The pain MSMEs live with every day
Complex to discover. Hard to manage. Costly to sustain. Difficult to grow.
Six challenges. One business. Why should an MSME need six different solutions?
That's why we built MSME-COMPASS.
Overall impact on micro enterprises
- Missed opportunities
- Cash flow struggles
- Compliance risks
- No visibility
- Limited growth
- Business owner stressed
- Time lost in non-core work
MSMEs need a system that discovers opportunities once, then runs the entire business automatically every day.
Discover smartly
Find the right incentives
Automate daily operations
Zero-voucher accounting
Stay compliant
On time, every time
Grow confidently
Real-time business insights
Run your entire business,
not just your accounts.
MSME-COMPASS is India's AI-powered Business Operating System for growing MSMEs—combining Zero Voucher Accounting, GST, compliance, government schemes, funding and business intelligence in one intelligent Command Centre.
14-day free trial · No credit card · Migrate from your existing software in a day
Zero-Voucher Accounting means you approve one document — everything else updates itself, automatically.
Most MSMEs juggle multiple spreadsheets, scattered compliance reminders, and hours of manual GST filing — with nothing connecting it all. MSME-COMPASS was built by practising Chartered Accountants who saw this firsthand, so your business runs on one connected system instead of five disconnected ones.
Navigating your business to success
What you get inside MSME-COMPASS
- Automatic accounting — you enter only sales and purchase invoices
- GST billing & filing
- Due-date calendar so no return or payment is missed
- Government subsidy and scheme finder for your business
- Loan & funding solutions
- Project reports
Everything works together, so you always know your profit, your cash position and your next step.
Revenue (12 months): ₹742L, +24.6% YoY.
Business Health Score: 86 / 100 · Strong.
- Compliance: 94 / 100
- Credit health: 81 / 100
- Growth: 78 / 100
Business Health Dashboard · FY 2026-27
Gross margin
38.4%
+2.1
Receivable days
62
-7
Cash runway
7.4 mo
+1.2
Business Health Score
Action feed
Zero
vouchers to pass
4 min
to monthly GST-ready books
₹1,400cr+
in schemes mapped
3.2x
faster funding readiness
GSTN-compliant · Bank-grade encryption · Data hosted in India
Defining a category
MSMEs were never short of accountants.
They were short of an operating system.
A ₹50 lakh–₹100 crore business runs on twelve disconnected things: a ledger tool, a WhatsApp group, an Excel sheet, a CA, a bank RM and a consultant who knows about schemes. We replaced all of it with one system that thinks like an owner.
The old category
Accounting software
Records what already happened. Built for the person who passes entries — not the person who runs the business.
The new category
Business Operating System
Runs the business itself: books generate themselves, compliance runs on autopilot, and capital, schemes and strategy live in the same screen.
Your business on one screen
Accounting software tells you what happened last quarter. MSME-COMPASS tells you what to do this week — and does most of it for you.
Business Health Dashboard
One score across compliance, cash, credit and growth — updated the moment an invoice is raised.
Cash & Profit Intelligence
See margin by product, customer and month without asking anyone to pull a report.
Compliance Calendar
Every GST, TDS, PF and ROC deadline tracked with owner, status and auto-reminders.
Credit Health & Funding Readiness
Know your lender-view score before the bank does, and exactly what to fix.
You enter two things.
We generate everything else.
No debit-credit. No voucher types. No waiting for your accountant to 'finalise the books'. Record a Sales Invoice or a Purchase Invoice — the entire accounting stack builds itself in the background.
You do this
Audit-ready books, every single day. Your CA logs in and exports — nothing to chase at year end.
Your business day, running itself
From the moment you raise your first invoice to the moment your books close for the day.
9:00 AM · First sale
Scan the invoice
Photograph any invoice — journal entries post themselves in the background while you get back to work.
Zero Voucher Accounting
1:00 PM · Mid-day
Check your numbers
Live cash position, receivables ageing and today's sales — from your phone, without waiting for month-end.
Business Intelligence
4:00 PM · Compliance
Stay ahead of due dates
GST, TDS and ROC deadlines tracked automatically, state-aware — no last-minute portal scrambles.
Compliance Calendar
7:00 PM · Closing time
Books are already closed
Ledgers, registers and reports updated in real time. Nothing left to reconcile tomorrow morning.
Financial Reports
A clear path from ₹50 lakh to ₹100 crore
Most MSMEs don't fail at accounting. They stall because nobody maps the next move. MSME-COMPASS makes the next move obvious.
Navigating your business to success
Scheme matches for your profile
40+ tracked · 5 matchedCredit Linked Capital Subsidy
Technology upgradation · Central
Interest Subvention Scheme
Incremental credit · Central
State Capital Investment Subsidy
Manufacturing · State
ZED Certification Support
Quality · Central
CGTMSE Credit Guarantee
Collateral-free credit · Central
Claim the money that is already yours
Central and state governments run hundreds of MSME schemes. Most owners hear about them too late. We match live schemes to your sector, state, turnover and Udyam profile — then track the application to disbursement.
- Personalised eligibility, not a generic scheme directory
- Document checklist auto-built from your own records
- Deadline alerts so nothing lapses
- New schemes surface automatically the day they are notified
Capital that comes to you, on your numbers
Because your books are always current, lenders see a verified business — not a shoebox of files. Compare offers from banks, NBFCs and fintechs without a single branch visit.
₹75L
Working capital line
Indicative rate from 10.4%
Funding readiness 82/100 for this product
₹2.4cr
Machinery term loan
Indicative rate from 11.2%
Funding readiness 82/100 for this product
₹38L
Invoice discounting
Indicative rate from 0.9%/mo
Funding readiness 82/100 for this product
The CFO you couldn't afford to hire
Ask in plain English, Hindi, Marathi or Tamil. The advisor reads your live books, sector benchmarks and compliance status — then answers with numbers and a recommended action.
Compass Advisor
Reading live books…Not another ledger. A business operating system
Built for owners, not bookkeepers
Every screen answers a business question, not an accounting one.
Compliance as a by-product
GST, TDS and filings flow out of the work you already do.
Growth capital built in
Schemes and lenders sit inside the product, not in a consultant's inbox.
Decisions in one click
Health score, roadmap and advisor turn data into the next action.
Migrate in a day
Bring masters, invoices and opening balances from your current tool.
Made in India, for India
GSTN-ready formats, Indian banking rails, Hindi and regional support.
Built by accountants who have signed audit reports
Certivault Technologies — founded by Chartered Accountants with two decades across audit, forensics and enterprise ERP.
2×
True double-entry
Every transaction posts correctly — your CA gets a Trial Balance they can audit.
ERP
Enterprise-grade design
Period locks, approval workflows and audit trails, priced for MSMEs.
IN
Data stays in India
Indian hosting and DPDP Act compliance — export your books any time.
CA
Works with your CA
A shared workspace that ends the year-end shoebox of documents.
Traditional accounting software vs MSME-COMPASS
Costs less than one missed opportunity
All plans include free migration, free CA access and a 14-day trial.
Launch
Up to ₹2 cr turnover
₹1,199/mo
billed annually · GST extra
Start Free Trial- Zero Voucher Accounting
- GST filing (GSTR-1 & 3B)
- Compliance calendar
- Business health dashboard
- 2 users
Growth
₹2–10 cr turnover
₹3,199/mo
billed annually · GST extra
Start Free Trial- Everything in Launch
- AI Business Advisor
- Government scheme discovery
- Funding marketplace access
- Credit health & readiness score
- 10 users + CA access
Scale
Multi-unit & export
₹7,199/mo
billed annually · GST extra
Start Free Trial- Everything in Growth
- Multi-branch & multi-GSTIN
- Growth roadmap workshops
- Priority funding desk
- Dedicated success manager
- Unlimited users
Questions, answered
Stop maintaining accounts. Start running growth.
Join Indian MSMEs using MSME-COMPASS to close their books automatically, stay compliant and unlock capital and government incentives.
14-day trial · Free migration · Cancel anytime