One-line idea
An AI-powered GST audit defense and compliance copilot for Indian SMEs that ingests 3–5 years of financial data, predicts what auditors will question, and auto-generates defense docs, fixes, and tax-saving opportunities.
Core problem
Indian SMEs (≈27M) are frequently hit with GST/IT audits while having messy books, incomplete documentation, and weak understanding of GST/TDS rules, leading to long audits and penalties of ₹5–25L per case.[1][2] Existing tools (Tally/Zoho) focus on bookkeeping, not predicting audit risk or preparing a structured defense.
What the product does
Ingests data: invoices, bank statements, GST/TDS returns, exports from Tally/Zoho, or voice-entered transactions.
Analyzes: uses long‑context AI (Gemini 3 Pro with ~1M tokens) to read multiple years of transactions together and find anomalies, misclassifications, missed deductions, and high‑risk vendors/patterns.
Predicts: identifies likely auditor focus areas and generates a risk score per area (vendors, GST, TDS, cash, round-amount payments).
Defends: drafts a defense pack—narrative explanations, calculation trails, document checklist, interview Q&A guide.
Optimizes: points out missed deductions, wrong GST rates, MSME benefits not used, and estimates yearly tax savings.
Guides: explains everything in a simple Hindi/English voice/chat interface so non‑finance SME owners can act.
Short user journey
Normal days: User logs or syncs transactions; system instantly classifies them, applies GST/TDS rules, and flags suspicious items.
Month/quarter end: User sees a compliance and risk dashboard plus “fix now” suggestions before filing returns.
On audit notice: User uploads the notice and past data, then gets within hours: risk map, predicted questions, defense report, document checklist, and a Hindi/English voice walkthrough to prepare.
Monetization
Free tier for basic transaction checks and a simple compliance score.
Pro subscription (₹8–12k/year) for ongoing risk monitoring, optimization, and reminders.
Per‑audit “defense pack” fee (₹5–15k) when a real audit notice arrives.
Later: B2B/white‑label API for CA firms and fintech/accounting platforms.
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