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Memintel delivers nine integrated finance services through a single client relationship. Each service is powered by Canvas Cloud’s AI agents, computation engines, and reconciliation intelligence

1. GST Compliance

Complete GST lifecycle management. GSTR-1 preparation with 7-category invoice classification. GSTR-3B computation with full ITC adjustments — Section 17(5) blocked credit, Rule 37 non-payment reversal, Rule 42 exempt apportionment, RCM credit, and reconciliation adjustments. Government-portal JSON export. 5 GST monitoring agents watch for anomalies continuously.

  • 10 pre-filing validation rules with error and warning severity
  • Interest calculation (18%/24%) with per-head days-delayed breakdown
  • Late fee calculation with statutory caps (₹50/day regular, ₹20/day nil)
  • Section 49A ITC utilisation order (IGST→CGST→SGST) fully enforced

ITC Intelligence

  • Section 17(5) blocked credit auto-detection — keyword matching against 13 statutory categories with audit trail
  • Rule 37 reversal — auto-detects open AP invoices unpaid beyond 180 days
  • Rule 42 apportionment — proportional ITC reversal based on exempt/total turnover ratio
  • RCM credit computation
  • Reconciliation adjustment fed directly into ITC computation

2. TDS Compliance

End-to-end TDS management. Deduction computation per payment against applicable section rates. Challan generation and deposit tracking. Form 26Q and Form 27Q quarterly return preparation. Continuous monitoring for short deductions, deposit delays, and PAN mismatches.

  • 26AS reconciliation to verify deductions match government records
  • Lower deduction certificate tracking
  • NSDL-format text export for Form 26Q and 27Q

3. GSTR-2B Reconciliation

4-pass intelligent matching of your purchase records against GSTR-2B. Exact matching, amount-tolerant matching, invoice similarity matching, and unmatched classification. Human-supervised review for edge cases.

  • Bulk accept matches above configurable confidence threshold
  • Vendor follow-up emails auto-generated with invoice details — batch send to all non-compliant vendors in one click
  • Live ITC breakdown: confirmed, provisional, blocked, and at-risk credit

4. Bank Reconciliation

Daily automated matching of bank statement entries against GL records. Multi-pass matching with confidence scoring. Unreconciled items flagged immediately — not discovered at month-end. Duplicate detection, partial allocation, and missing entry identification.

5. Month-End & Year-End Close

Structured close process with automated validation gates. Trial balance verification. Suspense account clearance — non-zero balances flagged beyond one period. Accrual reversal verification. GST/TDS cross-verification against filed returns.

  • Close Readiness Score — a single number that tells you if the books are ready to close, updated continuously
  • 8-item checklist: bank reconciliation, suspense accounts, accrual reversals, AR aging, AP payments, cash position, GST readiness, GL variance
  • Blocking vs non-blocking issue classification — focus on what actually prevents close

6. Continuous Financial Monitoring

43 pre-built AI agents across 13 modules monitor your financial health around the clock. AR health: DSO, credit limit breaches, concentration risk, overdue invoices. AP management: large payments due, vendor concentration. Cash and treasury: position alerts, burn rate. GL variance: budget deviations. Close integrity: suspense accounts, accrual reversals, bank reconciliation status. GST risk: rate anomalies, liability spikes, ITC anomalies, classification errors. India compliance: MSMED payment delays, statutory dues, TDS compliance, revenue recognition.

Beyond pre-built agents, we define custom monitoring rules specific to your industry — “Alert if food cost exceeds 35% of revenue” or “Flag projects with unbilled revenue beyond 60 days.”

  • Configurable alert thresholds per client — each business gets monitoring tuned to their risk profile
  • Full alert history with audit trail — every alert timestamped with resolution status
  • Custom monitoring agents via natural language — describe any business rule and Canvas compiles it into a deterministic query

7. Advisory & CFO Reports

Monthly CFO advisory report combining your financial data with external market intelligence. Executive summary with top risks and actions. Compliance scorecard across all services. Prioritised actions ranked by rupee impact and deadline urgency — with specific invoice and entity references. ITC optimisation recommendations. Vendor and customer risk assessment. Industry benchmarks: DSO, DPO, margins vs sector averages. Competitor signals from public filings. Trend analysis showing what’s improving and deteriorating.

Also available: weekly email digests, on-demand advisory via natural language, and quarterly business review decks.

8. MIS & Financial Reporting

Auto-generated management reports from your ERP data. Profit & Loss, Balance Sheet, Cash Flow, segment-wise analysis, and budget vs actuals variance. Cross-ERP consolidation — if you run Tally for operations and a separate system for payroll, we consolidate both into unified MIS.

9. Income Tax & 26AS Reconciliation

Complete income tax compliance support. TDS deduction verification against 26AS — ensuring every deduction by your clients’ customers is reflected in the government’s records. Advance tax computation and tracking. Tax provision estimation for close. 26AS download, parsing, and automated reconciliation against your books — mismatches flagged instantly, not discovered during return filing.

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