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CA Manav M.
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August 8, 2025
๐Œ๐ข๐ฌ๐ฌ๐ข๐ง๐  ๐“๐ก๐ž๐ฌ๐ž ๐๐ž๐ง๐ž๐Ÿ๐ข๐ญ๐ฌ? ๐˜๐จ๐ฎ๐ซ ๐’๐ญ๐š๐ซ๐ญ๐ฎ๐ฉ ๐Œ๐ข๐ ๐ก๐ญ ๐๐ž ๐‹๐ž๐š๐ค๐ข๐ง๐  ๐‚๐š๐ฌ๐ก ๐Ÿ’” And itโ€™s not because of bad products or poor marketing. Itโ€™s because theyโ€™re missing out on benefits that are rightfully theirs. ๐‹๐ž๐ญ ๐ฆ๐ž ๐ž๐ฑ๐ฉ๐ฅ๐š๐ข๐ง. ๐Ÿ‘‡ ๐˜๐จ๐ฎโ€™๐ซ๐ž ๐›๐ฎ๐ข๐ฅ๐๐ข๐ง๐ . ๐‡๐ฎ๐ฌ๐ญ๐ฅ๐ข๐ง๐ . ๐…๐ฎ๐ง๐๐ซ๐š๐ข๐ฌ๐ข๐ง๐ . ๐’๐œ๐š๐ฅ๐ข๐ง๐ . But in the middle of all this, โœ… You miss claiming government subsidies โœ… You skip R&D benefits โœ… You overlook state-level startup incentives โœ… You donโ€™t register under DPIIT (Startup India) โœ… You pay full GST or PF when you could claim exemptions โœ… You donโ€™t even know thereโ€™s a Seed Fund Scheme waiting for you REALITY CHECK ๐Ÿงพ Startups are losing anywhere between โ‚น3-20 lakhs in the early stages โ€” just because they never claimed what they qualified for. Thatโ€™s your burn rate going unnecessarily up. Thatโ€™s your runway getting shorter. โธป ๐‡๐ž๐ซ๐ž ๐š๐ซ๐ž ๐š ๐Ÿ๐ž๐ฐ ๐›๐ž๐ง๐ž๐Ÿ๐ข๐ญ๐ฌ ๐ฌ๐ญ๐š๐ซ๐ญ๐ฎ๐ฉ๐ฌ ๐œ๐จ๐ฆ๐ฆ๐จ๐ง๐ฅ๐ฒ ๐ฆ๐ข๐ฌ๐ฌ: ๐Ÿ’ฐ Startup India Seed Fund Scheme โ€“ Up to โ‚น20 Lakhs for idea validation ๐Ÿ’ธ Income Tax Holiday (Section 80-IAC) โ€“ 3 years of tax exemption ๐Ÿ“Š Reduced Patent Filing Fees โ€“ Up to 80% off ๐Ÿ‘ท EPFO benefits under PMRPY โ€“ Govt pays the employer contribution ๐Ÿข MSME registration benefits โ€“ Cheaper credit, easier tenders ๐Ÿš€ State-level subsidies โ€“ Like capital subsidies, electricity rebates, etc. โธป โœจ Imagine reinvesting that saved money in product, team, or growth. โœจ Imagine being strategically lean, not just cost-cutting. ๐Ÿ‘‰ If youโ€™re a startup founder, and youโ€™ve not had a compliance+benefit audit yet โ€” itโ€™s time. Your competition is not just outranking you in marketing. Theyโ€™re out-saving you in operations. ๐‹๐ž๐ญโ€™๐ฌ ๐œ๐ก๐š๐ง๐ ๐ž ๐ญ๐ก๐š๐ญ. ๐Ÿ’ผ #StartupIndia #Founders #StartupFunding #StartupTips #DPIIT #Subsidies #StartupGrowth #ComplianceHacks #CFOsOfStartups #StartupEcosystem #EaseOfDoingBusiness #GovernmentSchemes
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August 8, 2025
๐“๐ก๐ž ๐Œ๐จ๐ฌ๐ญ ๐Ž๐ฏ๐ž๐ซ๐ฅ๐จ๐จ๐ค๐ž๐ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐Œ๐ข๐ฌ๐ญ๐š๐ค๐ž๐ฌ ๐’๐ญ๐š๐ซ๐ญ๐ฎ๐ฉ๐ฌ ๐Œ๐š๐ค๐ž ๐ข๐ง ๐“๐ก๐ž๐ข๐ซ ๐…๐ข๐ซ๐ฌ๐ญ ๐˜๐ž๐š๐ซ Starting up is exciting, but many founders ignore the financial and compliance basics that later cost them heavily. Some of the most common mistakes include: ๐Œ๐ข๐ฑ๐ข๐ง๐  ๐ฉ๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ ๐š๐ง๐ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž๐ฌ โ€“ no separate bank account leads to messy records and tax confusion. ๐ˆ๐ ๐ง๐จ๐ซ๐ข๐ง๐  ๐ƒ๐๐ˆ๐ˆ๐“ ๐ซ๐ž๐ ๐ข๐ฌ๐ญ๐ซ๐š๐ญ๐ข๐จ๐ง โ€“ missing out on tax benefits, easier funding access, and formal recognition. ๐๐จ๐ญ ๐š๐ฉ๐ฉ๐ฅ๐ฒ๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž ๐’๐ญ๐š๐ซ๐ญ๐ฎ๐ฉ ๐ˆ๐ง๐๐ข๐š ๐’๐ž๐ž๐ ๐…๐ฎ๐ง๐ ๐จ๐ง ๐ญ๐ข๐ฆ๐ž โ€“ the scheme has a limited eligibility window, and once missed, the opportunity is lost. ๐ƒ๐ž๐ฅ๐š๐ฒ๐ข๐ง๐  ๐†๐’๐“ ๐ซ๐ž๐ ๐ข๐ฌ๐ญ๐ซ๐š๐ญ๐ข๐จ๐ง โ€“ resulting in penalties and ineligibility to claim input tax credit. ๐๐จ๐ญ ๐ญ๐ซ๐š๐œ๐ค๐ข๐ง๐  ๐ฎ๐ง๐ข๐ญ ๐ž๐œ๐จ๐ง๐จ๐ฆ๐ข๐œ๐ฌ โ€“ focusing only on revenue without understanding margins and burn rate. ๐Œ๐ข๐ฌ๐œ๐ฅ๐š๐ฌ๐ฌ๐ข๐Ÿ๐ฒ๐ข๐ง๐  ๐ž๐ฑ๐ฉ๐ž๐ง๐ฌ๐ž๐ฌ โ€“ for example, incorrectly treating Capital WIP, which distorts financial reporting. ๐๐จ ๐ซ๐ฎ๐ง๐ฐ๐š๐ฒ ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐  โ€“ realizing too late that cash reserves will not last beyond a few months. ๐๐ž๐ ๐ฅ๐ž๐œ๐ญ๐ข๐ง๐  ๐œ๐จ๐ง๐ญ๐ซ๐š๐œ๐ญ๐ฌ ๐š๐ง๐ ๐ฅ๐ข๐š๐›๐ข๐ฅ๐ข๐ญ๐ข๐ž๐ฌ โ€“ weak vendor, investor, or employee agreements create long-term risks. ๐๐จ๐ญ ๐ฌ๐ž๐ญ๐ญ๐ข๐ง๐  ๐š๐ฌ๐ข๐๐ž ๐Ÿ๐ฎ๐ง๐๐ฌ ๐Ÿ๐จ๐ซ ๐ญ๐š๐ฑ๐ž๐ฌ โ€“ leading to liquidity issues at the time of tax payments. A startupโ€™s first year sets the foundation for sustainable growth. Strong financial discipline is just as critical as achieving product-market fit. What other financial oversights have you observed in early-stage startups? #StartupFinance #Entrepreneurship #Founders #StartupIndia #DPIIT #SeedFund
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August 16, 2025
๐‡๐š๐ฏ๐ž ๐ฒ๐จ๐ฎ ๐ž๐ฏ๐ž๐ซ ๐ง๐จ๐ญ๐ข๐œ๐ž๐ ๐ก๐จ๐ฐ ๐ฌ๐จ๐ฆ๐ž ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ๐ฆ๐ž๐ง ๐ ๐จ ๐›๐š๐ง๐ค๐ซ๐ฎ๐ฉ๐ญ ๐จ๐ง ๐ฉ๐š๐ฉ๐ž๐ซ, ๐ฒ๐ž๐ญ ๐ญ๐ก๐ž๐ข๐ซ ๐Ÿ๐š๐ฆ๐ข๐ฅ๐ข๐ž๐ฌ ๐œ๐จ๐ง๐ญ๐ข๐ง๐ฎ๐ž ๐ฅ๐ข๐ฏ๐ข๐ง๐  ๐ฅ๐š๐ฏ๐ข๐ฌ๐ก๐ฅ๐ฒ? Or how, in cases of divorce or family partition, some wealthy families pay surprisingly little in alimony or settlement โ€” while their business empire and properties remain untouched? Take for example a well-known business family (youโ€™ll find many such cases in news) โ€” the fatherโ€™s company faced insolvency, but the family homes, investments, and lifestyle were unaffected. Why? Because those assets were never in his personal name. They were held through family trusts and layered entities that legally insulated wealth. This isnโ€™t luck โ€” itโ€™s strategy. Smart families structure their wealth in advance using: ๐Ÿ”น ๐๐ซ๐ข๐ฏ๐š๐ญ๐ž ๐Ÿ๐š๐ฆ๐ข๐ฅ๐ฒ ๐ญ๐ซ๐ฎ๐ฌ๐ญ๐ฌ (separating personal from family wealth) ๐Ÿ”น ๐‡๐จ๐ฅ๐๐ข๐ง๐  ๐œ๐จ๐ฆ๐ฉ๐š๐ง๐ข๐ž๐ฌ/๐‹๐‹๐๐ฌ for businesses ๐Ÿ”น ๐’๐ฎ๐œ๐œ๐ž๐ฌ๐ฌ๐ข๐จ๐ง ๐Ÿ๐ซ๐š๐ฆ๐ž๐ฐ๐จ๐ซ๐ค๐ฌ to prevent disputes ๐Ÿ”น Structures that ensure creditors or personal disputes donโ€™t touch core assets This is why Family Offices, Trusts, and AIF structures are gaining momentum in India. They donโ€™t just create wealth; they protect, preserve, and pass it on. For professionals like us, this is a huge reminder: true wealth management is not only about earning returns, itโ€™s about building legal walls around family assets. ๐Ÿ‘‰ ๐ƒ๐จ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐ข๐ง๐ค ๐ฆ๐จ๐ซ๐ž ๐ˆ๐ง๐๐ข๐š๐ง ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐Ÿ๐š๐ฆ๐ข๐ฅ๐ข๐ž๐ฌ ๐ฌ๐ก๐จ๐ฎ๐ฅ๐ ๐ฆ๐จ๐ฏ๐ž ๐ญ๐จ๐ฐ๐š๐ซ๐๐ฌ ๐ฌ๐ฎ๐œ๐ก ๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐ž๐ ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐  โ€” ๐จ๐ซ ๐ข๐ฌ ๐ข๐ญ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐ฌ๐ž๐ž๐ง ๐š๐ฌ ๐ฌ๐จ๐ฆ๐ž๐ญ๐ก๐ข๐ง๐  ๐จ๐ง๐ฅ๐ฒ ๐ญ๐ก๐ž ๐ฎ๐ฅ๐ญ๐ซ๐š-๐ซ๐ข๐œ๐ก ๐ง๐ž๐ž๐? #FamilyOffice #Trusts #WealthManagement #SuccessionPlanning #CA
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October 12, 2025