Your kadai's books, auditor-ready — without an accountant
Every year the same scene: a plastic cover of bills, an auditor charging by the hour to rebuild twelve months, and a shopkeeper who has no idea whether the numbers are right. Selvi already holds every bill you made. It can read them the way an auditor reads them.
Selvi does not file anything
No GSTR-1. No GSTR-3B. No ITR. Filing needs your GSTN login and a signature that carries legal responsibility — that belongs to your auditor, not to a billing app. What Selvi does is the part before filing: the reading, the totalling, and the awkward questions.
What it produces
| Figure | What your auditor does with it |
|---|---|
| Turnover, split cash / UPI / udhaar | Decides your 44AD rate — 6% or 8% |
| Taxable value and GST by slab (0, 5, 12, 18, 28%) | Fills GSTR-3B |
| CGST and SGST split | Intra-state sales, which is every counter sale in a kadai |
| Month-by-month sales and tax | Checks returns already filed |
| Purchases, cost of goods sold, expenses | Arrives at net profit |
| 44AD presumptive income | Compares it against your books figure |
| Udhaar still outstanding | Considers bad debt |
The questions it asks before your auditor does
This is the part that saves real money. Selvi checks your own books for the things an auditor queries — and tells you in Tamil, while there is still time to fix them.
- Gaps in your invoice numbers. A break in the sequence is the first thing an auditor looks for, because it is what a hidden sale looks like. Selvi lists every gap.
- GST collected without a GSTIN. If your bills charged tax but the shop is not registered, that is a serious problem — and easy to do by accident.
- Crossing ₹40 lakh. Above that, GST registration is compulsory for goods. Selvi warns you at 80%, not after a notice arrives.
- Missing cost prices. Selvi will not invent a margin. If a product has no purchase price, that sale is excluded from profit and you are told exactly which ones.
- Selling below cost. Sometimes deliberate, sometimes a typo. Worth one look either way.
- Months with no bills recorded. The shop was open; the books say otherwise. Auditors ask.
- Too much cash. Under 44AD, cash is taxed on 8% presumed income and digital on 6%. Selvi shows what moving half your cash sales to UPI would actually save you.
Why 6% and 8% matter more than you think
On ₹20 lakh of turnover, the difference between all-cash and all-digital is ₹40,000 of presumed income — before your rate is even applied. Most shopkeepers have never been shown this number, because nobody computes it until the year is already over.
What you hand your auditor
One CSV. Summary, GST by slab, month by month, the points that need explaining, and every invoice with date, customer, payment method, taxable value and tax. It opens in Excel or Tally. Or send the summary on WhatsApp in one tap.
Ask it in Tamil
Tap Explain my year in Tamil and Selvi tells you plainly whether the books look healthy and the one thing to fix first. Only the totals are sent — customer names and phone numbers never leave your phone.
See your year the way an auditor sees it
Already in Selvi, under the ⋮ menu → Audit & tax.
Selvi-ya try pannungaKelvigal
- Does Selvi file my GST return?
- No. Selvi does not file GSTR-1, GSTR-3B or income tax returns, and it never will. Filing needs your GSTN credentials and a signature that carries legal responsibility. Selvi prepares the figures; your auditor files them.
- Do I still need an auditor?
- For filing, yes. What changes is the work you hand over. Instead of a bag of bills, your auditor gets a clean CSV with turnover, GST by slab, month-by-month sales and every invoice — so their time goes on filing, not on reconstructing your year.
- What is section 44AD and does it apply to my kadai?
- 44AD is presumptive taxation. Instead of proving every expense, you declare a fixed percentage of turnover as income — 6% on digital receipts and 8% on cash — provided turnover stays under Rs 2 crore. Most kirana shops file this way. Selvi computes both your books figure and the 44AD figure so your auditor can compare.
- Why does Selvi say my profit is unreliable?
- Because profit needs a purchase price. If you have not entered what an item cost you, Selvi excludes that sale from profit rather than inventing a margin. A made-up profit is worse than no profit — you would plan your year around it.
- When must a kirana shop register for GST?
- For goods, registration becomes compulsory above Rs 40 lakh turnover in a financial year. Selvi warns you when you cross 80% of that, so you hear it from your books rather than from a notice.
- Does my shop data leave my phone?
- The figures are computed on your own device. If you tap 'Explain my year in Tamil', only the totals are sent — never customer names or phone numbers.