What VyaparSetu does

Each of these is implemented and tested against the rule it encodes. Nothing here is a roadmap.

Invoices, sent and paid

Raise a tax invoice that looks the way Indian customers expect, send it from your own email, and see it paid.

The standard tax invoice: A framed sheet with logo, name, address, GSTIN, number, date, terms, due date and place of supply; Bill To and Ship To; every line with HSN/SAC, quantity, rate and its CGST/SGST or IGST; total in words; notes, terms; and the HSN/SAC summary — one layout on screen, in print and in the emailed PDF.
Signature, stamp and bank details: Upload the authorised signatory's signature and the firm's stamp once and they are drawn into the signature box of every invoice; the bank account a customer pays into prints under Notes as Bank Details for Payment.
A QR that pays: The invoice carries a QR a customer scans with any UPI app, with the balance due filled in; without a UPI ID it carries the Razorpay payment link instead, and the link is printed beside it.
Sent from your own email: Send Email opens a composer with From as your connected Gmail or Google Workspace address, the customer's email filled in, your office in Cc, the subject and message written, and the PDF attached — the email goes through Google as you and sits in your Sent folder.
WhatsApp, in the same menu: The Send dropdown offers a WhatsApp message with the number, amount and due date, and Share copies a payment link.
The list as Zoho shows it: Every invoice with a status in words — Paid, Overdue by 12 days, Due in 3 days, Partially paid — a payment summary of what is outstanding, due today, overdue and within thirty days, and a split view with the invoice beside the list.
TDS on the invoice: Pick the section — 194J, 194C, 194H, 194I, 194Q, 194A or 194O — and the rate follows; the invoice shows the TDS deducted, the receivable is the amount after it, and GSTR-1 reports the value before it.
Record a payment, or part of one: Cash, UPI, NEFT, RTGS, IMPS, cheque, card or a Razorpay link, matched to the invoice; a part payment leaves the balance due and the status says Partially paid.
Every send remembered: Who an invoice was emailed to, from which address and when is kept on the invoice and in the audit log — the record a customer's accounts team asks for.

GST returns

Prepare, check and file GST returns from the books, with the rules the law sets.

GSTR-1: All sections, HSN summary and the documents-issued table, built from invoices in the books; SEZ supplies with and without payment of tax land in their own rows.
GSTR-3B: Derived from GSTR-1 and the saved GSTR-2B, with the statutory ITC set-off order (sections 49(5), 49A, 49B and Rule 88A), imports, ISD, reverse charge and reversals.
GSTR-2B reconciliation: Three-way match of the purchase register against GSTR-2B; every document classified and an IMS action recommended with a reason.
IMS decisions: Accept, reject or keep pending each supplier invoice; a person's decision is never overwritten by a re-run.
QRMP: Quarterly GSTR-1 and 3B with monthly PMT-06, IFF for months one and two, and state-wise due dates.
Composition scheme: CMP-08 and GSTR-4 dates, bill of supply, and screens that say plainly what a composition dealer must not file.
Registration effective date: Every return starts from the day the GSTIN took effect; invoices raised before registration stay out of GSTR-1 instead of being reported as taxable supplies.
Proceed to file: SAVE → SUBMIT → FILE with EVC, as a state machine with server-side gates — a filed return refuses further action.
Filing guardrails: The three-year filing bar, the 30-day e-invoice window, GSTR-3B hard-locking and the portal's API-access grant are checked before anything is transmitted.
Return check: A filed GSTR-1 or 3B, read from the portal PDF or fetched through the GSP, compared against the books: what was left out, which customers' credit is blocked, by when it can still be put right, and what would be paid twice.
Late-report planner: For a GSTR-1 filed NIL while 3B was paid: which later return can still carry the missed invoices at their original dates before the 30 November cut-off, quarter by quarter, and how to keep the tax from being charged twice.

e-Invoicing and e-way bills

INV-01 and IRN: Every mandatory field checked before transmission; idempotent so a retry never becomes a second report.
Signed QR: The IRP's signed QR read directly — exact GSTINs, number, date, IRN and total — for the fast path into the books.
Cancellation: Within the 24-hour window; afterwards the product says to reverse with a credit note.
e-Way bills: Thresholds by state, validity by distance, Part A and Part B kept apart, the 180- and 360-day limits enforced.

Collections and receivables

Get paid: know who owes what, chase on WhatsApp, and record what arrives.

Receivables ageing: Buckets, DSO, credit limits and who to chase first, by money at risk.
Dunning ladder: Reminders that escalate in tone, start before the due date, pause on a promise to pay and end with a person.
WhatsApp, direct: Meta's Cloud API without a middleman, using approved templates.
Consent and opt-out: Opt-in recorded where it was captured; opt-out is absolute; one contact per debtor per day.
Promises to pay: A recorded promise pauses the ladder; one open promise per invoice.
Payments received: Cash, UPI, NEFT, cheque or a Razorpay link — matched to the invoice, part payments included, and posted to the ledger.
Payment rails: Razorpay payment links and virtual accounts on every reminder.
Section 43B(h) monitor: MSME supplier payments tracked against the 15/45-day deadline that decides tax deductibility.

Bills, expenses and what you owe

The other side of the ledger, kept as carefully as the sales side.

Bills as a list you can work: Every supplier bill with its status in words, what is due and overdue, the bill itself beside the list, and Record Payment on it.
TDS you deduct: A bill carries the section and rate; the payable is the amount after TDS and the TDS payable is posted on its own head, ready for the challan.
Expenses: Amount, category, paid from cash or a bank account, GST inside the amount with the input-credit choice, and the receipt — posted to the ledger.
Your own WhatsApp number: The owner presses one button, Meta's own window opens, and they pick or create their WhatsApp Business Account and the number customers will see. Invoices and reminders then go out under their name, on their number, with their messaging limits — not a shared one. The message templates are created on their account automatically.
One head per thing: The chart of accounts is checked for the same head under two names — four salary heads after a migration is normal — and merging them moves every posting to the head that stays without rewriting a single journal. Heads named after a person are offered for folding into Salaries & Wages, with the person as the employee.
Employees and salaries: A roster of the people you pay. A bank line categorised as salary is recorded against the person, under Salaries and Wages, so what each employee was paid this month and this financial year is a row, not a search — the way Zoho Payroll keeps it.
Bill payments settle bills: A payment made is applied to the bills it pays, in part or in full, and what remains open is what the ageing shows.
Quote comparison: A supplier quote against the previous six purchases.

Your CA, inside the books

Give your chartered accountant the books to review where they live, and get a signed set back.

Invite your CA: Invite a chartered accountant by mobile number into a read-only professional role; they see everything and change nothing, and an invite can never demote an existing member.
Books Ready for Review: One button posts what is unposted and freezes the period's Profit & Loss, Balance Sheet, Trial Balance, General Ledger, Cash Flow, GST summary and ageing into a pack with its hash — the CA reviews that, not a view that shifts under them.
Bank, filing and evidence status: The pack carries what the bank shows against the books, which returns are filed for the period, and how much of it is backed by a document.
Queries: The CA asks on a line; the business answers; the pack moves to Queries Pending and back when every query is resolved.
Proposed adjustments: The CA proposes balanced journal entries with a reason; the owner approves, and only then does an entry post. Nothing a reviewer does changes the books on its own.
Signed document and UDIN: The states run System Generated → CA Review → Queries Pending → Review Complete → Signed Document Attached; the signed set is uploaded with its UDIN and the reviewer, timestamps and hash are in the audit trail.
Period close: Closing a period locks its documents and payments; a signed pack's snapshot is frozen with it, and only an owner can reopen.
Practice console: A CA with several clients sees one worklist across all of them — returns due, reviews waiting, queries answered — and steps into any client's books from it.

Books and ledger

A correct set of books underneath everything, kept by the system.

Double-entry ledger: Journal entries, trial balance and fiscal periods; postings are never edited, only reversed; invoices, bills, receipts, payments and TDS all post.
Gapless numbering: Invoice series per financial year and GSTIN with no gaps.
Effective-dated GST rates: Every rate resolved against the document date; an abolished slab cannot be applied to a current invoice.
Hash-chained audit log: Every change recorded in an append-only chain that can be verified.
Inventory: Stock moves when documents are confirmed; weighted-average or FIFO valuation; reorder planning against cash.
Customers and vendors: Type the GSTIN and the legal name, trade name, state and registered address are read from the GST register, with a warning if the registration is cancelled; each party shows what it owes or is owed.
Journal: Every entry with its lines and the document behind it; a document that should not have been confirmed is cancelled and its entry reversed in one step, reason kept, nothing deleted.
Chart of accounts: Add your own heads — a term loan, a fixed deposit, an EMD, a partner's capital — under any parent of the same kind, with the account types an accountant expects: Other Current Asset, Fixed Asset, Credit Card, Non Current Liability, Cost of Goods Sold.
Reports Center: Profit and loss, balance sheet, cash flow, trial balance, general ledger and day book; sales by customer and item; AR and AP ageing; payments received; expenses by category; a GST summary by rate — any period, CSV or print, with a star for the ones you keep opening.

Getting documents in

Bring what exists — bills, statements, another system's books — without retyping.

Zoho Books: Each business connects its own account with read-only access; customers, items, invoices with their TDS and addresses, bills, payments applied to the invoices they settled, journals and bank lines come across — each bank line already categorised as it was in Zoho and linked to its receipt or payment, with the count checked against Zoho's — within Zoho's daily API limit, and a nightly sync keeps them in step.
Tally: Import a Tally XML export from the web or the phone; vouchers become documents in the Inbox, deduplicated.
Spreadsheets: A sales or purchase register in Excel or CSV, mapped, validated and reviewed before posting.
Email intake: A private per-business address suppliers send bills to; unknown senders are held, not dropped.
Bank statements: The bank's PDF or CSV read in the browser and imported; each line named by rules — a customer payment against an invoice, a supplier payment against a bill, an expense, a charge — and the bank balance shown against the book balance per account.

Cash and planning

See what is coming and what can be afforded.

Cash forecast: Receivables, payables and learned running costs projected forward.
Reorder planning: What to reorder this week without creating a cash deficit, with lead times.
Lender packet: The documents a lender asks for, and a readiness check before asking.

Ask, in your language

Ask the business a question and get an answer grounded in the books.

Voice and text: Ask on the web or the phone; the question is understood in the language it was asked in.
Eleven languages: Answered in English, Hindi, Bengali, Gujarati, Kannada, Malayalam, Marathi, Odia, Punjabi, Tamil or Telugu, and read aloud.
Grounded answers: Every rupee figure comes from a computed result; an unsourced number is refused rather than spoken.
Collect everything overdue: One instruction ranks the overdue book and sends every reminder that is due — after a person confirms.

Integrations

Connect the books to the tools already in use.

Zapier: Seven triggers (new invoice, invoice paid, new bill, new payment, new customer, new supplier, new promise), two actions (create customer, create invoice with GST computed), three searches — with ready-made setups for Google Sheets, Slack, Gmail, Google Calendar, Google Forms and Shopify.
API: The same per-business key works from anything that speaks HTTP; amounts in rupees, rates in percent.
Google account: Each person connects their own Gmail or Google Workspace mailbox with a single permission — send email — so invoices leave from their address; nothing here can read their mail.

On the phone

The counter, not the back office: the day's work from an Android phone.

Raise an invoice anywhere: Customer, lines, GST computed live, saved before the phone goes back in the pocket.
See what you are owed: Aged oldest first, the way it is actually worked.
Chase from the counter: Read every reminder the ladder drafted, tick the ones to send.
Record a payment: The moment the cash or the UPI notification arrives, matched to the invoice.
Import Tally on the phone: A Tally XML export shared to the app lands in the Inbox like any other document.

Security and compliance

Built for data other people are entitled to rely on.

Row-level security: The database is the tenant boundary; one business cannot read another's rows even through a bug.
Mobile-OTP sign-in: The GST-registered mobile is the identity.
Roles that mean something: Owner, manager, accountant, staff, read-only and chartered accountant; what each may write, review or administer is enforced in the database, not the screen.
DPDP: Consent records, data-principal requests with a 90-day SLA, retention floors, legal holds and a breach register.
Credentials stay server-side: GSP keys, the WhatsApp token, payment secrets and the token that lets the app send from your Gmail never reach a browser or a phone.

Who it is for

GST-registered small businesses in India with roughly ₹25 lakh to ₹25 crore turnover: traders, distributors, light manufacturing, workshops, professional services, small B2B supply chains — and the accountants who serve them.

Languages: English, Hindi, Bengali, Gujarati, Kannada, Malayalam, Marathi, Odia, Punjabi, Tamil, Telugu. Platforms: Web and Android.

Common questions and use cases →