Raw & finished goods mixed in one list
One stock list can't tell you how much you bought versus how many units are actually built and ready to ship.
No true dispatch-ready stockBuilt for India's small manufacturers and MSME traders, not accountants. One cloud app handles GST billing, two-stage stock (raw + finished), e-way bills and B2B credit tracking. From ₹799/year, free trial, no card.
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MSME billing software is a GST-ready tool that helps Indian micro, small, and medium enterprises create B2B invoices, track raw material and finished goods stock separately, generate e-way bills for dispatches, manage buyer credit periods, and auto-file GSTR-1 and GSTR-3B. Unlike retail billing apps, it handles the manufacturer's two-stage flow — purchase, production, dispatch, payment — from one cloud dashboard, without an accountant.
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 · ₹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 ek chhoti furniture unit hai Jodhpur ke industrial area mein. Raw material — plywood, hinges, polish — supplier se aata hai. Karigar table aur almirah banate hain. Phir maal jaata hai dealers ke paas, jo 45-60 din baad payment karte hain.
March 2026 mein CA ne bataya: teen dealers ko maal diye 70 din ho gaye, aur kyunki woh MSME-registered suppliers the, Section 43B(h) ke hisaab se uska tax deduction is saal claim nahi ho sakta.
Problem ye thi ki kaun-sa bill kab ka hai, kis dealer ka kitna paisa 45 din se zyada atka 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 classified for micro, small, and medium enterprises under the MSMED Act, 2006. For manufacturers it must do more than print invoices — it tracks raw material consumption, finished goods, e-way bills, and B2B credit, while staying GST-compliant for Udyam-registered businesses.
Most billing apps assume you buy a thing and sell the same thing — that is retail. A manufacturer buys raw material (plywood, fabric, sheet metal, ingredients), consumes it in production, and sells a finished good. When raw material is consumed, raw stock should drop; when a finished unit is produced, finished stock should rise. This two-stage inventory is the single biggest reason retail billing software frustrates MSME owners.
Under the new MSME classification (2026), enterprises are categorised purely by annual turnover — the older investment-in-plant-and-machinery test has been simplified. Registration happens on the Udyam Registration Portal, which integrates with PAN and Aadhaar. Once registered, an MSME gets legal protections — including the Section 43B(h) payment rule, which forces buyers to clear dues within 15 days (no written contract) or 45 days (with a contract), or lose the tax deduction.
For dispatches above ₹50,000, a manufacturer needs 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. A Bill of Materials (BOM), HSN codes, CGST/SGST/IGST logic, GSTR-1, GSTR-3B, and GSTR-2B reconciliation all sit on top.
Software tracks two ledgers and adjusts both on production.
Per-buyer credit tracking against the 45-day line is essential.
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.
One stock list can't tell you how much you bought versus how many units are actually built and ready to ship.
No true dispatch-ready stockRecord production and raw stock drops while finished stock rises — automatically.
Know your true dispatch-ready stockLate payments to MSME-registered suppliers hit Section 43B(h) — and you can't see which bills crossed the line.
Tax deduction at riskCredit limit and terms per buyer, with WhatsApp reminders before the 45-day line.
Protect your tax deductionRe-keying item, HSN, value and GSTIN on a separate portal for each truck wastes ten minutes a dispatch.
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 (Growth+).
Loan-ready financials on demandSetup to first dispatch — under 45 minutes
No accountant, no IT person. Most owners complete setup and raise their first GST-compliant dispatch invoice within 45 minutes of signing up.
Bulk import from Excel; HSN and GST rate are saved permanently against each raw and finished item.
Set a per-buyer credit limit and terms that track against the 45-day Section 43B(h) line.
GST is applied automatically, finished stock deducts, and the e-way bill generates from the same invoice for dispatches above ₹50,000.
GSTR-1 and GSTR-3B auto-compile; GSTR-2B reconciles; e-invoicing above ₹5 crore integrates with the IRP portal.
What you get
Every feature below follows a unit's real flow — purchase, production, dispatch and payment — so billing, stock, GST and buyer credit move together.
Know what's dispatch-ready
Keep raw material and finished goods in separate ledgers. Record production and raw stock drops while finished stock rises automatically — no guessing how many units you can ship today.
No queue at dispatch
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 dispatch above ₹50,000, generate the e-way bill directly from the invoice. Transport details added once; the rest pre-filled. Growth and Pro plans.
Protect your deduction
Set a credit limit and terms per buyer. Accountune flags invoices crossing the 45-day Section 43B(h) line and sends WhatsApp reminders — so dues don't quietly become a tax problem.
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. Growth and Pro plans.
Filing in minutes
Every invoice flows into your GSTR-1 and GSTR-3B summaries. GSTR-2B reconciliation (Growth+) matches supplier invoices so your input tax credit stays clean.
One ledger per supplier
Track every raw material purchase, supplier-wise pending payments, and reorder needs. Set minimum stock levels and get low-stock alerts before production stalls.
Loan-ready, audit-ready
P&L, balance sheet, cash flow, GST summaries, item-wise profitability — all automatic. Give your CA read-only remote access (Growth+).
Factory in your pocket
Bill from the office laptop or the phone on the floor. Data syncs to AWS India servers with hourly backups and 256-bit encryption. Pro 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 | ₹799–₹4,490/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+ | Growth+ | ||
| E-invoicing IRN | Higher plans | Growth+ | ||
| Buyer credit alerts | Manual | Limited | Basic | Auto + 43B(h) |
| GSTR-1 / 3B | Manual export | Auto (Lite+) | ||
| GSTR-2B reco | Limited | Growth+ | ||
| Multi-UOM single invoice | Partial | |||
| WhatsApp invoice | Limited | Limited | Native | |
| CA remote access | Via file share | Limited | Growth+ | |
| 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. Re-verify at next refresh (28 Aug 2026).
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.
Pro 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. On a factory floor they are one flow — the moment you bill a finished unit, 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.
Retail's single stock list can't model a factory. Production should consume raw and add finished automatically.
Accountune
Two ledgers — raw and finished — adjusted the moment you record production.
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 Growth+ — 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 Growth+ — 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 AWS India, full Android/iOS apps, hourly automatic backups.
Add renewals, AMC and cloud add-ons. Tally Silver is ₹26,550 + ₹4,500/yr TSS; Marg adds AMC.
Accountune
₹799–₹4,490/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 shared with permission. Verified Accountune customers.
₹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. Growth adds e-invoicing, e-way bills, GSTR-2B reconciliation and up to 3 users; Pro adds multi-location and multi-GSTIN.
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
Three yearly plans — Lite ₹799, Growth ₹1,849, Pro ₹4,490. All include GST billing and cloud access · 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.
A GST-ready tool that helps MSMEs create invoices, track inventory and file GST returns. For manufacturers and traders it goes further — tracking raw material and finished goods separately, generating e-way bills, managing buyer credit periods, and producing audit-ready financial reports. Everything runs from one cloud platform on phone or laptop, built around purchase → production → dispatch → payment.
Retail software assumes you sell exactly what you buy — one stock list. Manufacturing doesn't work that way: you buy raw material, convert it to finished goods, and sell B2B on credit. MSME software understands two-stage inventory, e-way bills, 45-day credit tracking, and clean B2B GST. Accountune was built for this manufacturer flow, not bolted onto a retail app.
It works for all small businesses but includes manufacturer features: separate raw/finished stock, production-linked stock adjustment, e-way bill from invoice, supplier ledgers, and buyer credit tracking against the 45-day rule. Furniture, garments, food, packaging, auto parts — the flow follows a factory's purchase-production-dispatch cycle, not counter sales.
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 (Finance Act 2023, effective 1 Apr 2024) ties a buyer's tax deduction to paying MSME suppliers on time — 15 days (no written agreement) or 45 days (with one). Late payment means the deduction is allowed only in the year payment is made. Accountune flags invoices crossing the 45-day line. (Source: Income Tax Act / Finance Act 2023.)
Yes — on Growth and Pro. 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 Growth and Pro. (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 (Growth+). This matters most for corporate and PSU buyers who reject non-compliant invoices and hold payments.
Yes — separate ledgers; recording production consumes raw and adds finished automatically. You always know raw stock and dispatch-ready units without updating two lists.
Under 10 seconds once set up — search or scan the finished 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 dispatches.
Yes — set a minimum level per raw-material item; drop below it and an automatic low-stock alert fires so you reorder before production stalls. The same logic applies to finished goods, 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.
256-bit encryption (bank standard) on ISO-certified AWS India servers (Mumbai & Bangalore); hourly automatic backups; recoverable from any device after login even if your device is lost.
Lite ₹799/yr (500 invoices, GST and financial reports, inventory); Growth ₹1,849/yr (unlimited invoices, 3 users, e-invoicing, e-way bills, GSTR-2B reco); Pro ₹4,490/yr (unlimited invoices, unlimited users, multi-location/GSTIN, priority support). No hidden, setup or migration fees. Tally Silver is roughly ₹26,550 + ₹4,500/yr TSS — many times the cost, desktop-first. Growth covers e-invoicing to credit alerts at under ₹160/month.
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 no data-loss risk; 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.
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.
Each industry comes with its own preset items, taxes and templates — so day-one feels like day-thirty.
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
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.