India-first · Built native · Launching May 2026

The financial second brain for every Indian business.

From the 14-person print shop in Pune to the ₹50 crore manufacturer in Coimbatore — GeniusCFO replaces Tally, your bookkeeper, and the spreadsheets you dread opening. Real-time books. Cash flow warnings two weeks early. GST filing done. ₹9,999 a year.

Join the beta waitlist
₹9,999
A year, not a month
16
Services, one platform
10 min
Connect bank to first answer
geniuscfo.ai — ask anything about your business
GeniusCFO product — Ask anything about your business
DPDP compliant·12 in beta·SOC 2 in progress
See it first

Two minutes. Everything clear.

01 — The problem

Flying blind, every day.

Walk into any Indian small business and ask the owner what they made last month, where it went, and whether they are on track. Most will pause. Almost none will have a clean answer.

82%
of failures cite cash flow problems as a primary cause.
U.S. Bank / SCORE
95%
of MSMEs decide from the bank balance alone — no forecast, no margin view.
Founder interviews · n=50
62%
say cash flow problems hurt their business this year.
SIDBI MSME Pulse
50%
describe their accountant as reactive — calls come weeks after the damage.
Founder interviews
Ravi · 38·Pune·Print shop · 14 people·₹2.8 Cr revenue

Ravi runs a 14-person printing business in Pune. ₹2.8 crore in revenue. He ran out of cash for payroll because a vendor cheque and a GST payment cleared the same day. 18% emergency loan from a friend. His CA called three weeks later. He has used Tally for nine years.Tally never said a word.

Segment Revenue Count What they use today
Micro < ₹25 L ~38 M Notebooks, WhatsApp to CA, nothing formal
Small ₹25 L – 2 Cr ~14 M Vyapar for invoicing, quarterly CA visits, spreadsheets
Medium ₹2 Cr – 10 Cr ~7 M Tally, Zoho, part-time accountant
Organised ₹10 Cr – 20 Cr ~4 M Tally, Zoho, full-time accountant
Source — Udyam Registration Portal · MoMSME · SIDBI MSME Pulse · founder interviews
02 — The product

Not a plugin on Tally. A native engine.

Most accounting startups in India bolt a chatbot on top of Tally, QuickBooks, or Zoho. We built the accounting engine, the data layer, and the intelligence as one system — from scratch. Three layers, talking to each other in real time.

Layer 3 Intelligence
What it tells you.
Cash flow forecasts Margin analysis Risk alerts Tax deadlines Scenario modelling Chat interface Persona modes
reads & writes
Layer 2 Accounting engine
16 services, built from scratch.
Journal entry Sales invoicing Purchase invoicing Bank reconciliation Financial statements Auditing Financial advisory Payroll Tax management ITR filing Virtual CFO FP&A Financial strategy GST filing Process automation Expense management
Compliant with ICAI · NFRA · RBI · SEBI
reads & writes
Layer 1 Data
All your data, one place.
Bank transactions UPI & wallet Invoices Receipts Payroll Inventory Vendor payments Tax records
Connects via Account Aggregator (6 banks live in beta) · upload · 1-click Tally migration
See it in action

Real screens. Real numbers. Real answers.

Ask anything about your business
Ask CFO "How much did I make last month?" Plain Hindi or English. Real numbers, sourced from your books, every time.
Projected runway forecast
Cash flow 8-week projected runway Inflows, outflows, and the gap on the 15th — flagged 18 days before it hits.
GST workspace and filing
GST workspace GSTR-3B, ready to file Returns pre-filled, mismatches flagged, due dates on the calendar. One click to file.
Executive dashboard
Dashboard The whole business, one view Revenue, runway, margin, tax — and a CFO alert when something needs your eyes.
03 — What this prevents

The losses that do not show up on any invoice.

Three scenarios in rupees — the kind small businesses live through every quarter. On the left, the version without warning. On the right, the version with.

Scenario 01 The cash gap
⏵ Without GeniusCFO
₹3.5 L in the bank. ₹1.8 L of GST, a ₹2.2 L supplier payment, and payroll — all due in the same week. No one is watching the calendar. Owner discovers the gap on the morning of the 14th.
→ 18% emergency loan from a friend
⏵ With GeniusCFO
Warning ping 18 days early. The system identifies a ₹1.6 L receivable from a slow-paying customer and drafts the follow-up email. Cash lands on the 11th.
→ No loan. No stress.
Scenario 02 The silent margin killer
⏵ Without GeniusCFO
A restaurant runs a 20% weekend discount to drive footfall. Food cost creeps from 32% to 41% over five months. Nobody notices because revenue is up.
→ ₹3.5 L gone over 5 months
⏵ With GeniusCFO
Flagged in week 3 — "Food cost on weekends is running 9 points above your baseline. Recommend a portion review or a pricing tweak before the next cycle."
→ ₹3 L saved
Scenario 03 The invisible GST bill
⏵ Without GeniusCFO
₹4.2 L of GST due at quarter end. No funds set aside through the quarter. CA forwards the challan three days before the deadline.
→ ₹40 K in interest & penalties
⏵ With GeniusCFO
Monthly visibility on liability accruing. Set-aside reminders. The challan is drafted and waiting on the 15th of the third month.
→ Zero surprises
04 — How it works

Three steps. Ten minutes.

No setup wizard with 40 fields. No chart of accounts to configure. Connect, ask, get warned.

01
🏦
Connect your bank
Account Aggregator · UPI · statement upload · 1-click Tally migration. Your books rebuild themselves from your data.
⚡ Under 2 minutes
02
💬
Ask anything
Plain Hindi or English. "How much did I make this month?" "When will I run out of cash?" "Can I afford another driver?"
⚡ Instant answers
03
🛡️
Get warned early
Cash gaps, margin drops, GST deadlines — flagged before they become problems. The CFO that doesn't sleep.
⚡ 24×7, all states
05 — Pricing

Stop overpaying. Start knowing.

The old stack — CA fees, Tally licence, half a dozen tools, and your time — is between ₹60,000 and ₹3,00,000 a year. We are ₹9,999.

What you pay today
₹60,000 – ₹3,00,000
per year · CA fees + Tally licence + tools + your time
  • ✕Monthly books that are 3 to 4 weeks old
  • ✕No cash flow forecasting
  • ✕No warning before problems hit
  • ✕Reactive — your CA calls after the damage
  • ✕No financial advice unless you ask for it
  • ✕Multiple tools, multiple logins, no single view
  • ✕20+ hours to set up Tally the first time
vs.
GeniusCFO
₹9,999
per year · everything included · 16 services
  • ✓Books that update as transactions happen
  • ✓Cash flow forecasts and runway tracking, always live
  • ✓Warns you before problems hit — 24×7
  • ✓One platform. Nothing else to buy.
  • ✓Forecasts, alerts, and financial advice included
  • ✓16 services, one subscription
  • ✓Up and running in 10 minutes
Founding-member pricing locked in for life for everyone on the beta waitlist.
06 — What is inside

Everything a CFO does. Automated.

Sixteen services that normally live in five different tools and three different people. One subscription. One login.

📒
Accounting & bookkeeping
Automated
📑
Financial statements
Automated
🔍
Auditing
Human sign-off
💡
Financial advisory
Automated
👥
Payroll
Automated
🧾
Tax management
Automated
📤
ITR filing
Automated
📊
Virtual CFO
Automated
📈
Budgeting & FP&A
Automated
🧭
Financial strategy
Automated
🪙
GST filing
Automated
⚙️
Process automation
Automated
💳
Expense management
Automated
🧮
Sales invoicing
Automated
📥
Purchase invoicing
Automated
🏦
Bank reconciliation
Automated
15 of 16 services run without manual intervention. Only auditing needs a human sign-off.
07 — Built for everyone

You do not need to know accounting. Your CA does not need to learn new software.

Person What they get What they never have to do
Business owner
No accounting background		 Ask questions in plain language. Dashboard shows revenue, cash, margins. Clear answers — not jargon. Learn accounting. Open a chart of accounts. Reconcile transactions. Configure anything.
Senior accountant
Finance manager		 Full access to journal entries, trial balance, reconciliation queue. System categorises, flags what needs review. Manually categorise 500 transactions a month. Chase data from three tools.
CFO
Or finance head		 Scenario modelling, board-ready reports, margin and runway analysis. A view tuned for strategic decisions. Compile data from five sources into slides. Spend 70% of the week on reporting.
CEO or COO
Run the business		 One-line summaries, key alerts, decision prompts. "Before you approve the new hire, here is what it does to your break-even." Open the accounting system at all.
08 — How we compare

Tally is a 30-year-old program on a desktop-first codebase.

Zoho built for global. ClearTax built for tax. Vyapar and Khatabook built for invoicing. We built for everything an Indian business actually needs — in one place.

Capability Tally Zoho ClearTax Vyapar Khatabook GeniusCFO
Cloud-native ✕ ✓ ✓ ✓ ✓ ✓
Built-in intelligence ✕ ◐ ✕ ✕ ✕ ✓
Full accounting ✓ ✓ ✕ ✕ ✕ ✓
Forecasts & advice ✕ ✕ ✕ ✕ ✕ ✓
GST & ITR automation ◐ ◐ ✓ ✕ ✕ ✓
Works for CAs ✓ ◐ ✓ ✕ ✕ ✓
Mobile-first ✕ ✓ ◐ ✓ ✓ ✓
Annual cost ₹18K – 54K ₹9K – 90K Free – ₹10K ₹3K – 6K Free – ₹1K ₹9,999
09 — For chartered accountants

Compress 15 hours a month to 30 minutes.

A practising CA spends 12 to 15 hours a month per client on data entry, reconciliation, and tax filing. With GeniusCFO, you review in 30 minutes. Charge your client the same fee. Keep the difference.

5 – 8
Active clients per CA at launch
₹4,999
Starter plan · up to 20 clients
400 K
Practising CAs in India
May 2026
Beta open · CA partner programme
Apply to the CA partner programme
400K
Practising CAs in India
"Ready to migrate my existing clients after launch. The bottleneck is manpower — I cannot onboard businesses doing 700 daily transactions today."
— Consulting firm owner · 30–40 clients
10 — FAQ

Got questions?

Do I need accounting knowledge?+
No. Connect your bank and the system builds your books for you. Ask questions in plain Hindi or English. You will never have to see a chart of accounts.
How is this different from Tally, Zoho, or QuickBooks?+
Those are ledger tools. You still need a person to run them. GeniusCFO replaces the ledger, the person running the ledger, and the spreadsheets you keep alongside it. Books and intelligence are one system.
Can I migrate from Tally?+
Yes. One-click migration. Your historical data comes over — accounts, ledgers, transactions, vouchers — and reconciles against your bank feed automatically.
Will my CA use it too?+
Yes. Persona modes give CAs full access to trial balance, journal entries, reconciliation queues, and audit trails. They work faster, not differently.
Is my data safe?+
DPDP Act compliant. Account Aggregator framework with 6 banks live in beta. SOC 2 certification in progress. Encryption in transit and at rest. Your data stays in India.
What is included in ₹9,999?+
All 16 services. Accounting, bookkeeping, financial statements, payroll, tax management, ITR filing, GST filing, virtual CFO, budgeting, expense management, invoicing, bank reconciliation, and more. One price. One platform.
When does the beta open?+
May 2026. Join the waitlist for early access and founding-member pricing, locked in for life.
What about businesses above ₹20 crore?+
Enterprise version with on-premise deployment option. Beta opens July 2027.
11 — Join the beta

Get early access.

Be among the first to try GeniusCFO. Beta users get founding-member pricing — ₹9,999 a year, locked in for life.

Accepted: 9958067153  ·  919958067153  ·  +919958067153
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