance

We build and run the automation ourselves. Every automated output passes through a Chartered Accountant before it reaches you or a regulator.

RECONCILIATION

Automated GSTR-2B and Bank Matching

Purchase registers matched against GSTR-2B and bank statements matched against ledgers at full population, not sample — surfacing unclaimed input tax credit and missing vendor invoices within days of month-end.

Explore Automation Scope
DOCUMENT INTELLIGENCE

Data Extraction from Source Documents

Invoices, bank certificates, statements and registration documents read and converted into structured accounting data, removing the manual keying step that causes most bookkeeping errors.

Explore Automation Scope
REPORTING

Management Reporting Pipelines

Monthly management accounts, cash flow statements and KPI dashboards generated on a repeatable pipeline, so reporting arrives on a fixed date every month instead of whenever the books close.

Explore Automation Scope
A note on how we use technology:

Automation handles volume, matching and extraction. Judgement, opinion, certification and every signature remain with the Chartered Accountant. No audit opinion, tax certificate or statutory filing leaves this firm without professional review.

CLIENT DOCUMENT DESK — DEMONSTRATION

Secure Client Document Submission

A demonstration of our document intake workflow. For live engagements, documents are collected through our onboarding process — please contact the office to begin.

Drag & Drop Tax Documents Here

Supports PDF, XLSX, images and scanned documents. This demonstration does not transmit or store files.

CLIENT ADVISORY

Frequently Asked Tax & Audit Questions

Answers on the Income-tax Act, 2025 transition, NRI property sales, GST compliance and how we use automation in professional work.

Regulatory Advisory

Navigating direct and indirect tax frameworks requires expert Chartered Accountant oversight. Explore key statutory guidelines below or consult our senior practice leaders directly.

Explore NRI Tax Guide

Form 15CA is the remitter's online declaration filed on the Income-tax e-filing portal before money is sent outside India. Form 15CB is the certificate issued by a Chartered Accountant confirming the taxability of the remittance and the rate of tax withheld. For remittances on or after 1 April 2026, these are renumbered as Form 145 and Form 146 respectively under the Income-tax Act, 2025. The underlying requirement is unchanged: a CA certificate is required where taxable remittances to the same non-resident exceed ₹5 lakh in the year.

Both, depending on the year. For FY 2025-26 (AY 2026-27), tax audit is governed by Section 44AB of the Income-tax Act, 1961, and the report is filed in Forms 3CA/3CB/3CD. From Tax Year 2026-27, the corresponding provision is Section 63 of the Income-tax Act, 2025, and the report moves to Form No. 26. The thresholds are substantially the same: audit applies where business turnover exceeds ₹1 crore, or ₹10 crore where cash receipts and cash payments are each within 5% of the total; and for professionals where gross receipts exceed ₹50 lakh. Audit is also triggered where income is declared below the presumptive rates.

We handle the full cycle: computing capital gains (Section 48 of the 1961 Act; Section 72 of the Income-tax Act, 2025); applying for a lower or nil TDS certificate so that tax is withheld on the actual gain rather than on the gross sale consideration (Section 197 / Form 13 under the 1961 Act; Section 395 / Form No. 128 from Tax Year 2026-27); issuing the CA certificate in Form 15CB (now Form 146); filing Form 15CA (now Form 145); and structuring the NRO-to-NRE repatriation under FEMA.

In Kerala, registration is mandatory at ₹40 lakh of annual aggregate turnover for suppliers dealing exclusively in goods, and ₹20 lakh for service providers. Certain categories — inter-state suppliers, e-commerce operators, persons liable under reverse charge and casual taxable persons — must register regardless of turnover.

For most taxpayers, the substantive tax position is largely unchanged; what changes is the vocabulary. "Previous Year" and "Assessment Year" are replaced by a single Tax Year. Section numbers are renumbered throughout — Section 44AB becomes 63, Section 43B becomes 37, Section 195 becomes 393(2), Section 197 becomes 395. Forms are renumbered too: 15CA becomes 145, 15CB becomes 146, Form 13 becomes Form No. 128, Form 16A becomes Form 131. The new Act applies from 1 April 2026. Everything relating to FY 2025-26 and earlier continues under the 1961 Act.

We use automation for the high-volume, repetitive parts of the work: reconciling purchase registers against GSTR-2B, matching bank statements to ledgers, extracting data from invoices and certificates, and generating monthly management reports on a fixed schedule. This means errors surface faster and reporting arrives on time. It does not change who is responsible: professional judgement, audit opinions, certificates and signatures remain entirely with the Chartered Accountant.

Ready to Put Your Compliance on a Fixed Schedule?

Talk to us about statutory audit, tax and GST compliance, NRI certification, or a Virtual CFO engagement built on automated monthly reporting.

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