Tools for CA Firms / GST Invoicing Software
FinNilai: GST Invoicing and Finance Software for Indian Small Businesses
FinNilai is a two-plan, browser-based GST invoicing app from Plenitude Systems in Kallakurichi, Tamil Nadu, built for founders and small teams who are not accountants. Its tagline sets out its position: "GST invoicing & finance, without the Tally tax." The business issues invoices and collects payments; the CA gets GSTR exports and a Tally XML file.[1]
₹0
Free plan: 1 user, 20 invoices a month[3]
₹999
Business plan, per month, excluding 18% GST[3]
14 days
Business trial, no card required[3]
90 sec
setup time FinNilai says signup takes[1]
Prices and setup time as published by FinNilai. This profile is an independent description written from the company's public pages; every source is listed at the bottom.
Overview
What FinNilai is
FinNilai describes itself as "GST-compliant invoicing & finance for Indian SMBs".[5] It runs in the browser with nothing to install, and covers the money side of a small business from the first quotation to the month-end hand-off: GST invoices, e-invoices and e-way bills, vendor bills and input tax credit, bank reconciliation, inventory, collections and cash flow forecasting.[1]
It is not a return-filing tool. FinNilai prepares GSTR-1, GSTR-3B and GSTR-4 data as CSV exports and produces a Tally XML file, and its FAQ says the business can "hand the GSTR-1 export and Tally XML to your CA for filing; everything before that is self-service".[1] This directory's other profiles cover Munim, which sells a separate GST filing product, and FinBooks, which centres on AI bookkeeping from uploaded documents.
Why it was built
"Too heavy to learn or too American to file"
FinNilai's About page says most invoicing tools in India were "either designed for US businesses and bolted GST on later, or designed in 2003 and never updated". The company says it started FinNilai because every founder it spoke to had the same complaint: "the existing options are either too heavy to learn or too American to file."[2]
Its answer is a product it describes as "built for Indian SMBs, not adapted from one", funded entirely by customer subscriptions, with no ads and no sale of customer data.[2]
- 01
GST is built in, not added on
FinNilai says every invoice, bill and report assumes Indian compliance: HSN, IGST/CGST/SGST, place of supply and e-invoice where applicable, with no "India region" setting to switch on.
- 02
Data stays in India
Operational data is held on a dedicated server in Mumbai operated by the company itself, with any cross-border transfers disclosed in its privacy policy.
- 03
Two plans, published prices
No hidden seats and no "contact sales" for basic features, in the company's words.
- 04
Made for non-accountants
Founders, operations staff and admin assistants issue invoices themselves; the CA receives a Tally XML file to file from.
- 05
Security on every plan
Two-factor authentication, workspace isolation, an audit log and encryption at rest are included on the Free plan as well as Business.
The five principles as listed under "What we believe" on FinNilai's About page.[2]
Positioning
FinNilai vs Tally and Zoho Books
FinNilai's homepage puts its position in one line: "Cheaper than Tally. Simpler than Zoho." It publishes the comparison below, which is reproduced here as FinNilai's own claim, not as an independent test.[1]
| Feature (as FinNilai lists it) | FinNilai | Tally | Zoho Books |
|---|---|---|---|
| Cloud, work from anywhere | Add-on | ||
| GST auto-updated (no CA download) | |||
| UPI QR + Razorpay collection | Basic | ||
| E-invoice IRN + e-way bill | Premium+ | ||
| CA portal (invite your CA) | |||
| Bank statement auto-reconcile | |||
| Tally XML export | Native | Manual | |
| Data hosted in India (Mumbai) | |||
| Starts free | |||
| Setup time under 90 seconds |
Source: FinNilai's homepage, which states that the comparison "reflects the standard published plans of each product as of October 2026", that coverage may vary by SKU, and that FinNilai has no affiliation with Tally Solutions or Zoho.[1]
What each vendor publishes about price
The three products are sold in different ways, so entry prices are not like-for-like. Each row below is taken from that vendor's own pricing page on 29 October 2026.
FinNilai[3]
- Entry pricing
- Free plan (1 user, 20 invoices a month). Business ₹999 a month or ₹9,999 a year, excluding 18% GST.
- Trial
- 14 days of Business, no card.
- How it is sold
- Two plans; Business has no user or invoice caps.
Zoho Books[8]
- Entry pricing
- Free plan while financial-year revenue stays within ₹25 lakh. Standard ₹749 a month billed annually (₹899 monthly), per organisation, excluding taxes; paid plans run to Ultimate at ₹7,999.
- Trial
- 14 days.
- How it is sold
- Six plans, priced per organisation with set user counts (3 users on Standard, 25 on Ultimate).
TallyPrime[9]
- Entry pricing
- Pricing page shows "Price starts at ₹750 + 18% GST" without naming the plan or period.
- Trial
- 7-day free trial.
- How it is sold
- Downloadable software, with rental, monthly subscription and Cloud Access options listed.
Where Tally fits in FinNilai's workflow
FinNilai is built to sit beside Tally rather than replace it at the CA's end. Both plans include a Tally XML export "to hand off to your CA", and FinNilai lists a direct TallyPrime sync as on its roadmap.[1][3] TallyPrime itself is downloadable software from Tally Solutions, with rental, monthly subscription and Cloud Access options listed on its site.[9]
Where Zoho Books differs
Zoho Books publishes six plans priced per organisation, each with a set number of users, and a free plan for businesses with financial-year revenue up to ₹25 lakh; it lists GST reports and filing on the free plan and e-invoicing from Standard.[8] FinNilai's pricing FAQ names this tier structure as the reason it sells only two plans: "You shouldn't have to compare 6 SKUs to file your GST return."[3]
Features
From first invoice to month-end close
FinNilai says a new user can get from sign-up to a first reconciled invoice in 15 minutes, in four steps.[1]
- 1
Sign up and add the GST profile
Workspace name, GSTIN, state, signatory and bank details. FinNilai says this takes 90 seconds and seeds sample data so the dashboard is not empty.
- 2
Issue the first invoice
Add a client, draft an invoice with line items, generate a branded PDF and send it by email or WhatsApp.
- 3
Get paid and reconcile
The customer pays through the UPI QR code or Razorpay link on the invoice. The invoice is marked paid and the bank transaction is recorded.
- 4
Close the month
Bills recorded, transactions reconciled, GSTR-1 ready to export and a Tally XML file for the CA, with P&L and cash position on the dashboard.
FinNilai features by area
GST invoicing
Tax invoices with CGST, SGST and IGST splits, HSN/SAC codes, PDF generation, and sharing by email, WhatsApp or a public link. Quotations, credit notes, debit notes, delivery challans, purchase orders and recurring invoices. Composition scheme and Bill of Supply are supported.
E-invoice, e-way bill and returns
E-invoice registration with IRN and signed QR, e-way bills through the NIC portal, GSTR-2B reconciliation, and GSTR-1, GSTR-3B and GSTR-4 CSV exports. TDS tracking is listed on the Free plan.
Payables and ITC
Vendor bill capture with receipt attachments, input tax credit tracking, party ledgers and AP ageing.
Banking
Bank statement import by CSV from any Indian bank, auto-categorisation, and matching of transactions to invoices and bills.
Cash flow and reports
Cash flow forecasts of 4 to 26 weeks built from invoices, bills and recurring rules, plus P&L, AR and AP ageing, customer statements and stock valuation.
Inventory
An item master with variants and weighted average costing, per-vendor pricing, automatic stock decrement and adjustments recorded in an audit log.
Collections
A UPI QR code and Razorpay payment link on every invoice, automated payment reminders, and manual mark-paid for bank transfer, cash and cheque.
Team, roles and multi-currency
Owner, admin, member and viewer roles with invitation links, TOTP two-factor authentication, and billing in INR plus USD, EUR, GBP, AED, SGD, AUD and CAD.
API and webhooks
FinNilai publishes an API reference and a webhook reference; both sit behind a FinNilai sign-in.
Feature descriptions from FinNilai's homepage and pricing page. Some features are on the Business plan only; see pricing below.[1][3]
Who it is for
Built for the business owner, with a hand-off to the CA
FinNilai's FAQ answers "Do I need a CA to use FinNilai?" with "No", saying it is designed for people who are not accountants. The CA remains part of the picture through exports and an invited portal.[1]
Audience as described on FinNilai's homepage, pricing, contact and trust pages.[3][5][4]
- Solo traders and freelancers
- The audience FinNilai names for its Free plan, with 1 user and 20 invoices a month.
- Founders, agencies and small businesses
- The site's headline audience. FinNilai says the product is designed for "founders + ops folks who aren't accountants".
- Growing businesses
- FinNilai's pricing page puts the move to Business at "the moment you hire, or your CA wants in, or you cross ₹5 Cr"; e-invoice IRN, which it notes is mandatory above ₹5 Cr turnover, is a Business feature.
- Teams of more than 25
- The contact page invites teams larger than 25 to write in about sales and partnerships.
- The business's CA
- Not the buyer, but part of the workflow: the CA can be invited to a portal with access limited to the sections granted, or handed a Tally XML file and GSTR exports for filing.
Pricing
FinNilai pricing: Free and Business
FinNilai sells "one free plan for solo businesses, and one paid plan for everything else". Prices exclude 18% GST and are as published in October 2026.[3]
Free forever
₹0 a month
For solo traders and freelancers, according to FinNilai.
- 1 user, 20 invoices a month, 100 MB for attachments
- GST invoices, UPI QR and Razorpay links
- GSTR-1, 3B and 4 CSV exports
- Tally XML export
- Quotations, credit notes, TDS tracking
- Vendor bills, party ledgers, basic P&L
- Item master with variants
- 2FA, audit log, session tracking
Business
₹999 a month, or ₹9,999 a year
Prices exclude 18% GST. The annual plan works out to ₹833 a month.
- Unlimited invoices and unlimited team
- E-invoice IRN and e-way bill
- GSTR-2B reconciliation
- CA portal
- Bank statement auto-reconcile
- Payment reminders and customer statements
- Recurring invoices, challans, POs, debit notes
- Multi-currency, cash flow forecast, ageing, stock valuation
- Priority support on WhatsApp and email, within 8 business hours
- Trial: every new sign-up gets 14 days of Business without a card, then subscribes or falls back to Free.[3]
- Cancelling: Business continues to the end of the billing cycle, then drops to Free with historical data still viewable.[3]
- Referrals: ₹500 credit each for the referrer and the new workspace when it upgrades to Business.[3]
Who built it
Plenitude Systems, Kallakurichi
FinNilai is operated by Plenitude Systems Private Limited, CIN U62012TN2026PTC192818, with its registered office in Kallakurichi, Tamil Nadu.[5] The company says it works remotely with clients worldwide, with roots in the Kallakurichi–Villupuram region.[7]
Plenitude has two arms. Plenitude Labs builds and runs the company's own products, of which FinNilai is one; Plenitude Studios builds websites, mobile apps, enterprise platforms and AI features for other businesses. Its About page lists an income-tax filing SaaS and a restaurant point-of-sale among the products it has shipped.[6]
FinNilai's website describes the team as "a small team of engineers and Indian-SMB veterans who've issued our own share of GST invoices". Neither FinNilai's site nor Plenitude's names individual founders.[2][6]
Plenitude Labs products
- FinNilai
- PlanITude
- Nilah POS
- Varisai
- ServEaseNow
- AgaNool
- Star Thief
- Pollitix
- Legal entity
- Plenitude Systems Pvt Ltd
- Registered office
- Kallakurichi, Tamil Nadu
- Funding
- Customer subscriptions
- Company website
- plenitude.in
Product list from Plenitude Systems' About page; funding from FinNilai's About page.[6][2]
Data and security
Where FinNilai keeps business data
From FinNilai's Trust & security page, last updated by FinNilai on 18 July 2026. FinNilai also publishes a data processing agreement and a DPDP disclosure, and accepts vulnerability reports at security@finnilai.com.[4]
- Hosting
- Database, application and files on a dedicated server in Mumbai operated by Plenitude Systems. Workspace data stays in India; Sentry processes transient diagnostic data in the US.
- Encryption
- Postgres 17 with AES-256 full-disk encryption (LUKS); TLS 1.2+ with HSTS.
- Isolation
- Postgres row-level security restricts every query to the member's own workspace.
- CA access
- Limited to the sections the business grants, and revocable.
- Staff access
- Requires a typed reason, is audited, emails the workspace owner and expires automatically; it can be disabled in settings.
- Backups
- Nightly encrypted dumps to the primary server, Cloudflare R2 and a secondary server in Hyderabad, with daily restore checks.
- Deletion
- 30-day cooling-off period, then hard deletion. Full data export as JSON.
- Certifications
- None listed as held. SOC 2, ISO 27001 and external penetration tests are listed as roadmap items.
Getting started with FinNilai
FinNilai is a web app; the pages reviewed do not mention desktop or mobile apps. Sign-up starts the 14-day Business trial without a card or a demo call.[1][2]
Support, sales, billing and grievance requests all go to contact@finnilai.com, and FinNilai says it answers within one business day. The Business plan adds priority support on WhatsApp and email within 8 business hours.[5][3]
FAQs
Questions about FinNilai
What is FinNilai?
FinNilai is cloud-based GST invoicing and finance software for Indian small businesses, made by Plenitude Systems Private Limited of Kallakurichi, Tamil Nadu. It covers GST invoices, e-invoicing and e-way bills, vendor bills, bank reconciliation, inventory, payment collection by UPI and Razorpay, and GSTR and Tally XML exports for the business's CA.
Is FinNilai free?
FinNilai has a Free forever plan for 1 user and up to 20 invoices a month, with 100 MB for attachments. It includes GST invoicing, GSTR-1, GSTR-3B and GSTR-4 CSV exports and Tally XML export. Every new sign-up also gets 14 days of the Business plan without a card.
How much does FinNilai cost?
The Business plan costs ₹999 a month or ₹9,999 a year (about ₹833 a month), excluding 18% GST, with no limits on invoices or users. The Free plan costs nothing. Prices are as published on FinNilai's pricing page in October 2026.
Who makes FinNilai?
FinNilai is operated by Plenitude Systems Private Limited (CIN U62012TN2026PTC192818), headquartered in Kallakurichi, Tamil Nadu. FinNilai is one of the products of Plenitude Labs, the company's product arm. Its website describes the team as engineers and Indian small-business veterans but does not name individual founders.
How is FinNilai different from Tally?
FinNilai is a browser-based cloud app with a free plan, while TallyPrime is downloadable software with cloud access offered as an option. FinNilai does not replace Tally on the CA's side: it exports Tally XML so the CA can import the books, and its website lists a direct TallyPrime sync as on the roadmap. FinNilai's own comparison also marks a CA portal and UPI and Razorpay collection as features Tally does not have.
How is FinNilai different from Zoho Books?
Zoho Books sells six plans priced per organisation, from a free plan for businesses with revenue up to ₹25 lakh to Ultimate at ₹7,999 a month billed annually. FinNilai sells two plans: Free, and Business at ₹999 a month with no user or invoice caps. FinNilai says its two-plan structure is meant to avoid making sign-up "a math problem".
Does FinNilai support e-invoicing and e-way bills?
Yes, on the Business plan. FinNilai lists e-invoice registration with IRN and signed QR, and e-way bill generation through the NIC portal. GSTR-2B reconciliation is also a Business feature.
Can a CA access a client's books in FinNilai?
Yes. On the Business plan a business can invite its CA to a CA portal, with access limited to the sections it grants and revocable at any time. On either plan, the business can export GSTR CSV files and a Tally XML file to hand to its CA.
More in Tools for CA Firms
- Tools for CA Firms: the full directory →
- Riko AI: AI analysis software above Tally →
- Munim: accounting, billing and GST software →
- FinBooks: AI accounting and bookkeeping software →
- ProfitBooks: cloud accounting software since 2012 →
- Cloud vs desktop accounting software for Indian businesses →
- The 5 software categories every CA firm needs in 2026 →
Sources
- [1] FinNilai: Official website (features, comparison, workflow, FAQ)
- [2] FinNilai: About
- [3] FinNilai: Pricing
- [4] FinNilai: Trust & security
- [5] FinNilai: Contact
- [6] Plenitude Systems: About
- [7] Plenitude Systems: Locations
- [8] Zoho Books: Pricing (India)
- [9] Tally Solutions: TallyPrime pricing
All sources checked on 29 October 2026.
This page is part of an independent directory of software used by CA firms. It is not affiliated with or endorsed by Plenitude Systems Private Limited. Information is taken from FinNilai's public sources as of 29 October 2026; confirm details with FinNilai. Product names, logos and trademarks belong to their owners, including Tally Solutions and Zoho Corporation.