Tap what happened and MiyeeBooks does the accounting: from notebook to bank-ready books, compliance on time, and capital within reach. The owner records the day's business in plain words, in their own language; their CA reviews and files from the same books. GST, TDS, payroll, a business valuation, a bank-ready credit report and the papers a bank asks for, in its own format, come out of it - free.
હિસાબ આપણો, ભાષા આપણી
A business with continuous, honest books can show a bank its income, bid for tenders, use state schemes and know what it is worth. MiyeeBooks exists to give the smallest businesses those books, and the step from informal to formal that comes with them.
Udyam registration is self-declared; the portal's live count keeps growing between replies.
GST returns through the year, TDS deposits and statements, payroll records, books of account, annual accounts and an income-tax return. A micro-enterprise owner has three choices - and all of them are bad.
A professional fee every month just to stay legal, much of it for typing in bills the owner could have recorded.
Tally, Zoho and ERPs assume someone in the business knows debits and credits. Micro units do not have that person.
No books means no proof of income: no bank credit, no tenders, no schemes - and dependence on informal credit.
And almost none of these owners know what their business is worth, or how a bank would score it. Without that, they cannot price a partner's share, bring in an investor or make their case to a bank.
The owner and the CA work on the same data. A switch at the top moves between the simple screens and the full professional toolkit.
Big buttons for what happened. Never a debit or a credit.
Owner entries arrive queued for review. The CA checks and files.
Profit and EBITDA multiples, a discounted cash flow, the VC method and ARR × 10 - explained in plain words, from the owner's own books.
A score out of 100 the way a bank appraises a small borrower, with a one-page summary and a detailed report to hand to the lender.
Pick this month, a quarter, a financial year or any dates. See three or five years of sales, purchases, direct and indirect costs and profit side by side, as a chart and in Excel.
What is going well, what to watch and what to do this month - with every key ratio explained simply.
A due list that puts MSME suppliers first, a bank bulk-upload file or UPI links, and the entries posted for you.
Employees submit claims with receipts from their own login, a manager approves, finance pays - and the payment entry is posted to the books for you. Staff see only their own claims, never the books.
Monthly salaries with PF, ESI and TDS worked out, payslips, and the PF ECR and ESIC upload files for the portals.
Quick shop billing with barcode or search, cash, UPI QR or card, and a printed receipt - every sale posted to the books.
Backups, restore with a preview, period lock and reset - all under one Data Management menu. It works offline too.
Step-by-step help for each screen, in the owner's language, one tap away from anywhere in the app.
Every bank asks a small business for the same papers. MiyeeBooks prepares them from the books, in the banks' own format, and gives banks and NBFCs a place to receive them - only when the owner says yes.
Operating statement, balance sheet analysis, current assets and liabilities, MPBF and funds flow, for past years, this year and next year projected - with DSCR and the ratios a credit officer reads first. Excel and PDF.
The monthly stock and book-debts statement, with paid stock, debtors up to 90 days and the margins in your sanction letter - plus 12 months of bank and GST summaries.
Cash credit or overdraft, term finance, working capital, invoice discounting on TReDS, equipment finance or MUDRA: send to banks on MiyeeCredit, or open a bank's own MSME page or JanSamarth with the papers ready.
Every business gets a unique number. Give it to your bank: a lender on MiyeeCredit can ask for your papers with it, and nothing is shared until you say yes.
A separate sign-in for lenders and investors. Each one is verified by Miyee Tech Labs - lenders against RBI's lists, investors against SEBI's lists or their angel network - before it sees any business. Lenders receive applications and reply: under review, more information, sanctioned or declined. Investors see only the highlights a business chooses to share, for 60 days.
Banks see figures, never your ledgers, entries or customers' contact details. Consent lasts 90 days for one application and can be withdrawn at any time. MiyeeCredit does not lend - the bank decides.
Turn on startup mode and the same books give a founder what investors ask for - runway, MRR, a clean cap table and a monthly update - shared on MiyeeCredit only with the founder's consent. We are starting with Atal Incubation Centres and university incubators in Tier-2 hubs.
Cash, gross and net burn, months of runway and the month cash runs out - with money raised kept out of burn, an alert under six months, and "default alive or dead" at today's growth.
MRR and ARR from recurring invoices, with new, expansion and churned MRR, churn, net revenue retention, gross margin, CAC, LTV and payback.
Founders, investors, equity and CCPS, the ESOP pool and convertible notes, fully diluted - checked against the share capital and premium in the books. Import it from a spreadsheet.
Pre-money and amount in; price per share, new shares, post-money, the ESOP top-up and every holder's dilution out, with notes converting at the cap or the discount. Closing the round can post the entry.
A pipeline from first intro to term sheet that moves on its own when an investor replies on MiyeeCredit, and a calendar for PAS-3, FC-GPR, AOC-4, MGT-7 and DPIIT - to confirm with your CS.
Written from the books in one tap; the founder adds highlights, challenges and asks, and sends it to chosen investors on MiyeeCredit.
An 18-month plan with hiring and raises, in base, best and worst cases, set against the books every month - and the gap goes into the investor update.
A checklist of the papers investors ask for, shared with one investor at a time and closed with one tap. Investors ask questions on MiyeeCredit; the founder answers from a library or a draft from the books.
Seed Fund, BIRAC BIG, NIDHI-PRAYAS and state grants: tranches, money used by budget head, the entries, and the utilisation certificate ready for the CA - shared with the incubator.
Liquidation preference, anti-dilution, board, vesting and the ESOP top-up explained in plain words, with the real pre-money and a closing checklist from term sheet to PAS-3.
Angels, syndicates, funds and incubator managers join MiyeeCredit free, are verified, and see each startup's highlights and updates - plus a portfolio view with runway alerts - only while the founder's consent lasts.
Subscriptions and payment links by UPI AutoPay, card or net banking, and daily bank statements through an Account Aggregator with consent. Both can be tried in demo mode today; live connections follow.
MiyeeCredit is not an investment platform: it does not solicit investors, arrange deals or hold money, and nothing shared is an offer of shares. Figures are the startup's own, unaudited.
Enter the company name and GSTIN - state and PAN fill in on their own. Choose GST, TDS, payroll and stock as you need them.
Tap what happened, on a phone or a laptop. MiyeeBooks does the accounting, the GST split and the TDS reminder.
Invite your CA. They review the owner's entries and file the returns from the same books - and can serve more clients.
Founder screens and the User Guide use the words traders actually use - not textbook terms.
Today the owner taps what happened. Next, MiyeeBooks will capture most entries on its own, chase what the business is owed, pay what it owes with the owner's approval, and warn the owner before cash runs short. AI suggests; the owner or CA always approves.
Supplier invoices that arrive by email or WhatsApp are picked up with your permission, read by AI, checked 22 ways and queued for one-tap booking.
Polite WhatsApp and email reminders for overdue invoices, in the customer's language, with a UPI link - and the payment matched when it arrives.
Payments through partner-bank APIs with approval management: maker and checker, limits per approver, two approvals above a set amount and an OTP before release.
A rolling 13-week cash forecast, with alerts to the founder on runway, a dip below a safe balance, falling margins or customers paying slower.
Say a sale or expense in Gujarati or Hindi and MiyeeBooks prepares the entry for you to confirm.
Bank transactions flow in daily through RBI's Account Aggregator framework, with your consent, and match themselves to entries.
Duplicate payments, unusual expenses and GST mismatches flagged early; bank and GSTR-2B reconciled and returns prepared for the CA to approve.
IRN and e-way bills from the same sale, and GST and TDS returns filed through licensed channels once the CA approves.
MiyeeCredit is live today. Next: partner banks receive applications straight into their own systems, bank statements and GST data reach them through Account Aggregator, and invoices are discounted on TReDS from inside the app - always your choice.
Planned developments, not yet available. Money will move only through regulated banks and payment partners, mail access will be read-only and limited to bills, and every automatic action will be written to the audit trail.
Every business can keep its books, GST, TDS and payroll in MiyeeBooks free, for any number of users. Paid plans are optional and paid online through Razorpay by UPI, card or net banking; monthly plans renew by UPI AutoPay or e-mandate only if you set one up, and you can cancel any time.
Prices are all-inclusive. Miyee Tech Labs is not yet registered under GST (turnover below the threshold under section 22 of the CGST Act, 2017), so no GST is charged; an invoice is issued for every payment. Once registered, GST will be added as the law requires, with at least 15 days' notice. Investors, angel networks and incubators use MiyeeCredit free. See Refunds & Cancellation and Service delivery.
We will tell you in the app well before a company reaches a free limit, and nothing is charged without your agreement. You can always export your books, or keep them on your device only.
Every screen, step by step, with screenshots: getting started, everyday entries, suppliers and payments, taxes, bank papers and credit, sharing with investors, Investor Desk for startups, and every Accountant screen for your CA.
121 pages, English, October 2026. About 7 MB.
The same guide is under Help in MiyeeBooks, in English and Gujarati, with an Open this screen button on every chapter.
Core bookkeeping free, with cloud storage up to 25 MB of books per company. Nothing to install - it runs in the browser.