Built for Indian kirana stores, not accountants. One app handles GST billing, automatic inventory, udhaar tracking and daily profit reports. From ₹799/year, four-day free trial.
from 2,400+ verified kirana owners
Indian businesses on Accountune
average GST bill at the counter
GST compliant since day one
Accountune research · 2026
Based on survey of 12,000+ Indian kirana store owners (Jan–Apr 2026)
Understanding the kirana context
A kirana store — also called a provision store, general store, or grahak bhandar — is India's most prevalent retail format. An estimated 12–15 million kirana stores operate across India, accounting for ~90% of India's FMCG retail by volume. Despite the scale, kirana stores have five operational characteristics that standard billing software cannot address without significant customisation.
A typical kirana invoice mixes refined oil at 5% GST, packaged biscuits at 18%, soap at 12%, and loose pulses at 0% — all on one receipt. Software must handle multi-slab GST per line item without manual selection.
60–70% of kirana transactions involve customer credit. Customer-wise outstanding balances with timestamps and WhatsApp reminders are a core operational requirement — not an add-on.
Kirana stores have two daily peaks: 7–9 AM and 5–8 PM. At 15 customers per hour, a 30-second bill vs a 10-second bill is the difference between serving 15 or 45 before the queue breaks.
Indian kirana customers expect GST bills as WhatsApp PDFs — not emails or printed slips. Software without native WhatsApp invoice share is missing the default Indian communication channel.
Over 80% of kirana stores are owner-operated. The owner is the buyer, biller, and accountant. The software must work without accounting knowledge, IT support, or training consultants.
Indian kirana market — 2026
Sources: FICCI India Retail Report 2025 · BCG India Grocery Study 2024 · Accountune merchant data Q1 2026
Store types this software covers
6 problems kirana owners face daily
These are not hypothetical. They happen in kirana stores across India every day, and each one costs real money.
Rush hour. Six customers queued. Manual writing, calculating, printing. One customer checks his watch, sets down his basket, and walks out. That queue-driven walkout happens every morning and evening in shops without fast billing.
Customers walk out every rush hourSearch the product by name or scan the barcode. Price, GST rate and HSN code are pre-saved. Invoice generated. WhatsApp or print — done in under 10 seconds. No queue builds. No customer leaves.
Average: 47 min/day savedThe udhaar notebook has 20 names, half with missing dates, two entries crossed out for reasons you can't recall. Sharma ji claims he paid ₹800 last Thursday. You have no record. Most owners write it off — ₹800 gone.
₹800 arguments end in write-offsEvery credit customer gets a digital account. Every purchase and payment logged automatically with date and time. One tap shows the full history. WhatsApp reminders sent automatically. The ₹800 argument ends.
Avg ₹8,200 / month recoveredA customer asks for Maggi. You think you have it. You don't. They go next door. Another asks for toor dal — you have it, but it's been there four months, slowly turning. Without stock visibility, you lose sales on both ends.
Sales lost both waysStock moves the second a bill is generated. Low-stock alerts before you run out of fast-movers. Slow-mover reports so dead inventory doesn't sit. You only stock what actually sells.
20–30% less dead stockPull out the bill book. Count by hand. Try to remember which invoices had GST and which didn't. Send the rough total to your CA. Hope it's right. Pay extra for the corrections. Every single month.
Hours of monthly guessworkEvery invoice you generate is already tax-mapped. Reports build themselves in the background. On the first of the month, your filing is ready to review. File yourself or share with your CA in one tap.
Filed in 5 minutes, not 5 hoursYou feel like business is good. But you don't know which products carry your shop and which sit on the shelf taking up space. Without numbers, you're running on instinct — and instinct misses a lot.
Running on instinct, not dataSee your top-10 products by revenue and by margin. See which customers buy the most and which haven't been back in 30 days. See profit by week, month, year — in language any shop owner can read.
Decisions in minutes, not monthsYou step out for a delivery, a bank visit, lunch. Your son or helper takes over. Did they record everything? Did the udhaar go in the book? Did the right price get charged? You only find out at closing — sometimes not even then.
Sales slip through unrecordedAnyone you trust can bill from their own phone with their own login. Every transaction syncs instantly. You see live sales from anywhere — even from your phone over lunch. Nothing slips through.
100% of sales capturedSetup to first bill — under 45 minutes
No IT person needed. No training consultant. Most kirana store owners complete the full setup and create their first GST invoice within 45 minutes of signing up.
Add each product with name, selling price, GST rate (0%, 5%, 12%, 18% or 28%) and HSN code. For packaged FMCG, barcode scanning auto-fills details. Already maintain a list in Excel? Bulk import loads everything in one step. Product data is saved permanently and never needs re-entering.
Estimated time: 15–30 minutes for 50–200 productsNew product
SavedAdd regular customers by name and mobile number. For udhaar customers, set a credit limit to prevent over-extension. Each customer gets a separate digital account that logs every purchase, payment and balance. Walk-ins can be billed without a profile — just select 'cash customer'.
Estimated time: 2–3 minutes per regular customerSharma ji · regular
Udhaar activeSearch the product by name or scan the barcode. Quantity in. Price, GST rate and HSN auto-fill from saved data. Total with tax breakdown appears instantly. Print or WhatsApp PDF in one tap. Stock deducts automatically. Udhaar balance updates immediately. Counter ready for next customer.
Average bill time: 8–12 seconds per transactionBill #0438 · Sharma ji
GST auto| Refined oil 1L | ×1 | ₹185 |
| Aashirvaad atta 5kg | ×1 | ₹298 |
| Parle-G family ×3 | ×3 | ₹90 |
Every evening, the daily business report is ready: total sales, gross profit, top products, pending udhaar, cash flow — all calculated from billing data, no extra entries. At month end, GSTR-1 downloads as a structured file your CA uses directly. GSTR-3B data is also available. E-invoicing (>₹5 cr) integrates with the IRP portal automatically.
GSTR-1 report ready: 1 click at month endToday · 26 May
+12% ↑What you get
No unused modules. No accounting jargon. Every feature below is used by kirana store owners on day one — most within the first hour after signing up.
Invoice in under 10 seconds
Search by product name or barcode scan. GST, HSN, price auto-filled. Print or WhatsApp in one tap. Rush hour moves without friction.
Stock accurate without extra entry
Every sale deducts from stock automatically. Every purchase entry adds back. Live, accurate count at any moment — no shelf-counting at 8 PM.
Not one rupee missed or disputed
Per-customer digital account with full purchase and payment history, timestamped. One-tap WhatsApp reminders. Outstanding balance always visible.
Zero manual tax calculation
CGST, SGST and IGST calculated correctly on every invoice. HSN codes saved per product. GSTR-1 and GSTR-3B reports ready at month end.
Reorder before the shelf goes empty
Custom minimum quantity per product. Alert via app, email or SMS when stock drops below — before the customer asks and you don't have it.
Packaged goods billed in 3 seconds
Works with USB scanners, Bluetooth devices or the phone's camera. Auto-fills product name, price, GST rate and HSN instantly.
Professional bills, no printing cost
PDF invoice sent to the customer's WhatsApp in one tap. Works for cash and credit customers. Print option available when paper is preferred.
Never overpay a supplier again
Every purchase logged when goods arrive. Supplier-wise outstanding balance always visible. When Verma ji calls about payment — you have the exact number.
Full business picture in 2 minutes
Sales total, top products, slow movers, daily profit, pending dues — one dashboard, checked from your phone. No manual calculation at day end.
Counter staff see billing only
Separate login per staff member with role-based permissions. Profit reports and purchase data stay owner-only. Full activity log with staff names.
Cash flow protected without awkwardness
Set a maximum credit amount per customer. Alert fires before the bill is created — not after — if a purchase would exceed the limit.
Data safe even if every device is lost
Automatic daily backup with 256-bit encryption. Device lost, crashed or stolen — log in from any other device and everything is exactly where it was.
The short version
| Capability | Accountune | Tally | Zoho | Vyapar |
|---|---|---|---|---|
| E-invoicing built-in | ||||
| Mobile billing | ||||
| Multi-user roles | ||||
| Live cloud sync | ||||
| WhatsApp + UPI in bill | ||||
| Free migration support |
Accountune is the only one of these that ships e-invoicing, mobile billing and WhatsApp + UPI as defaults, not add-ons.
Is this right for your store?
Accountune was designed specifically for Indian neighbourhood retail. Every store type below has been tested with real owners during development.
Best fit · 1–3 counter, 50–500 daily bills
Mixed FMCG inventory — oil, atta, dal, packaged goods, dairy, cleaning. Multiple GST rates per bill, high daily volume, regular udhaar customers. Accountune handles all of this from one screen.
Best fit · High SKU count, mixed category billing
Stores carrying household goods, stationery, seasonal items and FMCG together. Accountune supports unlimited SKUs with category-wise organisation, so products are findable even with 500+ items.
Best fit · Low-connectivity areas, mobile-first
Rural kirana stores often have inconsistent internet. Accountune works on any smartphone, basic billing continues with low connectivity, and cloud sync restores everything when connection returns.
Best fit · Competing with quick commerce
Urban kiranas compete with quick commerce. Speed at the counter, professional WhatsApp bills and UPI QR integration become competitive differentiators — all baked in.
Growth plan · 2+ users, role-based permissions
Family or hired staff at the counter? Role-based access becomes critical. Owners get visibility without being present; staff get billing access without seeing margins. Available from Growth (₹1,849/year).
Best fit · First-time digital billing
Most first-time billing software users come from notebooks, Excel or no system at all. Plain language, no accounting jargon. Setup under an hour. Counter staff typically learn in one afternoon.
“Most kirana store owners in India discover their billing and inventory problems only after the financial damage is already done — a walkout, a missing udhaar payment, a stock-out during Diwali rush, or a GST notice that arrives months after the error was made. The common thread is not negligence. It is the absence of a system that keeps up with the counter's pace. When billing takes under 10 seconds and stock updates itself, the stress of running the shop drops measurably.”
Accountune Product Team
Product Research — India SME Billing, 2017–2026
Based on analysis of 12,000+ kirana store owner journeys · India · Published May 2026
Buyer's guide · 2026
Before signing up for any billing software, evaluate it on these seven criteria. Software that fails even two of these is likely to cause friction within the first month.
The non-negotiable first test. Kirana billing requires CGST/SGST for intrastate and IGST for interstate, automatically calculated per product's rate. Try adding oil (5%), packaged juice (12%) and chips (18%) to one bill and check the breakdown is automatic.
Accountune
Each product stores its GST rate permanently. Tax calculates automatically on every invoice — no manual selection.
A simple 'amount owed' column is not udhaar tracking. You need per-customer purchase history with dates, partial payment recording, and the ability to send a WhatsApp reminder with the outstanding amount.
Accountune
Full per-customer ledger with timestamped entries, partial payment logging and one-tap WhatsApp reminders.
A barcode scan, a quick search by Hindi or English name, common-item shortcuts — billing speed during the morning and evening rush decides whether queues build. Anything that takes more than two screens per item is too slow.
Accountune
Barcode + name search + a one-tap “frequent items” rail. Median bill time across our shops is 8.4 seconds.
Tier-2 and tier-3 connectivity is uneven. If the software freezes the moment your Jio signal dies, you cannot bill — and a half-day outage costs more than a year of subscription. Offline billing with later sync is the bar.
Accountune
Bills offline, queues silently, syncs the second connectivity returns. No banner, no panic — same flow.
If you have to ask the software to 'generate' a return, you've already lost. Returns should be built on the fly as you invoice, so on the first of the month you review a summary and file — not assemble.
Accountune
GSTR-1 and 3B build themselves invoice-by-invoice. Review on day 1, file on day 1, or hand the JSON to your CA.
Manual stock counts are how kirana shops end up with dead toor dal and zero Maggi at the same time. Every bill, return and purchase order should move the stock number — and trigger a low-stock alert before you run out.
Accountune
Stock recalculates on every transaction. Low-stock + slow-mover alerts arrive on WhatsApp the moment thresholds break.
You step out for a delivery, a bank visit, lunch. Whoever covers the counter needs to bill from their own phone, with their own login, and you need to see those sales live — not at closing time.
Accountune
Multi-user mobile billing with role-based access. Every transaction syncs live to your dashboard from anywhere.
Compiled from feedback from 12,000+ Indian kirana store owners who switched to digital billing between 2022–2026 · Accountune Research Team
Verified customer reviews
Quoted reviews below are from real customers and reproduced verbatim. Identities and businesses verified at the time of writing.
₹15,000 udhaar recovered — Month 1
“The udhaar tracking alone paid for three years of the subscription in one month. Every rupee is logged, dated and retrievable. WhatsApp reminders go out automatically. I no longer write off amounts because I have no record.”
Billing time cut by 40% in Month 1
“Rush hour used to mean a queue and at least one frustrated customer who left. Now the counter handles six people faster than before with two. My counter staff learned the system in one afternoon — no training needed.”
Zero stock-outs in 4 months after switching
“I set minimum levels for 60 products. The alerts come before I run out — not after a customer points at an empty shelf. In four months since switching, I have not had a single stock-out. That is a first for this shop.”
CA called it 'cleanest GST data in years'
“Our CA said it was the most organised GST data she had received from us since we registered. No corrections, no last-minute calls, no missing HSN codes. The GSTR-1 report downloaded in two clicks. Filing day is no longer stressful.”
Check sales from home — 2 min daily
“I check the day's sales on my phone every evening. Two minutes — I know total revenue, top items and outstanding dues. I used to leave the shop not knowing how the day went. Now I know before I reach home.”
Staff trained in one afternoon — no accountant
“My counter staff uses WhatsApp. That was the benchmark. If they can use that, they can use Accountune. I gave them access to billing only — they cannot see my margins or purchase prices. I have full control, they have what they need.”
Pricing
All plans include free updates for GST law changes, cloud backup and email support. From ₹799/year — less than one Sunday lunch from the dhaba.
For Getting Started
+ taxes
Perfect for Mobile only Users
+ taxes · ≈ ₹67/month
Perfect for Getting Started
+ taxes · ≈ ₹154/month
Perfect for Growing Businesses
+ taxes · ≈ ₹375/month
4-day free trial · no credit card · Cancel anytime · All prices include GST · Support: +91 88242 33917
Type a keyword or pick a category. Everything a kirana owner asks before signing up is one keystroke away.
Kirana store billing software is a digital application that replaces paper bills, udhaar notebooks and manual stock registers. It works by storing all product details — name, price, GST rate, HSN code — once during setup. After that, every invoice is generated by searching or scanning the product, entering the quantity, and tapping to print or send on WhatsApp. Inventory updates automatically on every sale, customer credit balances are tracked in real time, and GST reports are generated without manual calculation.
Yes. Accountune supports both GST and non-GST billing from the same interface. Shops not registered under GST issue regular cash bills — the layout is identical, just without tax fields. When the store registers for GST later, the same product database, customer accounts and billing history continue without any migration.
Accountune starts at ₹799 per year — approximately ₹66 per month. The Lite Business plan includes GST billing, udhaar tracking, inventory management, daily reports, cloud backup and WhatsApp invoice sharing. No hidden fees, no add-ons required, no per-transaction charges. Growth (₹1,849/year) adds unlimited invoices and multi-user access. Pro Business (₹4,490/year) supports unlimited users and unlimited invoices.
Yes — a 4-day free trial is available with full access to all features. No credit card is required to start. During the trial, billing, udhaar tracking, inventory management and reports are fully functional — nothing is restricted. At the end of the trial, you choose a plan or the account pauses with all data preserved.
A GST invoice is generated in under 10 seconds. Search the product by name or scan its barcode — price, GST rate and HSN code auto-fill from saved data. The invoice is ready to print or send on WhatsApp as a PDF with one tap. During rush hour, this speed prevents queues from building and customers from leaving without purchasing.
Accountune automatically generates a daily business report from the day's billing data. At day end, owners see total sales, gross profit, top-selling products and pending dues — all calculated without manual entry. 94% of active users check their daily report in under 2 minutes from their phone.
Every credit customer gets a separate digital account that records every purchase, every payment and the current outstanding balance — all timestamped. When a dispute arises about whether a payment was made, the full history with dates is visible in one tap. WhatsApp payment reminders send directly from the app. Kirana store owners recover an average of ₹8,200/month in previously missed udhaar within the first 30 days.
Yes. Home delivery orders are created as regular bills with the customer's address in the remarks field. WhatsApp bill delivery doubles as the delivery confirmation. Udhaar tracking handles credit on delivery. Growth and Pro plans let pending delivery orders be tracked separately from completed cash transactions. Inventory updates automatically when the delivery bill is finalised.
Yes. Each staff member gets a separate login with role-based permissions. Counter staff can access the billing screen only — they cannot see profit reports, purchase records, margins or owner-level financial data. Every entry is logged with the staff member's name, creating a full audit trail.
All data is backed up automatically to the cloud every day using 256-bit encryption — the same standard used by banks. If a device is lost, stolen or damaged, every invoice, customer account, stock level and transaction record is recoverable immediately by logging in from any other device. No data is stored only on the local device.
Yes. Accountune logs every billing transaction with the staff member's name and exact timestamp. Owners can review today's sales, check for unauthorised discounts and see the full billing activity trail from any phone or computer — in real time, even when away from the shop.
Accountune works on Android phones, iPhones, tablets, Windows laptops and desktops, and any modern web browser — Chrome, Firefox, Edge, Safari. Because data is synced to the cloud in real time, the counter can be on a laptop while the owner checks reports from a phone at home and both see the same accurate data.
Accountune is cloud-based and requires internet for full functionality. Basic billing works with limited or intermittent connectivity — the app caches recently used product data locally. When connection restores, all data syncs automatically. For shops with no reliable internet at all, a primarily offline solution like Vyapar desktop may be more suitable.
Accountune works on web browser, Android, iOS and Windows from one cloud account; Vyapar's Android app is strong but desktop access costs extra. Accountune starts at ₹799/year; Vyapar's desktop plan starts at ₹1,999/year — 2.5× more. For browser + mobile + multi-device access at the lowest price, Accountune has a clear advantage. For strictly offline-first Android operation, Vyapar is a genuine alternative.
Practical reads on GST, billing and running a business in India — written for shop owners, not accountants.
Mobile accessories HSN codes 2026: charger 8504, earphones 8518, cable 8544, cover 3926, glass 7007 — almost all 18% GST. Why billing under 8517 is a mistake, explained.
Jewellery HSN code 7113: gold, silver & diamond are 3% GST, making charges 5%. Old gold exchange, imitation 18% & the two-line invoice rule for jewellers, explained.
Cement HSN code 2523 is 18% GST in 2026 (down from 28%). Full construction materials list — bricks, sand, steel, RMC, tiles — with HSN codes and rates for dealers.
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