AJ ASSOCIATESbetaTax & Management Consultancy

Tax · Audit · Accounts

Compliance done right. Growth made clear.

We handle accounting, tax, audit and company compliance for individuals and businesses, and we explain everything as we go.

  • 300+Clients we look after
  • 6+Years in practice
  • 4.9/5Average rating on Google
  • 25+Corporate & legal partners

Questions we hear every week.

Here are three of the most common ones, with straight answers. There are plenty more in our FAQs.

Salaried & professionals

“Which ITR form should I file? I’m completely confused.”

Filing under the wrong form can cost you a refund. Salary, freelance income, capital gains and trading each follow different rules. Share your Form 26AS and AIS with our tax team and we’ll handle the return for you.

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Small businesses & startups

“Do I really need a GST registration for my business?”

It depends, and we’ll tell you straight. Your turnover, whether you sell to other states and what your customers expect all matter. Registering early can save you tax, or it can just add paperwork. Tell us how you sell and we’ll say what makes sense.

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Notices & scrutiny

“I received an Income Tax / GST notice. Am I in trouble?”

Don’t panic. You don’t have to deal with the department alone. Many notices come from small mismatches in the numbers. Send us yours in confidence and we’ll check it, write the reply and appear for you if needed.

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See all FAQs

Our services

Most things your business needs, handled by one team.

Accounting, tax, company law, audit and loans. You can get all of it from us, whether you are just starting out or have been in business for years.

Not sure where to start?
Two advisors reviewing a GST calculator, growth chart and tax figures, with coins, a purse and an idea bulb around them
01Tax, GST & Compliance

Fewer surprises at tax time. We handle your GST, income tax and TDS filings, plan your advance tax, and speak for you if a notice arrives.

  • GST, Income Tax & TDS filingsIncome tax returns (ITR), GST returns (GSTR-1, GSTR-3B and the annual return) and quarterly TDS/TCS returns.
  • PF, ESI & payroll complianceMonthly provident fund (PF) and ESI returns, professional tax and other labour-law filings.
  • Assessments & scrutinyIncome tax and GST assessments and departmental audits. We write the replies and appear for you.
  • Compliance trackingA calendar of your due dates, checked regularly, so nothing slips and turns into a penalty.
02Business Registration

Start on the right footing. We help you choose the structure, register the business and prepare the founding documents.

  • Incorporation & registrationPrivate Limited, LLP, One Person Company, partnership firms and proprietorships.
  • Registrations & licencesPAN, TAN (for TDS), digital signatures (DSC), director ID (DIN), Import Export Code and MSME Udyam.
  • MOA, AOA & deedsThe founding documents of a company (MOA and AOA), partnership deeds and shareholder agreements, drafted to protect the founders.
  • Post-incorporationPapers for your first board meeting, help with the bank account, and getting you ready for your first annual filings.
03Accounts & Audit

Know where your business stands. Bookkeeping, monthly reports and independent audits that show how the business is really doing.

  • Bookkeeping & ledgersDay-to-day recording, voucher management and bank reconciliations.
  • Financial statements & MISBalance sheet, profit and loss account, and a monthly management report (MIS) showing sales, costs and profit.
  • Cash flow & fund flowBudgets, and a clear picture of the money coming in and going out.
  • Internal & process auditsIndependent audits, and check-ups of your finances and of how money is handled in your business.
04Company Secretarial Work

Keep your company in good standing. We take care of company-law filings, records, board papers and annual meetings.

  • ROC filings & resolutionsAnnual filings with the Registrar of Companies (ROC), board resolutions, declarations and minutes.
  • Secretarial audit & registersA secretarial audit, and the registers the Companies Act requires, kept up to date.
  • Director & structure changesChanges of directors (and their DIN), share allotments and transfers, and capital restructuring.
  • AGM & EGM supportNotices, papers and minutes for annual and extraordinary general meetings.
05Bank Loans & Funding

A stronger case for your loan. We prepare the financial projections and papers banks ask for, and support you through their questions.

  • CMA data & projectionsProjections in the CMA format banks use, and a DSCR check, which shows whether your income can comfortably repay the loan.
  • DPR & project reportsA detailed project report (DPR) and business plan for your funding application.
  • OD/CC & term loansApplication processing for overdraft or cash-credit limits (day-to-day working capital) and term loans for expansion.
  • Lender checks & credit ratingHelp when the lender looks into your business, and advice on improving your credit rating.
06Business Advice & Restructuring

Plan the next stage of growth. Advice on restructuring, valuation, mergers and scaling up a small or growing business.

  • Restructuring & valuationReorganising the business, working out what it is worth, and planning the next few years.
  • Startup & MSME scale-upPractical financial advice for new businesses and for businesses that are growing.
  • Mergers, acquisitions & dissolutionsAdvice on merging businesses, taking one over, or closing a company properly.
07Accounting Staff & Support

Extra hands for your accounts. Certified accounting staff, payroll processing and back-office support, on site or outsourced.

  • On-site accountantsSkilled accountants placed at your office, for a short spell or for the long term.
  • Payroll & admin BPOSalary calculation, payslips, PF/ESI filings and labour-law compliance.
  • Back-office financeWe take on the routine finance and admin work for growing businesses.
08CA Certification & Attestation

Need a certificate or an attestation from a Chartered Accountant? We check your records, then prepare and sign it for banks, embassies, investors and authorities.

  • Net worth & financial certificatesNet worth, income and turnover certificates for visas, loans, tenders and guarantees, based on your records.
  • Shareholding & company certificatesShareholding and capital certificates for banks, investors and authorities, prepared from your registers and filings.
  • Immigration & document attestationCA attestation of documents for visa, immigration, study and work abroad, and for banks and employers.
  • Other CA certificatesCertificates for tenders, subsidies, grants and loan files, and anything else that asks for a CA’s signature.

We work with businesses of every kind.

  • Manufacturing
  • Retail
  • Healthcare
  • Education
  • Hospitality
  • Construction
  • IT and start-ups
  • Agriculture
  • Exports
  • Finance
  • Professionals
  • And more
Explore industries

We start by listening,
and we see it through.

Four steps, every time, so you always know what is done and what comes next.

  1. 01

    Listen

    We ask about your business, your books and whatever is worrying you, before we suggest anything.

  2. 02

    Diagnose

    We go through your filings, Form 26AS and AIS and your ledgers, and tell you early about any risks or savings we find.

  3. 03

    Execute

    We file the returns, register what needs registering, reconcile the books and draft the replies, and someone checks every file before it goes out.

  4. 04

    Watch

    We keep a calendar of your due dates and check in with you regularly, so penalties and surprises don’t catch you out.

What clients say about us.

Exceptional service with impeccable punctuality, timely delivery and quick responses. Their responsible approach makes them a top-notch choice.

GGouri P RGoogle review · a year ago

Thank you for all your hard work. AJ Associates did a wonderful job and I am extremely happy with the results. The service is friendly, fast and knowledgeable.

AAnju JoshyLocal Guide · 2 years ago

Very professional and knowledgeable team. Made the whole tax audit process smooth and clear.

JJithin JohnsonLocal Guide · a year ago

From my personal experience these guys are doing their best. The quality of work is much higher than others in the field.

KKammathGoogle review · 2 years ago

Excellent service. Completely satisfied. All the best for the bright future ahead.

AAthul RoyGoogle review · a year ago

You have an exceptional ability to grasp complex concepts quickly and apply them effectively. Thank you for your friendly service.

JJibin Roy M RGoogle review · 2 years ago

One of the best.

MMettel Minds LtdGoogle review · a year ago

Tell us what you need, and we’ll sort it out.