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Anyone whose gross total income exceeds the basic exemption limit — ₹2.5 lakh for below 60 years, ₹3 lakh for senior citizens — must file an ITR. Filing is also recommended even below the limit if you have foreign assets, want to claim a refund, or need it for loan or visa purposes.

The old regime allows deductions like 80C, 80D, HRA, and home loan interest. The new regime offers lower slab rates but without most deductions. Our CA will calculate which saves you more tax before filing.

You can file a belated return up to 31st December of the assessment year with a late fee of up to ₹5,000. Interest under Section 234A also applies on outstanding tax. Consistent non-filing can attract notices and penalties from the IT department.

Yes, absolutely. We handle tax notices and their required responses pertaining to previous years even if you have not availed our services before. Whether it's a scrutiny notice, demand notice, or any communication from the Income Tax Department — our CA team will review your case, prepare the appropriate response, and represent you through the process. You don't need to have filed with us previously to get our help.

After e-verification, refunds are typically processed within 15–45 days by the Income Tax Department. FinSpyne tracks your refund status and keeps you informed at every stage.

Yes. We handle belated and updated returns for previous assessment years. Our CA will assess your situation, calculate any applicable interest or penalty, and file your outstanding returns in the most tax-efficient way possible.

For salaried individuals — Form 16, salary slips, bank statements, and investment proofs. For business owners — books of accounts, GST returns, and bank statements. Our team sends you a complete checklist based on your income type.

Any business with an annual turnover exceeding ₹40 lakh (₹20 lakh for service providers) must register for GST. Registration is also mandatory for e-commerce sellers, businesses operating across states, and those making taxable supplies regardless of turnover.

Most regular taxpayers need to file GSTR-1 (sales details), GSTR-3B (monthly summary return), and GSTR-9 (annual return). The exact returns depend on your turnover and registration type. Our team manages all your GST filings proactively.

ITC reconciliation means matching the GST you paid on purchases against what your suppliers have filed in GSTR-2B. Mismatches mean you cannot claim that credit. FinSpyne conducts regular ITC reconciliation to ensure you claim every rupee you are entitled to.

Late filing attracts a late fee of ₹50 per day plus interest at 18% per annum on outstanding tax. Consistent non-filing can lead to cancellation of your GST registration. FinSpyne's proactive reminder system ensures this never happens.

Yes. Our GST experts handle show cause notices, departmental audits, and scrutiny assessments on your behalf. We prepare the required response, gather supporting documents, and represent your business through the entire process.

Contact us immediately. GST cancellation notices have strict response deadlines — typically 7 to 30 days. Our team will review the notice, file the required reply, and work to revoke the cancellation before it becomes final.

ROC compliance refers to the annual and event-based filings that every registered company must make with the Ministry of Corporate Affairs (MCA). Non-compliance leads to heavy penalties and director disqualification. FinSpyne manages the complete compliance calendar for your company.

Every Pvt Ltd company must file AOC-4 (annual accounts), MGT-7 (annual return), DIR-3 KYC (director KYC), and ADT-1 (auditor appointment) every year. FinSpyne handles all of these as part of our ROC compliance package.

With complete documents, FinSpyne typically completes company incorporation in 10–15 working days. The process involves name reservation, DIN and DSC for directors, MOA/AOA drafting, and filing with the MCA.

Every director holding a DIN must file DIR-3 KYC annually by 30th September. Failure results in deactivation of the DIN. FinSpyne tracks all director KYC deadlines and files them proactively.

MCA imposes additional fees of ₹100 per day per form for late filings with no upper cap. Prolonged non-compliance can result in the company being struck off the register and directors being disqualified. FinSpyne ensures no deadline is ever missed.

Yes. We handle the complete conversion process including drafting of conversion documents, MCA filings, GST and PAN amendments, and bank account transition. Our team advises on the most tax-efficient conversion structure for your business.

A manual register captures transactions but doesn't give you financial clarity. Professional accounting with proper P&L statements and balance sheets helps you make better business decisions, stay audit-ready, and access bank finance when needed.

Our monthly accounting service includes recording all transactions in Tally or your preferred software, bank reconciliation, GST-ready bookkeeping, monthly P&L statement, quarterly balance sheet, MIS reports, and year-end financial statements.

Yes — clients share documents via WhatsApp or email and we handle everything digitally. You receive monthly reports and can call your dedicated accountant anytime for updates.

Bookkeeping is the recording of daily financial transactions. Accounting goes further — it involves classifying, summarising, and analysing those records to produce financial statements, calculate tax liability, and provide business insights.

Yes. We work with Tally, Zoho Books, QuickBooks, and other accounting platforms. If you don't have software, we recommend and set up the right one for your business size and needs.

Clean, up-to-date books mean your ITR, GST annual return, and audit can be completed quickly and accurately with zero last-minute scrambling. Businesses with organised accounts also pay less tax because all legitimate expenses are properly recorded and claimed.

Yes. Beyond compliance, FinSpyne will help you plan your finances smartly — whether it's investing your surplus funds, planning for retirement, tax-saving investments, or building a long-term wealth strategy. Our financial planning services are designed to work hand-in-hand with your tax filing.

We will help identify the right investment avenues including Mutual Funds (SIP & lump sum), Fixed Deposits, PPF, NPS, ELSS (tax-saving funds), and other market-linked or debt instruments based on your income, risk appetite, and financial goals.

Absolutely. Our CA team identifies investment options under Section 80C, 80D, 80CCD, and other provisions that reduce your tax liability legally — and our financial planning team helps you make those investments in the most suitable instruments.

Yes — FinSpyne is expanding into insurance advisory. We will help individuals and businesses identify the right coverage — life insurance, health insurance, term plans, and business protection policies — based on your specific needs and financial situation.

Our insurance advisory covers: Term Life Insurance, Health Insurance (individual and family floater plans), Life Insurance (endowment/ULIP), Business Insurance, and NRI Insurance. We work with multiple providers to recommend the most suitable plan — not just the one with the highest commission.

Premiums paid for life insurance are deductible under Section 80C (up to ₹1.5 lakh). Health insurance premiums qualify under Section 80D — up to ₹25,000 for self and family, and an additional ₹25,000 for parents. Our CA team integrates your insurance premiums directly into your ITR to maximise deductions.

Yes. We will offer a complimentary insurance review — assessing whether your current coverage is adequate, whether you are over-insured or under-insured, and whether your policies are giving you the best tax benefits.

We are currently onboarding our financial planning and insurance advisory team across Sirsa, Punjab, and Delhi NCR. Contact us to register your interest and our team will reach out as soon as the service launches in your area.

We respond to all enquiries within one business day. For urgent matters, WhatsApp is the fastest channel — our team typically replies within a few minutes during working hours (Monday–Saturday, 9am–7pm).

Yes — completely free, no hidden conditions. Our free 30-minute consultation has no commitment required. We understand your requirements, explain what we can do, and give you a transparent quote — no pressure, no obligation.

No. The majority of our services are handled entirely online. In-person visits to our offices in Sirsa (Head Office), Punjab, or Delhi NCR are welcome but never required. We also serve clients across India remotely.

Absolutely. FinSpyne is headquartered in Sirsa, Haryana with teams across Punjab and Delhi NCR — and we serve clients pan-India remotely. We also handle NRI taxation and are building capabilities for cross-border accounting.

Once onboarded, we share a clear document checklist specific to your service. You can share files via WhatsApp, email, or our secure client portal. All documents are handled with strict confidentiality and professional data security protocols.

Our fees are flat and transparent — no hidden charges. We share a clear quote before starting any work. Payment can be made via bank transfer, UPI, or any major payment method. We do not charge any advance until you have reviewed and agreed to the scope of work.