K-Finance — finance operations software for Indian SMEs
A finance operations workspace for Indian SMEs: books, GST, TDS, payroll, treasury, imports and a daily task view in one system.
Beta. This product is in active development with early users. Features change frequently; tell us what your team needs.
Who it is for
Finance controllers, accountants and owner-managers of Indian SMEs; finance professionals running several client organisations.
Features
Screens from Aarav Infra Projects, one of our demo companies, on our staging server. Every name, number and email address in them is made up.
Cash in the bank, receipts expected and bills due today, read from your own books each morning.
Overdue receivables: sales invoices past their due date, added up.
Shortcuts to collect from the customers who are late, or to pay this week’s bills.
Recommended priorities, largest overdue customers first. Each one can go to your To-Do.
My Day: what needs you this morning
Cash in the bank, receipts and bills due today, late customers and the next filing date, read from your books each morning, with who to collect from and what to pay first.
Total outstanding, falling due in 7 days, overdue and over 90 days, at a glance.
Promises customers made to pay, and how many were kept or broken.
Ageing by customer, by due date or by invoice date.
Record a receipt and allocate it to the customer’s open invoices.
Receivables with ageing and promises
What every customer owes and how late it is, by ageing bucket, with promises to pay, a follow-up queue and each customer’s average days to pay. Record a receipt or build an invoice from the same page.
MSME bills past the 45-day limit or due within 7 days, and the interest under section 16.
Ageing by vendor, by due date.
Payment batches go for approval and make an advice file you upload to your bank. K-Finance never moves money.
Payment readiness: each open bill checked and marked ready, with a warning, or blocked.
Payables and the MSME 45-day limit
What you owe each vendor, which bills fall due this week and which MSME suppliers are near the 45-day limit. Payment batches go for approval and give an advice file you upload to your bank yourself; K-Finance never moves money.
Forecast for 7 days, 30 days, 13 weeks or 12 months.
Today’s opening balance, receipts and payments expected, and the closing balance with its lowest point.
Projected closing balance, week by week.
Each figure says how sure it is: confirmed, probable or estimated.
Cash flow forecast
Where the bank balance is heading over the next 7 days to 12 months, built from today’s balance, customer invoices and promises, vendor bills and planned lines, with how sure each figure is.
From the books, or from an uploaded trial balance.
Any date range, with monthly columns if you want them.
Management view or the Schedule III layout.
Export to CSV for Excel, or print.
Statements from the books
Profit and loss, balance sheet, cash flow, trial balance and day book from the posted vouchers, in a management view or in the Schedule III layout, with CSV and print.
Headline figures against last month and last year, each naming its source.
Each insight: the issue, its impact in rupees and a recommended action.
Pick the month. MIS and budgets are one click away.
CFO insights
The month’s headline figures against the month before (revenue, margins, EBITDA, cash, working capital, debtor and creditor days) and insights that say what changed, what it cost and what to do. Every insight on the CFO plan; the Business plan shows the top three.
A receipt allocated to the open bills
Record receipt takes the customer, the amount, the mode and UTR and your bank account, then shows the open invoices and RA bills it can settle, or allocates automatically, oldest due first. A 9-second clip from the demo world; it stops before Record.
GST returns, prepared from the books
GSTR-1 and the GSTR-3B working for each GSTIN and month, from your invoices and the books, with due and filed dates, the cash to pay after input credit and the issues to fix before upload. Nothing is filed from here: you download the JSON and file on the GST portal.
TDS deductions and deposits
Deductions party by party, what is still to deposit and the interest if paid today, challans allocated to deductions, and the quarterly statements coming up, each with a button to put it on the to-do list.
Bank statements matched to the books
Import the statement your net banking exports. Each line is matched to receipts, payments and vouchers in the books with a score; accept the sure matches and create or ignore the rest. Nothing is posted by itself.
Bank guarantees, EMDs and FDs
Every guarantee, EMD and FD with its beneficiary, expiry, claim period and margin blocked, against your bank facilities. What expires soon is flagged, so nothing lapses unnoticed.
Compliance calendar
GST, TDS, PF, ESIC, income tax and MCA due dates for each registration on one calendar, generated from the statutory rules your team verified, with what is overdue, due this week and filed.
Deduction tracking, challan and return workflows, Form 16 consolidation, mapping to the Income-tax Act 2025 section codes.
Payroll
Payroll runs with statutory deductions.
Treasury, banking & cash
Bank statement review and coding, reconciliation with evidence, receivables and cash positions.
Imports, exports & FX
Multi-currency transactions and import/export remittance tracking for FEMA timelines.
Orders, inventory & projects
Orders and settlements, inventory, project costing and tender tracking.
My Day
A daily task list across all of the above, plus Microsoft 365 and Google integrations.
Data exit
Export your organisation's data at any time — no lock-in.
Data handling. Each client is a separate organisation with its own team; members of one organisation cannot see another's data.
Works with
K-Projects: approved contractor bills, goods received, site expenses and paid payment-sheet lines arrive every 15 minutes and wait in the review queue.
K-Logistics: sales invoices and purchase bills with credit days, and payments, arrive in the same review queue.
K-Tender: receivables and bank guarantees are pulled from K-Tender with a key for your workspace.
Tally: the Tally connector, a script on the Tally PC, reads masters and the Day Book into the Migration Center. It never writes to Tally.
Every app and five bundles (CS Firm, Contractor, Construction suite, Business suite and Khanal One) now have published monthly prices; yearly is 10 times the monthly price. With the code FOUNDING26, the first 50 paying organisations of each product that sign up by 31 March 2027 pay half the list price for 12 months, then 75% for the next 12 months. Paid plans start with a 14-day free trial and no card. Prices exclude GST. Payments for apps other than K-MailSign open at launch.
hr.khanals.in keeps employee records, attendance with location at check-in and check-out (read only at that moment and only with the employee's consent), shifts, holidays, leave and comp-off, and statutory records: PF, ESIC, PT, LWF and gratuity, with a compliance calendar. The month's attendance and leave go to K-Finance payroll for review; K-Finance works out the pay. K-HR is part of the Business suite and Khanal One.
After a K-Finance owner or admin makes a link token, K-Projects sends approved contractor bills (with GST, TDS 194C, retention and advance recovery), goods received, site expenses and paid payment-sheet lines, and K-Logistics sends invoices with credit days and payments. They arrive every 15 minutes and wait in K-Finance's review queue; nothing reaches the books until a person accepts it.
10 companies, 5 users, 50 GST and 10 MCA look-ups a month
List price ₹2,999₹1,499a month
₹14,990 a yearList ₹29,990
CFO
30 companies, 20 users, 150 GST and 30 MCA look-ups a month
List price ₹9,999₹4,999a month
₹49,990 a yearList ₹99,990
Enterprise
More companies, users and look-ups, agreed with you
On request
On request
Every plan has books with an edit log, GST and TDS work, payroll, treasury, imports and exports, the daily task view and connected storage. Nothing is sold on top of a plan. Founding price with the code FOUNDING26 for the first 12 months, for organisations that sign up by 31 March 2027 (first 50 per product); then 75% of list in months 13 to 24, then list. Yearly = 10 × monthly, for 12 months. Prices exclude GST. Trial: start on the Free plan, with no time limit; a trial of a paid plan is set up on request; no card needed. Payments open at launch; start a free trial now. All apps, bundles and the offer: pricing.
Questions
Does K-Finance replace my accounting software?
K-Finance is a finance operations workspace: books with an edit log, GST and TDS workflows, payroll, treasury, imports/exports and a daily task view. It is in beta; whether it replaces your current books depends on what your organisation needs, and you can export your data at any time.
Does it handle multiple GSTINs and branches?
Yes. Multi-GSTIN and branch (ISD) ledgers and inter-unit inventory movements are part of the GST module, which is designed for companies registered in several states.
How does it deal with the Income-tax Act 2025 TDS codes?
The TDS module maps deductions to the Income-tax Act 2025 section codes alongside the old 1961 sections, the same mapping used in the free TDS code finder on this site.
Where is my data stored and who can see it?
On servers in India. Each client is a separate organisation with its own team; members of one organisation cannot see another's data. You can export your organisation's data at any time.
What does it cost?
At the Founding price: Finance Pro ₹349 a month (list ₹699), Business ₹1,499 a month (list ₹2,999), CFO ₹4,999 a month (list ₹9,999). The Free plan costs nothing. Enterprise: on request. Yearly is 10 × monthly. Prices exclude GST. Trial: start on the Free plan, with no time limit; a trial of a paid plan is set up on request; no card needed.
