The stock list and the shelf disagree
A register updated at the end of the day can't tell you what is actually sellable right now, so you promise stock you don't have or sit on stock you forgot.
No true sellable stockBuilt for India's MSMEs — traders, distributors, service businesses and small units — not accountants. Accountune is GST billing software for MSME units that works the same on a phone at the counter and a desktop in the office. One cloud app handles GST billing, stock, e-way bills and B2B credit tracking. From ₹799/year, free trial, no card.
Free trial · No credit card · Cancel anytime

Data on secure cloud servers · encrypted · automatic backups
MSME billing software is a GST-ready tool that helps Indian micro, small and medium enterprises create B2B invoices, keep stock accurate, generate e-way bills for dispatches, manage buyer credit periods, and auto-file GSTR-1 and GSTR-3B. An MSME can be a trading firm, a distributor, a service business or a manufacturing unit, and the software has to fit all four rather than assuming a factory. Accountune runs the whole loop — purchase, sale, payment and return — from one cloud dashboard, without an accountant.
An MSME can be a trading firm, a service business, a distributor or a manufacturing unit. What they share is not a production line, it is the same set of pressures: GST returns every month, B2B buyers who pay on their own schedule, and a Udyam registration that brings both protections and obligations. Accountune runs the billing, stock and GST for all four. If you run a manufacturing unit, the raw-material-to-finished-goods workflow is covered in more depth on the manufacturing billing software page.
Accountune research · 2026
Sources: 7.83 crore Udyam registrations — Ministry of MSME / PIB, 30 Mar 2026 · Section 43B(h) 45-day rule — Finance Act 2023, effective 1 Apr 2024, carried forward at Section 37(2)(g) of the Income Tax Act 2025, in force from 1 Apr 2026 · ₹5 crore e-invoicing threshold — CBIC Notification 10/2023-Central Tax, effective 1 Aug 2023 · ~30% GDP contribution — Ministry of MSME, FY 2023-24 estimate.
Ramesh ji ki Jodhpur mein ek chhoti trading firm hai. Maal supplier se aata hai, aur aage dealers aur retailers ke paas jaata hai, jo 45-60 din baad payment karte hain.
March 2026 mein CA ne do baatein batayin. Pehli: teen dealers ka paisa 70 din se atka hua hai, aur uska koi record hi nahi tha. Doosri: khud Ramesh ji ke kuch supplier bills bhi deadline paar kar chuke the, jis se unka apna deduction agle saal mein khisak jaata.
Problem ye thi ki kaun-sa bill kab ka hai, kis dealer ka kitna paisa atka hai, aur kaun-sa supplier bill deadline ke kareeb hai — ye kahin track nahi ho raha tha.
Story based on common patterns observed across Accountune customer onboardings. Names changed for privacy.
Understanding the MSME context
MSME billing software is accounting and inventory software built for micro, small and medium enterprises registered under the MSMED Act, 2006. Choosing billing software for MSME businesses comes down to three things: whether GST returns build themselves, whether buyer credit is visible before it becomes a problem, and whether it runs without an accountant on call. An MSME accounting software has to close the loop between billing, stock and the ledger, because an MSME owner rarely has a separate accounts team to reconcile the gaps.
The four kinds of MSME need different things from the same tool. A trader buying and reselling the same goods needs purchase entries, sales entries and a clean GST trail, and nothing more complicated than that. A distributor carrying stock for several brands needs party-wise rates and credit terms that hold without being re-explained on every order. A service business with no stock at all still needs GST invoices, receivables and returns, and Accountune runs without an inventory module switched on. Wholesale MSMEs sit between the two, moving volume on credit, which is where per-buyer terms and payment reminders do the most work.
MSME classification uses two tests together: investment in plant and machinery or equipment, and annual turnover. An enterprise has to stay within both limits for its category. The limits were revised upward, which moved many businesses into a higher bracket without any change on the ground. Registration happens on the Udyam Registration Portal, which integrates with PAN and Aadhaar. Registration brings legal protections. One of them is the payment rule that ties a buyer's tax deduction to paying on time: 15 days where there is no written agreement, or up to 45 days where there is one. It is worth knowing the limits of this rule before you rely on it. It covers micro and small enterprises only. Medium enterprises are outside it, and so are traders, both retail and wholesale.
MSME accounting software is only useful if the numbers it produces survive an audit, which is why every entry in Accountune carries its GST treatment from the moment it is billed. For consignments above ₹50,000 you need an e-way bill. If annual turnover crosses ₹5 crore in any financial year since 2017-18, e-invoicing with IRN becomes mandatory for B2B supplies — and once covered, there is no exit even if turnover later drops. Businesses with turnover of ₹10 crore+ must upload e-invoices to the IRP within 30 days of the invoice date. HSN codes, CGST/SGST/IGST logic, GSTR-1, GSTR-3B and GSTR-2B reconciliation all sit on top.
A manufacturing MSME buys one thing and sells another. Accountune keeps raw stock and finished stock as two ledgers, and adjusts both when a production entry is made, so your dispatch-ready count is never a guess. Production costing, per-unit cost and job work are covered in full on the manufacturing billing software page.
Per-buyer credit tracking, plus supplier bills watched against the 15-day or 45-day line.
Should generate from the invoice, not re-typed.
Must already support IRN so you don't switch mid-year.
Software must work without accounting knowledge or IT support.
Indian MSME sector — 2026
Business types covered
6 problems MSME owners face daily
These are not hypothetical. They happen in GST-registered units across India every month — and each one quietly creates a penalty or an hour of lost time.
A register updated at the end of the day can't tell you what is actually sellable right now, so you promise stock you don't have or sit on stock you forgot.
No true sellable stockEvery sale deducts and every purchase adds, as it happens. Units that make what they sell get raw and finished as two ledgers on top.
Know your true sellable stockPay an MSME-registered supplier late and your own deduction moves to the year you actually pay. The problem is seeing which of your supplier bills has crossed the line before the year closes.
Your own deduction at riskAccountune flags your unpaid bills from micro and small suppliers as they approach the 15-day or 45-day limit, so you clear them before the deduction shifts into next year.
Protect your own deduction on supplier billsRe-keying item, HSN, value and GSTIN on a separate portal for each truck wastes ten minutes a consignment.
Re-typed every dispatchItem, HSN, value and buyer GSTIN are already filled; add transport once.
E-way bill in under a minuteA wrong tax type or HSN code breaks the buyer's ITC and holds your payment.
Invoices rejected, payment heldTax type detected from the buyer's state; HSN and rate saved per item.
ITC-clean invoices, filed in minutesPulling a year of invoices, ledgers and returns together at the last minute invites errors.
Audit scrambleGSTR-1/3B/2B, ledgers and P&L export in a few clicks, any day of the year.
Audit- and loan-ready, any dayWithout up-to-date P&L, balance sheet and cash-flow, a working-capital loan stalls.
Loan delayedFinancial statements build themselves; give your CA read-only access (higher plans).
Loan-ready financials on demandSetup to first invoice — under 45 minutes
No accountant, no IT person. Most owners complete setup and raise their first GST-compliant invoice within 45 minutes of signing up, whether they trade, distribute, sell a service or make something.
Bulk import from Excel; HSN and GST rate are saved permanently against each item. A service business with no stock at all can skip this and go straight to billing.
Set a per-buyer credit limit and terms, and see supplier bills as they approach their payment deadline.
MSME invoice software should apply the right HSN and tax type without the biller deciding it at the counter. GST is applied automatically, stock deducts, and the e-way bill generates from the same invoice for consignments above ₹50,000.
MSME GST software is judged on one thing at month end: whether GSTR-1 and GSTR-3B are ready or still need assembling. Here they auto-compile, GSTR-2B reconciles, and e-invoicing above ₹5 crore integrates with the IRP portal.
What you get
Every feature below follows the real flow of a small Indian business — purchase, sale, payment and return — so billing, stock, GST and buyer credit move together.
Know what's sellable
Every sale deducts and every purchase adds as it happens, so the count is right without a second register. Units that make what they sell keep raw and finished as two ledgers on top.
No queue at the counter
Search the item or scan a barcode, add the buyer, print or WhatsApp. GST is calculated as you bill — useful when a dealer's truck is waiting and you have 30 invoices to clear.
Under a minute
For any consignment above ₹50,000, generate the e-way bill directly from the invoice. Transport details added once; the rest pre-filled. the higher plans.
Protect your cash flow
Set a credit limit and terms per buyer, see who is overdue and by how much, and send a WhatsApp reminder with the outstanding pre-filled. This protects your cash flow. The tax consequence of a late payment sits with the buyer, not with you.
Compliant past ₹5 cr
When turnover crosses ₹5 crore, generate IRN and QR-coded e-invoices for B2B supplies — no separate portal, no double entry. the higher plans.
Filing in minutes
Every invoice flows into your GSTR-1 and GSTR-3B summaries. GSTR-2B reconciliation (higher plans) matches supplier invoices so your input tax credit stays clean.
One ledger per supplier
Track every purchase, supplier-wise pending payments, and reorder needs. Set minimum stock levels and get low-stock alerts before a fast mover runs out.
Loan-ready, audit-ready
P&L, balance sheet, cash flow, GST summaries, item-wise profitability — all automatic. Give your CA read-only remote access (higher plans).
Your business in your pocket
Bill from the office laptop or the phone on the floor. Data syncs to secure cloud servers with automatic backups and encryption. The top plan adds multi-location and multi-GSTIN.
Side by side
Against Tally, Vyapar and Marg, Accountune is the only option that bundles cloud, a full mobile app, two-stage stock, e-way bills, e-invoicing, and automatic 43B(h) credit alerts from ₹799/year — where Tally Silver alone runs ₹26,550 plus ₹4,500/year renewal before any cloud add-on.
| Feature | Tally Silver | Vyapar | Marg | Accountune |
|---|---|---|---|---|
| Realistic annual cost | ₹26,550 + ₹4,500/yr TSS | ₹3,420/yr (Desktop Silver) | ₹8,100–₹25,200 one-time + AMC | From ₹799/yr |
| Cloud-based | Paid add-on | Sync only | Add-on | Built-in |
| Mobile app | View-only | Strong | Limited | Full |
| Raw + finished stock | Partial | Two-stage | ||
| E-way bill | Mobile Gold+ | Higher plans | ||
| E-invoicing IRN | Higher plans | Higher plans | ||
| Buyer credit alerts | Manual | Limited | Basic | Auto + 43B(h) |
| GSTR-1 / 3B | Manual export | Auto (all plans) | ||
| GSTR-2B reco | Limited | Higher plans | ||
| Multi-UOM single invoice | Partial | |||
| WhatsApp invoice | Limited | Limited | Native | |
| CA remote access | Via file share | Limited | Higher plans | |
| Multi-location / GSTIN | Gold ₹79,650 | Limited | Pro | |
| Free trial | Limited | Free tier | Demo only | No card |
Competitor pricing verified May 2026 from vendor pages and authorised partners. Marg pricing varies by edition (Basic → Advanced) plus annual AMC — confirm the exact SKU before quoting.
Is this right for your unit?
An honest read on where Accountune fits best, built around how Indian MSME units actually operate.
furniture · garments · food · auto parts · packaging · chemicals
Raw material in, finished goods out — with BOM, batches and job-work tracked.
selling B2B on credit
Party ledgers, outstanding udhaar and collection reminders in one place.
Top plan
Several plants or GSTINs under one login — consolidated or kept separate.
needing 43B(h)-aware tracking
Flags supplier dues crossing the 45-day MSME payment window.
e-invoicing mandate
IRN and e-way bills generate automatically before the threshold bites.
migrating in
Import masters and opening balances; keep the workflow your staff knows.
See any of these? You're exactly who Accountune is built for.
Start freeAccountune Compliance Team
GST & MSME compliance specialists
Reviewed against
The mistake most MSME owners make is treating billing and inventory as two separate jobs. In a small business they are one flow — the moment you raise a bill, your stock, your GST, and your buyer's credit clock all move together. Software that doesn't connect those three always leaves a gap, and that gap is usually where the Section 43B(h) tax problem hides.
Buyer's guide · 2026
Score every shortlisted tool against these seven checks before paying. Software that fails even two is likely to cause friction within the first month.
A count that only moves when someone remembers to update it is not a count. And if you make what you sell, one stock list will not model it.
Accountune
Stock adjusts on every sale and purchase, with raw and finished as two ledgers when you need them.
Re-typing the invoice on a separate portal for every dispatch wastes time and invites errors.
Accountune
E-way bill built from the invoice on the higher plans — add transport once, the rest is pre-filled.
Once you cross ₹5 crore there is no exit — the software must already do IRN so you don't switch mid-year.
Accountune
IRN and QR e-invoices on the higher plans — generated as you bill, no separate portal.
A plain 'amount owed' column isn't enough — you need the 45-day line flagged before a deduction is lost.
Accountune
Per-buyer limits and terms, with flags and WhatsApp reminders before the 45-day line.
Returns should build invoice-by-invoice in the background — not be assembled in a month-end Excel session.
Accountune
GSTR-1, 3B and 2B reconciliation build themselves; review and file in minutes.
Desktop-with-sync ties you to one PC. You should bill from the floor on a phone and recover from any device.
Accountune
Cloud-native on secure cloud servers, full Android/iOS apps, automatic backups.
Add renewals, AMC and cloud add-ons. Tally Silver is ₹26,550 + ₹4,500/yr TSS; Marg adds AMC.
Accountune
from ₹799/year all-in, cloud included, free migration — no hidden renewals.
Compiled from Accountune's work with 12,000+ Indian businesses that switched to digital billing, 2022–2026.
Verified customer reviews
4.9 rating · Trusted by 12,000+ Indian businesses. Customer outcomes are representative of feedback from Accountune customers. Names and identifying details have been changed.
₹18,000 in dues recovered
“Earlier our customer dues were all over the place — some in notebooks, some lost in WhatsApp chats. Half the time I couldn't even remember who owed what. Now every payment gets tracked on its own. Within a few months we recovered over ₹18,000 that I'd honestly given up on.”
45% faster billing process
“Billing used to be slow for us. Now my team makes invoices in seconds with far fewer mistakes. It saves a good amount of time every single day.”
80% fewer payment follow-ups
“Chasing payments was easily the most frustrating part of my day. The automatic reminders handle all of that now, so we barely follow up anymore. That time goes straight back into growing the business.”
Zero expiry losses
“In a pharmacy, expired stock is just money gone. The expiry and stock alerts have basically put an end to that. No more last-minute scrambling at the counter — everything stays organized.”
Stock management 3× faster
“Pehle stock ka pura hisaab haath se likhna padta tha, ghante lag jaate the. Ab software khud sab track kar leta hai, aur reorder ka alert bhi time pe aa jaata hai. Sach mein kaam bahut aasaan ho gaya.”
Billing 60% faster
“GST billing aur stock — dono ka tension ab khatam. Billing fatafat ho jaati hai, aur report toh bas ek click mein saamne aa jaati hai. Pehle isi mein poora din nikal jaata tha.”
Pricing
Every plan includes GST billing, two-stage stock and cloud access. Higher plans raise the user, invoice and e-way-bill limits, and Growth adds audit trails, TDS and priority support.
For Getting Started
No credit card required
Perfect for Mobile only Users
+ taxes · ≈ ₹67/month
Perfect for Getting Started
+ taxes · ≈ ₹154/month
Perfect for Growing Businesses
+ taxes · ≈ ₹375/month
Yearly plans from ₹799/year. All include GST billing and cloud access · 7-day free trial, no card · Free migration from Tally, Vyapar, Marg, BUSY or Zoho.
Type a keyword or pick a category. Everything an MSME owner asks before switching is one keystroke away, and if your turnover is still small, the GST composition scheme is worth understanding first.
A GST-ready tool that helps MSMEs create invoices, track inventory and file GST returns. It goes further than a plain biller: live stock, e-way bills, buyer credit periods, supplier payment deadlines and audit-ready financial reports. It has to suit all four kinds of MSME — traders, distributors, service businesses and small units — because they run the same compliance calendar on very different day-to-day work. Everything runs from one cloud platform on phone or laptop, built around purchase → sale → payment.
Retail billing is built around a counter sale that settles immediately. An MSME sells B2B on credit, so the money arrives weeks after the invoice, and the software has to hold the gap: per-buyer credit terms, supplier bills watched against their payment deadline, e-way bills on larger consignments, and clean B2B GST with correct HSN. If you also make what you sell, two-stage stock sits on top of that. Accountune was built around this flow rather than bolted onto a retail app.
No. An MSME can be a trading firm, a distributor, a service business or a manufacturing unit, and Accountune runs the billing, stock and GST for all four. Traders and distributors use it for purchase and sales entries, buyer credit terms and GST returns. Service businesses use it for invoicing and receivables without any stock at all. Manufacturing units get the additional two-stage stock handling. If you run a manufacturing unit and want the raw-material-to-finished-goods workflow in detail, that is covered on the manufacturing billing software page.
Yes — full Android and iOS apps (not view-only). Create invoices, check raw and finished stock, generate e-way bills, view reports and track payments from your phone. Real-time sync with web/desktop, so a floor invoice shows up instantly for your accountant at the office.
Section 43B(h) of the Income-tax Act 1961, introduced by the Finance Act 2023 and effective 1 April 2024, ties a buyer's tax deduction to paying micro and small enterprise suppliers on time: 15 days where there is no written agreement, 45 days where there is one. Under the Income Tax Act 2025, in force from 1 April 2026, the same provision is carried forward at Section 37(2)(g). For assessments up to FY 2025-26 the reference remains Section 43B(h). Late payment means the deduction is allowed only in the year payment is made. Note the scope: it covers micro and small enterprises only, so medium enterprises and traders, both retail and wholesale, are outside it. Accountune flags your supplier bills crossing the line. (Source: Income-tax Act 1961 / Finance Act 2023; Income Tax Act 2025.)
Yes — on the higher plans. For dispatches over ₹50,000, generate the e-way bill from the invoice; item, HSN, value and GSTIN are pre-filled, transport added once. It stays linked to the invoice for re-sharing.
Mandatory once aggregate turnover crosses ₹5 crore in any FY since 2017-18, for B2B supplies and exports; once covered it stays. ₹10 crore+ must upload to the IRP within 30 days of invoice date. Accountune supports IRN + QR e-invoices on the higher plans. (Source: CBIC Notification 10/2023-Central Tax.)
No — Udyam is a separate process on udyamregistration.gov.in and isn't required to use billing software. But registering gives benefits: 43B(h) protection, collateral-free loan eligibility, and government/PSU tender access. Accountune works either way; if registered, per-buyer credit tracking helps enforce your rights. It's free and needs only PAN + Aadhaar.
Yes — auto CGST/SGST (intra-state) and IGST (inter-state), HSN mapping, GST-compliant formats, IRN + QR e-invoices past ₹5 crore, and auto GSTR-1/3B with GSTR-2B reconciliation (higher plans). This matters most for corporate and PSU buyers who reject non-compliant invoices and hold payments.
Yes. Raw stock and finished stock sit in two separate ledgers, and a production entry moves quantity from one to the other, so your sellable count stays accurate. The full manufacturing workflow, including production costing and per-unit cost, is covered on the manufacturing billing software page.
Under 10 seconds once set up — search or scan the item, pick the buyer, GST is auto-calculated, then print or WhatsApp. Saved templates and remembered buyers make repeat invoices faster; bulk invoicing handles month-end runs.
Yes — set a minimum level per item; drop below it and an automatic low-stock alert fires so you reorder before the shelf empties. If you keep raw and finished separately, the same logic applies to both, and the supplier ledger shows who to reorder from.
Yes — credit limit and terms per buyer; each invoice tracked against its due date; flags for invoices crossing the 45-day 43B(h) line; WhatsApp reminders. See total receivables, most-overdue buyers, and working capital stuck in the market.
Encryption on secure cloud servers; automatic backups; recoverable from any device after login even if your device is lost.
Paid plans start at ₹799/yr and step up on users, invoice volume and e-way bills, with audit trails, TDS and priority support on the top plan. No hidden, setup or migration fees. Tally Silver is roughly ₹26,550 + ₹4,500/yr TSS — many times the cost, desktop-first.
Yes — free trial, no credit card; test every feature first. Migration from Tally, Vyapar, Marg, BUSY or Zoho is free — the team imports items, parties, opening stock and balances in 24–48 hours, with your data intact; run in parallel for a few days. No migration or support charges; Hindi support through setup.
Practical reads on GST, billing and running a business in India — written for shop owners, not accountants.
Electrical items HSN code list 2026: wire 8544, switch 8536, MCB and DB 8537, fan 8414, all at 18%. LED lighting is the one item at 5%. Full rates.
Tiles HSN code is 6907 at 18% GST. Full list 2026: vitrified, glazed, wall, roofing 6905 at 5%, sanitaryware 6910, and why 6908 no longer exists.
description Plywood HSN code is 4412 at 18% GST. Full wood board list 2026: MDF 4411, particle board 4410, doors 4418, and why raw timber jumped to 18%.
A kirana counter and a garment showroom are not the same shop. Kirana runs on udhaar and loose quantities. A medical store runs on batch numbers and expiry dates. A garment shop runs on a size-and-colour grid. Hardware runs on multi-unit conversion. Accountune ships a build for each trade, not one, and the fields change with the trade.
Trust on every device sold
Counter-speed billing
Move volume, control credit
Stay compliant, cut wastage
Bill rods, sheets and packets right
Everyday neighbourhood billing
Loose weighing, fast-moving stock
Size, colour, season — never out of stock
Every pair, every size, tracked
From raw inputs to finished value
Join thousands of Indian small businesses running their accounts, billing and inventory on Accountune.