CA Pankaj Agrawal and Associates

Rajendra Nagar, Indore, Madhya Pradesh

We provide comprehensive professional services as Chartered Accountants, supporting individuals, professionals, startups, MSMEs, and corporates across accounting, auditing, taxation, and advisory functions. Our role is to act as a trusted financial and compliance partner, ensuring accuracy, transparency, and regulatory adherence while enabling informed decision-making.Our engagement begins with a clear understanding of the clients business model, financial structure, and statutory obligations. Based on this understanding, we deliver tailored solutions covering accounting and financial reporting, statutory and internal audits, income tax and GST compliance, tax planning, and advisory services. All services are rendered in strict compliance with applicable laws, accounting standards, auditing standards, and professional ethics prescribed by the ICAI.As Chartered Accountants, we focus not only on statutory compliance but also on strengthening financial discipline and internal control systems. Our advisory extends to business structuring, financial analysis, cash flow management, and regulatory preparedness, helping clients manage risks and plan for sustainable growth.We also provide representation and support in dealings with tax authorities, banks, and other regulatory bodies, ensuring that client positions are legally sound, well-documented, and professionally presented. Consistency between books of accounts, statutory filings, and financial disclosures is a key area of emphasis to minimize future disputes and compliance issues.Our services are suitable for clients seeking reliability, confidentiality, and long-term professional association. Independence, objectivity, and integrity form the foundation of our practice, with a strong focus on practical, implementable solutions rather than theoretical advice.Our objective as Chartered Accountants is to deliver value beyond compliance by combining technical expertise with strategic insight, enabling clients to operate with confidence, credibility, and financial clarity in an evolving regulatory environment.

We provide comprehensive professional services as Chartered Accountants, supporting individuals, professionals, startups, MSMEs, and corporates across accounting, auditing, taxation, and advisory functions. Our role is to act as a trusted financial and compliance partner, ensuring accuracy, transparency, and regulatory adherence while enabling informed decision-making.Our engagement begins with a clear understanding of the clients business model, financial structure, and statutory obligations. Based on this understanding, we deliver tailored solutions covering accounting and financial reporting, statutory and internal audits, income tax and GST compliance, tax planning, and advisory services. All services are rendered in strict compliance with applicable laws, accounting standards, auditing standards, and professional ethics prescribed by the ICAI.As Chartered Accountants, we focus not only on statutory compliance but also on strengthening financial discipline and internal control systems. Our advisory extends to business structuring, financial analysis, cash flow management, and regulatory preparedness, helping clients manage risks and plan for sustainable growth.We also provide representation and support in dealings with tax authorities, banks, and other regulatory bodies, ensuring that client positions are legally sound, well-documented, and professionally presented. Consistency between books of accounts, statutory filings, and financial disclosures is a key area of emphasis to minimize future disputes and compliance issues.Our services are suitable for clients seeking reliability, confidentiality, and long-term professional association. Independence, objectivity, and integrity form the foundation of our practice, with a strong focus on practical, implementable solutions rather than theoretical advice.Our objective as Chartered Accountants is to deliver value beyond compliance by combining technical expertise with strategic insight, enabling clients to operate with confidence, credibility, and financial clarity in an evolving regulatory environment.

We provide comprehensive Income Tax consultancy services to individuals, professionals, startups, MSMEs, and corporates, offering end-to-end support across advisory, compliance, and representation. Our role as an Income Tax Consultant is to ensure that tax matters are handled accurately, lawfully, and strategically, in line with the latest provisions of the Income-tax Act, 1961, rules, circulars, and judicial precedents.Our services begin with a thorough understanding of the clients income structure, business model, financial transactions, and long-term objectives. Based on this understanding, we provide practical and compliant tax advice covering income computation, deductions, exemptions, capital gains, business taxation, and advance tax planning. The focus remains on substance-driven advisory that withstands scrutiny rather than aggressive or short-term tax positions.We assist in preparation and filing of income tax returns, ensuring correct disclosures, reconciliation with books of accounts, GST returns, TDS data, and other statutory records. Special attention is given to reporting requirements for high-value transactions, foreign income or assets, and complex tax positions to minimize the risk of future notices or adjustments. As Income Tax Consultants, we also provide professional support in handling income tax notices, scrutiny assessments, rectification proceedings, and appellate matters. We represent clients before tax authorities and assist in drafting replies, submissions, and supporting documentation with a clear legal and factual basis.

We provide professional GST Return Filing services to businesses, professionals, and registered taxpayers, ensuring timely compliance and accurate reporting under the Goods and Services Tax law. Our services are designed to minimize errors, prevent mismatches, and reduce the risk of interest, penalties, and departmental notices.The return filing process begins with a detailed review of sales, purchases, and expense data to ensure correct classification of supplies, applicable tax rates, and place of supply. We verify the accuracy of outward supply details and inward supply credits before preparation of returns, ensuring that all transactions are reported in line with statutory provisions and recent amendments.We handle preparation and filing of all applicable GST returns, including GSTR-1, GSTR-3B, and other periodic or annual returns as required. Regular reconciliation is carried out between books of accounts, GST returns, and auto-populated data to identify mismatches in turnover or Input Tax Credit at an early stage and to take corrective action within permissible timelines.Special emphasis is placed on Input Tax Credit verification to ensure compliance with eligibility conditions, vendor compliance, and matching requirements. We also monitor e-invoicing and e-way bill compliance to maintain consistency across statutory systems.Our GST return filing services include support for late filings, amendments, corrections, and assistance in responding to system-generated intimations and departmental communications related to return discrepancies. The entire process is documentation-driven and aligned with professional and ethical standards.Our objective is to ensure that GST return filing remains a smooth, routine compliance function, providing businesses with confidence, transparency, and protection from future regulatory complications.

We provide end-to-end Tax Filing services to individuals, professionals, firms, companies, and other entities, ensuring accurate preparation and timely filing of income tax returns in strict compliance with the Income-tax Act, 1961 and the latest applicable rules. Our services are designed to minimize errors, avoid notices, and ensure consistency across financial and statutory records.The tax filing process begins with a detailed review of income sources, financial statements, investments, and statutory disclosures. Proper classification of income under the appropriate heads is ensured, along with correct computation of taxable income, set-off and carry forward of losses, and application of eligible deductions and exemptions. Special attention is given to disclosure requirements relating to capital gains, foreign income or assets, and high-value transactions.For businesses and professionals, tax filing is aligned with audited financial statements, GST returns, TDS/TCS data, and other statutory filings to ensure complete reconciliation and accuracy. Advance tax, self-assessment tax, and interest computations are carefully reviewed to avoid future adjustments and penalties.We also provide support for revised returns, belated returns, and rectification filings, as well as assistance in responding to income tax intimations and notices arising out of return processing. The entire process is documentation-driven and carried out with a compliance-first approach. Our Tax Filing services are suitable for salaried individuals, professionals, startups, MSMEs, and corporates seeking reliability, confidentiality, and professional accountability. The objective is to ensure that tax filing remains a smooth, error-free statutory obligation rather than a source of regulatory concern.

We provide professional Tax Planning services designed to lawfully optimize tax liability while ensuring full compliance with the Income-tax Act, 1961 and applicable rules. Our approach to tax planning is strategic and forward-looking, focusing on long-term financial efficiency rather than short-term tax savings that may create future litigation risk.The tax planning process begins with a detailed evaluation of income streams, business structure, investments, and existing tax positions. Based on this analysis, suitable planning opportunities are identified within the framework of law, judicial precedents, and recent amendments. Special care is taken to align tax planning with actual cash flows, business objectives, and risk appetite.For individuals and professionals, tax planning covers salary structuring, capital gains planning, investment advisory under eligible sections, and optimization of deductions and exemptions. For businesses, the advisory extends to choice of entity, profit distribution strategies, depreciation planning, incentive and deduction analysis, and advance tax management. We also provide proactive planning for high-value transactions such as sale of property or business, restructuring, succession, and inter-generational transfers. Wherever applicable, the impact of GST, TDS/TCS, and other allied laws is also considered to ensure holistic tax efficiency.

We provide professional Internal Audit services designed to support management in strengthening internal controls, improving operational efficiency, and enhancing governance standards. Our internal audit approach is risk-based, process-oriented, and aligned with the Standards on Internal Audit and the broader framework of corporate governance.The engagement begins with an in-depth understanding of the organizations business model, operating environment, and risk landscape. Based on this assessment, internal audit plans are developed to focus on critical risk areas, key processes, and control mechanisms that have a direct impact on financial reporting, compliance, and operational performance.Our internal audit covers evaluation of systems, policies, and procedures across functions such as finance, procurement, inventory, sales, statutory compliance, and information systems. We test the adequacy and effectiveness of internal controls, identify gaps and inefficiencies, and assess compliance with applicable laws, internal policies, and management directives.The internal audit process emphasizes practical and implementable recommendations rather than theoretical observations. Reports are structured to clearly highlight risk implications, root causes, and corrective actions, enabling management to take informed and timely decisions. Periodic follow-up reviews may also be conducted to assess implementation status and control improvements.These services are suitable for corporates, MSMEs, startups, and organizations seeking stronger governance, improved accountability, and preparedness for statutory audit, bank audits, or due diligence exercises. Throughout the engagement, professional independence, confidentiality, and ethical standards are strictly maintained.Our Internal Audit services are intended not merely as a compliance tool, but as a management support function that adds value by improving processes, mitigating risks, and supporting sustainable organizational growth.

We provide specialized International Taxation services to individuals, startups, corporates, and multinational enterprises engaged in cross-border transactions. Our advisory is focused on ensuring compliance with Indian income-tax laws, Double Taxation Avoidance Agreements (DTAA), transfer pricing regulations, and applicable foreign tax provisions, while lawfully optimizing the global tax position.Our engagement begins with a detailed understanding of cross-border business structures, transaction flows, and residential status implications. We advise on taxability of international transactions involving import and export of goods and services, foreign remittances, royalties, fees for technical services, interest, dividends, and capital gains, ensuring correct interpretation of domestic law and treaty provisions.We assist in DTAA analysis and application, including determination of tax residency, permanent establishment exposure, beneficial ownership, and withholding tax rates. Comprehensive support is provided for computation and compliance of withholding taxes, preparation of Form 15CA and Form 15CB, and advisory on foreign remittances under FEMA and RBI guidelines.Our International Taxation services also cover transfer pricing advisory and compliance, including analysis of international and specified domestic transactions, benchmarking studies, and preparation of transfer pricing documentation as per Indian regulations. Where required, we provide support in handling scrutiny assessments, audits, and appellate proceedings related to international tax matters.The services are suitable for Indian companies dealing with overseas customers or vendors, foreign companies operating in India, startups receiving foreign investments, and individuals with foreign income or assets. Throughout the advisory process, strict adherence to ICAI ethical standards and evolving judicial precedents is maintained. Our International Taxation services aim to ensure that cross-border transactions are compliant, tax-efficient, and structured to withstand regulatory scrutiny, enabling clients to operate confidently in the global business environment.

We provide professional Firm Registration Services across India, offering end-to-end legal, tax, and regulatory support for Partnership Firms and Proprietorship Firms. Our Chartered Accountantled practice ensures accurate registration, statutory compliance, and tax-efficient business structuring in accordance with applicable Indian laws.If you are searching for Firm Registration Services in India, Partnership Firm Registration Consultant, or CA for Firm Registration, we deliver reliable, transparent, and time-bound solutions nationwide.Our Firm Registration Services Include: Partnership Firm Registration in India Proprietorship Firm Registration Drafting & Registration of Partnership Deed GST Registration (All India) PAN & TAN Registration MSME / Udyam Registration Current Account Opening Assistance Statutory & Regulatory Compliance Support Ongoing Accounting, Tax & Advisory Services Why Choose Us for Firm Registration in India: Practising Chartered Accountant with PAN-India service capability Strong expertise in Income Tax, GST & Business Laws Error-free documentation with compliance validation Transparent pricing with professional accountability Time-bound execution with end-to-end support Advisory-driven approach for long-term tax efficiency & compliance We assist startups, traders, professionals, service providers, and small businesses across India in selecting the right business structure, completing firm registrations smoothly, and maintaining ongoing statutory compliance. Our focus is on preventing future disputes, penalties, and restructuring costs through correct registration at the outset.Service Coverage: All Over India (PAN-India) Consult a Chartered Accountant for Firm Registration Today

We provide comprehensive GST Compliance services to businesses, professionals, and corporates, ensuring timely, accurate, and legally compliant adherence to the provisions of the Goods and Services Tax law. Our approach focuses on minimizing compliance risk, avoiding interest and penalties, and maintaining consistency between books of accounts and GST returns.The compliance process begins with a detailed review of the nature of business, transaction flow, and applicable GST provisions. We ensure correct classification of supplies, appropriate tax rates, and proper identification of place of supply, thereby reducing exposure to future disputes and notices. Special attention is given to eligibility and optimization of Input Tax Credit in line with statutory conditions and recent amendments.We handle end-to-end preparation and filing of GST returns, including GSTR-1, GSTR-3B, and other applicable returns, ensuring strict adherence to statutory timelines. Periodic reconciliation of sales, purchases, and Input Tax Credit is carried out between books of accounts, GST returns, and vendor data to identify mismatches at an early stage and take corrective action.Our services also include GST compliance health checks, review of e-invoicing and e-way bill compliance, and support in responding to departmental notices, audits, and assessments. Wherever required, corrective filings and advisory support are provided to regularize past non-compliances and mitigate litigation risk.The GST compliance services are suitable for regular taxpayers, composition dealers, startups, MSMEs, and growing enterprises. Throughout the engagement, we follow a documentation-driven, law-based approach with strict adherence to professional ethics. Our GST Compliance services are designed to ensure that GST remains a routine statutory function rather than a regulatory risk, enabling businesses to focus on operations with confidence and compliance certainty.

We provide independent, high-quality audit and assurance services designed to enhance financial transparency, strengthen internal controls, and ensure full compliance with applicable laws and standards. Our audit approach is risk-based, system-driven, and aligned with the latest Standards on Auditing (SAs), ensuring value addition beyond statutory compliance.Our Audit Services Include:1. Statutory Audit Audit under the Companies Act, 2013 Compliance with Indian Accounting Standards (Ind AS) / Accounting Standards True & fair view assurance with detailed audit reporting 2. Tax Audit Audit under Section 44AB of the Income-tax Act, 1961 Clause-wise verification and reporting Reconciliation with GST, TDS, and financial statements 3. Internal Audit Process and control evaluation Risk assessment and mitigation Operational efficiency and governance review 4. GST Audit & Compliance Review GST reconciliation (GSTR-1, GSTR-3B, books of accounts) Input Tax Credit verification and advisory GST health check and risk assessment 5. Bank Audit & Special Audits Concurrent audit, stock audit, and revenue audit Due diligence and forensic support Certification and lender-specific audit requirements Our Audit Methodology Planning-based and risk-oriented audit execution Use of analytical procedures and data-driven checks Strict adherence to ICAI ethical standards and independence norms Practical, implementable observations with management insights Why Choose Our Audit Services Deep technical expertise in audit and regulatory framework Strong focus on compliance, controls, and risk management

We offer Internal Stock Audit services exclusively for management, aimed at strengthening inventory controls, eliminating leakages, and improving working capital efficiency. Unlike bank-mandated audits, our internal stock audits are management-driven, diagnostic, and improvement-oriented, providing actionable insights for operational and strategic decision-making.Objectives of Internal Stock Audit Ensure accuracy and reliability of inventory records Identify pilferage, wastage, and process inefficiencies Improve inventory turnover and cash flow management Support management with data-backed control mechanisms Scope of Internal Stock Audit Services1. Physical Verification & Process Review Surprise and periodic physical stock verification Review of inward, storage, and outward processes Evaluation of segregation of duties and authorization controls 2. Inventory Reconciliation & Analysis Reconciliation of physical stock with ERP/books Identification of shortages, excesses, and variances Root cause analysis and responsibility mapping 3. Valuation & Classification Review Review of inventory valuation policies Identification of slow-moving, non-moving, obsolete stock Assessment of provisioning and write-off adequacy 4. System & Control Evaluation Review of ERP / inventory software controls Testing of access controls and makerchecker mechanism Evaluation of MIS accuracy and timeliness 5. Management Reporting & Recommendations Detailed internal stock audit report Practical, implementable recommendations Periodic dashboards for inventory KPIs Key Advantages for Management Early detection of inventory-related risks Reduced working capital blockage Improved accountability across departments Stronger internal control environment Ideal for Manufacturing units, traders, and distributors Multi-location warehouses and branches Growing businesses preparing for bank funding, audit, or due diligence Our internal stock audit helps management move from reactive correction to proactive control, ensuring inventory remains a strategic asset rather than a hidden risk. If you wish, I can further customize this content for proposal documents, SOP manuals, or executive presentations, aligned with Indore-based business requirements and professional practice standards.

We provide professional Statutory Audit services in strict accordance with the Companies Act, 2013, applicable Rules, Indian Accounting Standards (Ind AS) / Accounting Standards, and the Standards on Auditing (SAs) issued by the ICAI. Our objective is to express an independent opinion on the true and fair view of the financial statements, while ensuring robust compliance and governance.Scope of Statutory Audit Services1. Audit Planning & Risk Assessment Understanding of business model and industry risks Identification of significant audit areas and internal controls Audit strategy aligned with regulatory requirements 2. Verification of Financial Statements Audit of Balance Sheet, Statement of Profit & Loss, and Cash Flow Statement Verification of accounting policies and estimates Compliance with Ind AS / AS and Schedule III 3. Internal Financial Controls (IFC) Review Evaluation of internal financial controls over financial reporting Identification of control gaps and improvement areas Reporting as per Section 143(3)(i) of the Companies Act, 2013 4. Statutory Compliance & Reporting Compliance with Companies Act, 2013 and other applicable laws CARO reporting (where applicable) Audit reports, annexures, and management representation review 5. Governance & Management Interaction Discussion of audit observations with management Practical recommendations for system strengthening Support during board and stakeholder discussions Our Statutory Audit Approach Independent, ethical, and professionally skeptical Risk-based and documentation-driven methodology Zero compromise on ICAI ethical standards and independence Focus on value addition without dilution of audit objectivity Who Can Avail Our Statutory Audit Services Private Limited Companies Public Limited Companies Section 8 (Non-Profit) Companies LLPs and other entities subject to statutory audit Our statutory audit services ensure regulatory confidence, stakeholder trust, and financial credibility, enabling businesses to operate with transparency and governance discipline.

Our Startup Project Finance Services Cover:1. End-to-End Project Finance Advisory Manufacturing, trading, and service-sector startups Greenfield and expansion projects Capital-intensive and technology-driven business models 2. Detailed Project Report (DPR) Preparation Techno-economic feasibility study Cost of project & means of finance Projected P&L, Balance Sheet & Cash Flow DSCR, IRR, BEP, and sensitivity analysis 3. Bank & NBFC Loan Facilitation Term loan for plant & machinery Working capital linkage with project size Startup loans under MSME / CGTMSE / government-linked schemes Liaison with banks and financial institutions 4. Financial Structuring & Eligibility Optimization Capital structuring (Promoter contribution vs debt) Interest cost and repayment optimization Compliance alignment with banking norms 5. Pre & Post-Sanction Support Bank appraisal coordination Sanction letter review Disbursement and documentation assistance Ongoing compliance and renewal support Why Our Startup Project Finance Stands Out Startup-focused approach, not generic lending Strong understanding of banker appraisal mindset Robust financial modeling with realistic assumptions High success rate in first-time loan sanctions Whether you are planning your first project, scaling operations, or seeking institutional funding, we ensure your startup is financially viable, compliant, and fundable.

Our Loan Advisory Services Include:1. Home Loan Consultancy New home purchase, construction, and plot purchase loans Balance transfer and top-up loans Interest rate optimization and tenure planning Complete assistance from eligibility assessment to disbursement 2. Car / Vehicle Loan Consultancy New and used car loans Competitive interest rate comparison Faster approvals with minimal documentation 3. Business Loan Consultancy MSME and SME business loans Working capital term loans Startup and expansion funding Loan structuring based on cash flows and financial statements 4. Cash Credit (CC) Limit Consultancy CC limit sanction and enhancement CMA data preparation Banking compliance and renewal support Stock and book-debt based funding advisory 5. Overdraft (OD) Limit Consultancy OD against property, FD, and business turnover Limit restructuring and interest cost rationalization Support for both secured and unsecured OD facilities Why Choose Our Consultancy? Strategic financial analysis for higher eligibility Strong documentation and banker-ready proposals Transparent guidance with compliance-driven approach Personalized solutions aligned with long-term financial goals Whether you are an individual planning a major purchase or a business seeking optimized working capital, our consultancy ensures structured funding with professional precision.

Pankaj Agrawal & Associates provides professional Firm Registration services across India, including Indore. We assist clients in the registration and constitution of business entities in accordance with applicable laws and regulatory requirements.Our firm offers end-to-end support for: Proprietorship Firm Registration Partnership Firm Registration Limited Liability Partnership (LLP) Registration Private Limited Company Registration We handle documentation, statutory filings, and procedural compliances under the Income Tax Act, Partnership Act, Companies Act, and LLP Act, ensuring accuracy, timeliness, and regulatory compliance. Our approach is structured, transparent, and aligned with the professional and ethical standards prescribed by ICAI.Service Coverage: All India (including Indore) Head Office: Indore, Madhya Pradesh

We provide professional LLP Registration Services across India, offering end-to-end legal, tax, and compliance support for Limited Liability Partnership (LLP) incorporation under the Limited Liability Partnership Act, 2008 and MCA regulations. Our Chartered Accountantled firm ensures accurate registration, tax-efficient structuring, and long-term statutory compliance.If you are searching for LLP Registration Services in India, LLP Incorporation Consultant, or CA for LLP Registration, we deliver reliable, transparent, and time-bound solutions on a PAN-India basis.Our LLP Registration Services Include: Limited Liability Partnership (LLP) Registration DIN & DSC Registration for Partners LLP Name Approval (MCA) Drafting & Filing of LLP Agreement PAN & TAN Registration GST Registration for LLP MSME / Udyam Registration Current Account Opening Assistance Post-Incorporation Compliance & ROC Filings Ongoing Accounting, Tax & Advisory Services Why Choose Us for LLP Registration in India: Practising Chartered Accountant with PAN-India service capability Strong expertise in LLP Law, Income Tax & GST 100% MCA-compliant documentation with zero-error approach Transparent pricing with professional accountability Timely approvals and complete end-to-end support Strategic advisory for tax planning and future scalability LLP is an ideal structure for professionals, startups, consultants, and growing businesses seeking limited liability with operational flexibility. We assist clients in selecting the right ownership and profit-sharing structure, ensuring compliance from day one and avoiding future penalties or restructuring costs. Service Coverage: All Over India (PAN-India)