Accto

Accto Our goal is to empower businesses across India .

Accto is your trusted legal and financial compliance partner, offering expert services in company registration, bookkeeping, FEMA compliance, ECB compliance, capital increase, director services, and more.

30/08/2026

ITR File பண்ண Deadline நாளைக்கு... இப்போவா ஞாபகம் வரணும்? 😅

August 31, 2026 - ithu ITR-3, ITR-4, illa ITR-5 file panna final date! Last minute la scramble aagadhinga, ippove file pannitu relax ah irunga! 🏃‍♂️

Ipove unga ITR file panna engala reach out pannunga!

Ungalukkum ithu madhiri "last day scramble" moment aachaa? Comment pannunga! 👇

23/08/2026

Startup-ல 50-50 Equity Split மிகப்பெரிய தப்பா? 🚨 Why 50/50 Fails

Co-founder oda business start pannitu 50/50 equity split plan pannringala? Stop pannunga! Equal share splits eppadi "Deadlocks" create pannuthu, startups destroy pannuthu nu ithu video la explain pannirukom Tamil la.

💡 50/50 Equity Split Yen Fail Aaguthu:

1️⃣ Decision Deadlock: Final deciding vote yaarukkum illa.
2️⃣ Unequal Contribution: Time pogapoga, one founder full-time work pannuvanga, another passive-ah irupanga.
3️⃣ Investor Rejection: VCs and Angel Investors clear majority decision-maker preference pannuvanga.

✅ Better Alternatives:

51/49 split illa tie-breaker mechanism vekkalam
Founder Vesting Schedules (4-year vesting with 1-year cliff)
Risk, capital, full-time commitment base panni dynamic equity

Video la full explanation irukku, watch pannunga! 👆 Unga startup ku correct equity structure plan pannunga!

19/08/2026

Advance Tax கட்டலனா Penalty வருமா? 😱 Income Tax Quarterly Split Explained

Advance Tax na enna, yaaru pay pannanum, quarterly split percentage rules simple Tamil la ithu video la explain pannirukom!

📌 Unga financial year tax liability (TDS kazhichi) ₹10,000 or more irundha, Advance Tax 4 instalments la pay pannanum:

📅 Advance Tax Due Dates & Percentage Split:

June 15 – 15%
September 15 – 45%
December 15 – 75%
March 15 – 100%

⚠️ Advance tax time-ku pay pannalana, Income Tax Act Section 234B & 234C kizhe interest penalties varum! Video la end varaikkum watch pannunga, extra fine charges save pannikonga!

15/08/2026

True freedom begins with financial clarity. 🇮🇳
​As we celebrate 80 glorious years of independence, take a moment to unlock the freedom that fuels sustainable growth—accurate ledgers, stress-free compliance, and clear financial vision.
​Happy 80th Independence Day! ✨
​

05/08/2026

GST Portal Error - GSTR-3B Submit பண்ண முடியல? இதே தான் பிரச்சனை 🚨

GSTR-3B submit pannradhu, illa e-Invoice generate pannradhu, GST Portal la block aagudha? Munnadi years la mismatches ku warning alerts mattum vandhuchu - ipo GST system Hard Validations enforce pannuthu, errors resolve pannama return filing completely lock aagidum!

🚨 Top 3 GST Hard Validation Triggers:

✅ ECRS & RCM Liability Mismatches: Available limits exceed pannura Input Tax Credit (ITC) claim pannradhu illa GSTR-2B or Electronic Credit Reversal & Reclaimed Statement (ECRS) la supporting data illama ITC improperly reclaim pannradhu.

✅ Missing/Unverified Bank Account Details (Rule 10A): Unga GSTIN oda bank details "Penny Drop" verification moolama portal la verify aagalana, filing illa refund claims madhiri system actions automatic-a suspend/block aagidum.

✅ 3-Year Return Time Bar & 30-Day IRP Window: 3 years ku mela old returns file panradhu, illa eligible businesses ku 30 days ku mela e-invoices upload panradhu - ivai hard cutoffs, portal validation failures cause pannum.

Video la full portal walkthrough irukku, watch pannunga! 👆 Unga portal errors clear panni, GST returns smooth-ah file pannunga!

29/07/2026

Small Business Owner-ஆ நீங்க? 🤔 Tax Audit இல்லாம Income Tax கட்டலாம்!

Detailed accounting books maintain pannradhula, heavy audit fees pay pannradhula tired ah irukingala? Income Tax Act Section 44AD kizhe, eligible small businesses presumptive basis la income tax pay pannalam - complex account books maintain pannama, tax audit pannama!

💡 Key Benefits for Business Owners:

✅ No Books of Accounts (Sec 44AA Exemption): Daily ledgers, sales bills, balance sheets maintain pannradhu venaam.

✅ No Mandatory Audit (Sec 44AB Exemption): Turnover limits ku ulla irundha, expensive audit fees pay pannradhu venaam.

✅ Turnover Limits: ₹2 Crore varaikkum applicable (digital/non-cash receipts 95% or more irundha ₹3 Crore varaikkum extend aagum).

🧮 6% vs 8% Profit Calculation:

6% Deemed Profit: Digital/bank modes (UPI, NEFT, Cheque, Cards) மூலமா vandha turnover ku
8% Deemed Profit: Cash மூலமா vandha turnover ku

⚠️ Crucial Rules & Lock-in Period:

Section 44AD opt panna ITR-4 (Sugam) file pannanum
Single Advance Tax Payment: March 15th ku mun 100% advance tax single instalment la pay pannanum
5-Year Lock-in Rule: 5 years ku ulla scheme la irundhu opt-out pannina, adutha 5 assessment years ku eligibility poidum, audit compulsory aagidum

Video la full calculation irukku, watch pannunga! 👆 Business tax easy-ah calculate panni, 100% compliant ah irunga!

26/07/2026

உங்க சம்பளத்துல PF & ESI எவ்வளவு பிடிப்பாங்க? 💸 2026 New Salary Calculation

Payroll compliance manage panra employer ah irundhalum, pay slip check panra employee ah irundhalum, PF & ESI contribution percentages correct-a therinjikaradhu mandatory!

🔹 ESI Contribution Rates (Gross Salary Limit: ₹21,000):
Employee Share: 0.75% of Gross Salary
Employer Share: 3.25% of Gross Salary
Total ESI Deposit: 4.00% ESIC portal ku pay pannanum

🔹 PF Contribution Rates (Basic + DA Limit: ₹15,000):
Employee Share: 12% of Basic Salary + DA
Employer Share: 12% total, idhula split aaguthu:

EPS (Pension Scheme): 8.33%
EPF (Provident Fund): 3.67%
Employer Admin Charges: Extra 0.50% (EDLI + Admin accounts)

Video la full step-by-step Excel calculation example irukku, watch pannunga! 👆 CTC break-up eppadi structure pannanum, portal compliance errors avoid pannalam nu therinjikonga!

19/07/2026

ESI கட்டலனா இப்படித்தான் லெட்டர் வரும்! 🚨

Employees' State Insurance Corporation (ESIC) la irundhu "failed to pay the contributions due" nu Regulation 31 kizhe compliance warning letter vandhirukka? Panic aagaadhinga! Ithu very common automated notice - employers ku monthly payment deadline miss aana andha adhu automatic-a generate aagum.
🚨 Enna Karanam Ithu Letter Vandhuchu:
ESI (General) Regulations, 1950 oda Regulation 31 padi, ella registered companies-um monthly ESI contributions subsequent month 15th date ku mun pay pannanum. Delay or non-payment detect pannina, system automatic-a warning letter generate pannidum.
🛠 Resolve Panra 2 Simple Ways:
Pay pannala na: ESIC Employer Portal la immediately login pannunga, pending amount + statutory interest rate calculate pannunga, online challan generate pannunga, dues clear pannunga.
Already pay pannirundha: Sometimes system glitch aana andha letters fire aagum, payment pannirundhalum. Idhula, unga paid online challan copy Sub-Regional Office (SRO) ku illa Authorized Officer ku submit pannina records update aagidum.
Video la full portal walkthrough irukku, watch pannunga! 👆 Business 100% compliant ah vekka eppadi check pannanum, respond pannanum nu therinjikonga!

12/07/2026

Marginal Relief-னா என்ன தெரியுமா? 🤔 ₹1,25,000 வரை Tax Save பண்ணலாம்! (Part 3)
In this video, we explain how Marginal Relief works under the New Tax Regime:
✅ What is Marginal Relief: Net taxable income slightly cross panna, marginal relief unga tax liability-a reduce panni help pannum - full slab tax kattanam nu illa.
✅ How it Works: Correct rates and thresholds apply pannina, neenga intha tax savings ku qualify aaguringala nu clear ah therinjikalam.
✅ Real Savings: Ithu calculation correct ah pannina, ₹1,25,000 varaikkum tax save pannalam!
Video la full step-by-step calculation irukku, watch pannunga! 👆 Unga own tax liability calculate panna detailed example venumna, comment pannunga! 👇

08/07/2026

₹12 லட்சத்திற்கு மேல் சம்பளமா? ⚠️ Rebate காலி! (Part 2)
In this video, we break down the brutal reality of the New Tax Regime when you lose the Section 87A Tax Rebate: 😨
⚠️ The Danger Limit: The ₹60,000 rebate is strictly applicable ONLY if your net taxable income is up to ₹12 Lakhs. Even a ₹1 increase means your rebate becomes ZERO, and you have to pay tax from the initial slabs!
🧮 Live Calculation Example (Salary: ₹13 Lakhs):
Minus Standard Deduction: ₹75,000 = Taxable Income: ₹12,25,000 💰
₹0 to ₹4 Lakh: NIL Tax
₹4 Lakh to ₹8 Lakh (5%): ₹20,000
₹8 Lakh to ₹12 Lakh (10%): ₹40,000
₹12 Lakh to ₹12.25 Lakh (15%): ₹3,750
Total Tax: ₹63,750 + 4% Cess = ₹66,300! 😱
Video la full calculation irukku, watch pannunga! 👆 Marginal relief eppadi work aaguthu nu explain pannirukom - ₹12 Lakh cross panna ITR eppadi file pannanum nu therinjikonga! 📝

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