Finvero GST & CFO Advisory

15/09/2025

Types of Business Loans & How to Get Them in Easy Steps!

Starting or expanding a business? Access to the right loan can give your growth the boost it needs. Here’s a quick guide:

🔹 Types of Business Loans:

Term Loan: Lump sum borrowed and repaid with interest over a fixed period. Ideal for expansion or buying equipment.

Working Capital Loan: Short-term loan to manage day-to-day operations like salaries, inventory, or rent.

Overdraft Facility: Withdraw more than your account balance when needed. Flexible cash flow support.

Invoice Financing: Borrow against unpaid invoices to maintain cash flow.

Business Line of Credit: Access funds up to a limit and pay interest only on what you use.

Equipment Financing: Specifically for buying machinery or tech. The asset often serves as collateral.

🔹 How to Get a Business Loan – Easy Steps:

Know Your Need: Decide why you need the loan and how much.

Check Eligibility: Banks & NBFCs have different criteria (turnover, profitability, credit score).

Prepare Documents: Financial statements, bank statements, GST, PAN, business plan.

Compare Offers: Look at interest rates, processing fees, tenure, and flexibility.

Apply & Get Approved: Submit your application; some loans are instant, others may take a few days.

Use Wisely & Repay on Time: Builds your credit and makes future loans easier.

✅ Tip: Start with loans you can repay comfortably and always keep future cash flow in mind.

💬 Question for followers: What type of business loan would help you grow your business today?

09/09/2025

Big News for Car Buyers!
With GST 2.0, prices of sedans, SUVs, and even luxury cars have dropped by ₹50,000 to ₹11 lakh. From Maruti to Mercedes, every brand is passing on the benefits.
At Finvero, we’ve broken down the new GST rates, the price cuts, and what this means for you.
📖 Read our full analysis below 👇

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GST 2.0: A Game-Changer for India’s Car Market
The automobile industry is one of the biggest beneficiaries of India’s new GST 2.0 reforms, effective 22 September 2025. By reducing slabs and removing cesses, the government has simplified taxation and delivered direct benefits to consumers.
This isn’t just a policy tweak—it’s a shift that could reignite demand for mid-size sedans, SUVs, and even luxury cars.
🔹 The New Tax Structure at a Glance
CategoryNew GST RateOld Rate (with cess)ImpactSmall Cars (4 m, >1500cc)40%~43–50%Price drop across popular SUVs and sedansLuxury Cars40%~50%Premium segment becomes more accessibleEVs5%5%No change, EVs continue enjoying lowest tax slab
🔹 Real-World Price Cuts
Major automakers have already announced revised prices:
BrandModels ImpactedPrice Cut (Max)Kia IndiaSonet, Seltos, Carens, Carnival₹48,000 – ₹4.49 lakhMG MotorAstor, Hector, GlosterUp to ₹4.48 lakhSkodaAcross lineupUp to ₹5.8 lakh (festive offer included)RenaultKwid, Triber, KigerUp to ₹96,400Tata MotorsTiago to Harrier/Safari₹65,000 – ₹1.55 lakhToyotaFortuner, Innova, Hycross₹65,000 – ₹3.49 lakhBMW2/3/5 Series, X SUVsUp to ₹8.9 lakhMercedes-BenzC, GLE, GLS, S-Class₹2.6 lakh – ₹11 lakh
🔹 What This Means for the Market
1️⃣ Festive Boost – Buyers who postponed purchases are now rushing back, creating strong demand in September–October.
2️⃣ Simplified Taxes – No more confusion of cess and multiple slabs. Two rates (18% & 40%) mean clarity for both buyers and manufacturers.
3️⃣ Balanced Growth – From entry-level hatchbacks to high-end luxury sedans, every segment stands to benefit.
💡 Finvero’s Take
At Finvero, we believe GST 2.0 is more than just a tax cut—it’s an economic catalyst.
For families, it makes upgrading to a bigger car easier.
For youth buyers, it brings entry-level sedans and compact SUVs within reach.
For luxury enthusiasts, it reduces the premium barrier.
In short: affordability meets aspiration. 🚀
👉 What do you think? Will GST 2.0 drive India’s next big auto boom, or will it just give a temporary festive push? Share your thoughts in the comments below.
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04/09/2025

04/09/2025

Welcome to Finvero GST & CFO Advisory 🌟

At Finvero, we believe every business — whether a startup or a growing enterprise — deserves strong financial guidance, compliance support, and strategic advice to achieve its true potential.

With a team of Chartered Accountants and Company Secretaries backed by 20+ years of experience, we specialize in:
✅ GST Consultation & Representation – Helping businesses stay compliant and representing them in front of authorities.
✅ Virtual CFO Services – Offering financial leadership and strategy without the cost of a full-time CFO.
✅ Project Finance Advisory – Assisting in planning, structuring, and securing finance for new or expansion projects.
✅ Startup Advisory & Incubation – Guiding entrepreneurs from idea stage to ex*****on with compliance, funding, and growth strategies.
✅ Compliance & Risk Management – Ensuring businesses are safe, future-ready, and audit-compliant.

💡 Why Finvero?
Because we go beyond just numbers. We act as partners in your growth — combining financial expertise with business insights so you can focus on running your company while we take care of compliance, finance, and strategy.

📞 Get in touch
Have a query on GST, finance, or scaling your business?
Reach out to us anytime — we’re here to simplify finance and help your business move forward.

👉 Stay tuned for regular updates, GST tips, finance insights, and success stories right here on our page!

Call now to connect with business.

24/01/2025

Company Description

CA Firm | Usharani & Associates

Tile : Audit Assistant

Contact : 9845811354

Role Description

This is a full-time Audit assistant role based in Bengaluru. The Audit Assistant will be responsible for day-to-day tasks related to account management, bookkeeping, budgeting, auditing services, and start-up assistance. The role also involves offering cost reduction advice, ERP implementation and tax compliances.

Qualification:

BCom, CA Final/Inter Candidate having 4+ years of experience in bookkeeping, Company audits, Bank audits and having Strong analytical and problem-solving skills, Excellent communication and interpersonal abilities, attention to detail and accuracy in work, ability to work effectively in a team environment and knowledge of accounting software.

Call now to connect with business.

02/01/2025

We are looking for a candidate for a CA firm who is CA final or CA inter dropped out, preferably having experience in stock audit for Banks, possess good technical skills and interpersonal skills. * Location Bangalore ** Contact : 9845811354

27/03/2020

RBI Governor Presser Highlights :

1. Repo rate reduced by 75 basis points to 4.4%
2. Rev repo reduced by 90 basis points to 4%
3. GDP growth for Q4 19-20 and FY 20-21 to be affected
4. Aggregate demand may weaken
5. Future outlook uncertain and negative
6. CRR reduced by 100 basis points to 3% for 1 year to release 1.37 lakh crores
7. Min daily CRR balance reduced from 90% - 80% till 30/06/2020
8. 3.74 lakh crore liquidity injected
9. 3 month moratorium on payment of instalments of Term Loan outstanding
10. Interest on WC facilities to be deferred by 3 months
11. Such deferment not to be considered for NPA
12. Revised DP calculations by reassessing WC cycle
13. All measures not to effect credit history
14. Total liquidity injection 3.4% of GDP

21/01/2020

Benefits of Outsourcing Accounting
Finance and accounting is a crucial part of any business organization. It is important to have all your finances and accounting organized in a meticulous and streamlined way. This is not something that is done just at the end of the year; rather, it should be a year-long operation that is done with utmost care and accuracy.

While many organizations choose to have in-house finance and accounting operations, this can be difficult to maintain in the long run. Some reasons for this are:

Frequent updates in compliance policies, accounting rules, and financial regulations
Increased operating costs for internal accounting teams due to recruitment, training, payroll, taxes, etc.
Inability to meet financial accounting deadlines due to the internal team operating in the same time zone
Outsourcing your finance and operating requirements to a professional company has many benefits, such as:

A company that specializes in providing finance and accounting outsourcing will always keep abreast of the latest in compliance policies, financial regulations, and accounting rules. The tracking and implementation of the latest policies and changes is done routinely as part of their job, which means that your business doesn’t have to worry about whether you’re up-to-date or not, because you will be!
You get the best of technological advances and software dedicated to your organization. These may sometimes be an investment that you don’t want to make because of its high cost, so when you outsource your finance and accounting services, you get to enjoy the benefits of these resources without having to pay anything extra.
When you outsource, you are getting access to the best financial minds dedicated to this field, so the quality of bookkeeping and accounting is much higher than if you were to hire them yourself.
Outsourcing also helps reduce costs considerably, as you no longer have to maintain an in-house accounting team (or you can downsize your in-house team which also cuts costs).
When you outsource, your accounting and financial solutions can be scaled up or down, according to your specific business requirements. This flexibility translates to even more cost effectiveness in the long run.
Professional outsourcing companies are stringent about quality, security, and confidentiality, so you can be sure that your financial data is even safer than it was before.
Outsourcing also gives you access to F&A resources 24x7. You get all the financial data you need within the timeframe that you need it, which means you can take business decisions faster and more efficiently.
You reduce the risk of any liabilities related to mistakes in payroll or income tax returns, which can attract heavy penalties. A professional finance and accounting company ensures that this never happens.
How to choose the right outsourcing partner

When deciding to outsource, it is important to choose a company that offers end-to-end finance and accounting services, which should include:

Bookkeeping
Accounts payable
Accounts receivables
Payroll processing
Tax preparation
Global accounting
The company should also have the highest quality, security, and compliance standards in place for client information privacy and data protection. Choosing a company like Vee Technologies means choosing a company that ticks all the right boxes. This ensures hassle-free, confidential, accurate, cost-effective, and time-bound finance and accounting outsourcing.

10/01/2020

GST- Ten Matters to keep in mind in 2020

1. E-invoice : New E-invoicing system is going to be implemented in GST which is mandatory from 1st April 2020 for taxpayers having an annual turnover exceeding Rs. 100 crore and then gradually to all B2B suppliers in the future. A mechanism for the continuous upload of revenue invoices on a real-time basis. This is the most remarkable change coming in Indian Book Keeping.

2. New IRP in GST: Invoice Registration Portal would be introduced this new year. IRP shall make an e-invoice of the invoices uploaded by the supplier. IRP shall send the e-invoice to the supplier and recipient. IRP shall send e-invoices data to GSTN portal

3. New Return: New simplified auto-mated GST returns would be implemented from 1st April 2020 for all taxpayers. This new returns system will increase compliance and reduce tax evasion to a larger extent.

4. Annexure 1 and Annexure 2: Anx-1 of Outward Supplies and Anx-2 of Inward Supplies will be the future base for filing of all GST Returns, thus these 2 reports will be the key for future reports of GST which will replace GSTR 1 and GSTR-2A.

5. Restriction on claim of ITC: With effect from 01/01/2020, ITC in respect of invoices or debit notes that are not reflected in taxpayer’s FORM GSTR-2A shall be restricted to 10 percent of the eligible ITC reflected in his FORM GSTR-2A. Earlier the restriction was 20%. A major change in ITC availment.

6. E-way Bill and GSTR-1: From 11th January, 2020 non-filing of GSTR-1 for two consecutive periods would block generation of E-way Bill. Thus, regular filing of GSTR-1 and GSTR-3B in year 2020 should go hand in hand.

7. Waiver of late fees for Non-filing of GSTR-1: If the taxpayer has failed to file GSTR-1 from July 2017 to November 2019, then the taxpayers can file such returns till 10 January, 2020 and the late fees for the same has been waived of. This will also affect GSTR-2A of the recipient to claim ITC.

8. GST Audit and Annual Return: The due date for filing GST Annual Return and Audit Report for F.Y. 2017-18 has been further extended to 31st January, 2020.The due date for filing GST Annual Return and Audit Report for F.Y 2018-19 has been extended to 31st March, 2020. For F.Y 2019-20 new format may be brought in because of inherent limitations in current forms.

9. DIN notices and E-scrutiny: Due to decline in collection of revenue from GST, large scale e-scrutiny and e-assessment notices with DIN for the returns from July 2017 may be taken up. It would be done in order to check significant deviations in returns.

10. GSTN Network is proposed to be reengineered for more taxpayer-centric services like reminder of return filing, status of refund, ITC matches and mismatches, etc