CA in Mumbai: Chartered Accountant and CA Firm in Mumbai

What does a CA firm in Mumbai handle in a normal month?

Short answer: the GST returns, the TDS deposit, the books and anything the department sends. Below is how a typical month runs for a Mumbai business we look after.

People imagine a CA only shows up at year end. In practice, most of the work is monthly, and the year end is easy only when the months were done properly. This is the rhythm we follow for a regular GST taxpayer that also deducts TDS.

Quarterly filers under QRMP follow a lighter cycle. In Maharashtra their quarterly GSTR-3B is usually due on the 22nd of the month after the quarter, with monthly tax paid through a challan in between.

The 12th to 18th window matters more than people think. That is when we catch a supplier who forgot to upload your bill, or a credit note you never agreed to. Fix it then and the GSTR-3B goes out clean. Miss it and the gap shows up in a notice eighteen months later, with interest.

If your books are kept in-house, we can review them instead of rewriting them. If there is no accountant at all, our monthly bookkeeping service covers posting and bank reconciliation.

Profession tax in Mumbai: PTRC, PTEC and the February ₹300

Every Mumbai employer needs a PTRC to deduct profession tax from salaries, and the business or self-employed person needs a separate PTEC for its own yearly tax of up to ₹2,500.

The two certificates do different jobs. PTRC is the employer's registration for tax deducted from staff. PTEC is the enrolment for the entity's own tax. A private limited company with staff usually needs both, and so may its directors. Registration is meant to be applied for within 30 days of becoming liable.

That extra ₹100 in February is how the yearly total reaches ₹2,500. Payroll software set up by someone outside Maharashtra often skips it. The shortfall is small per person, yet across a team and a few years it turns into interest and penalty.

Payment timing

• PTEC holders enrolled by 31 May usually pay their yearly tax by 30 June.
• Employers whose PT liability in the previous year was below ₹50,000 pay yearly, by 31 March.
• Employers with liability of ₹50,000 or more pay monthly, by the last day of the month of deduction.

When we take over a Mumbai company that has run for years without PTRC or PTEC, we do not just register and move on. We work out the past liability, file the pending returns on the MahaGST portal and close the gap before an officer opens it.

Mistakes we fix most often in Mumbai books

Most of the problems we clean up in Mumbai are not fraud or bad intent. They are small habits that compound: a skipped reconciliation, a wrong ROC, a missing PT certificate.

Here is the honest list from our files. If you recognise two or more, it is worth a call before the next due date.

• Claiming credit from the purchase register, not GSTR-2B. Your supplier in Bhiwandi may have filed late or not at all. Credit you claimed without it showing in 2B will come back as a demand under DRC-01.
• Old company address on MCA. The registered office moved from Andheri to Thane years ago, but no INC-22 was filed. Now the ROC on record and the actual district do not agree.
• PTRC without PTEC, or the other way round. Owners assume one covers both. It does not.
• TDS deducted but deposited late. Interest runs from the date of deduction. Late filing of the quarterly statement adds a daily fee on top.
• Cash received for a single sale above ₹2 lakh. Income tax law bars it, and the penalty can equal the amount received. Retail traders still accept it near Diwali.
• Director KYC forgotten. MCA moved DIR-3 KYC to once every three years from 31 March 2026, and for many directors the next filing falls due by 30 June 2028; the MCA portal shows each DIN's status. A deactivated DIN still blocks every form until it is fixed.
• Personal and business money in one bank account. It makes every scrutiny reply harder, because each credit has to be explained line by line.

None of these need dramatic action. They need someone who looks every month. That is the main thing a CA firm on a yearly engagement gives you.

Billing big Mumbai corporates: IMS, TDS and MSME status

Large buyers release payment only when your invoice sits in their GSTR-2B, your TDS matches, and your Udyam status is on file. A vendor who keeps these three clean gets paid on time.

Vendor teams at large Mumbai groups are strict, and they are getting stricter. On the GST portal, the Invoice Management System (IMS) now lets your buyer accept, reject or keep pending each invoice you upload in GSTR-1. A rejected invoice means your buyer will not take the credit, and you will soon get a call from their accounts team.

What we check for vendors every month

• Every invoice uploaded by the 11th so it reaches the buyer's GSTR-2B for that month.
• Any invoice the buyer rejected in IMS, so we can fix it with an amendment or credit note quickly.
• TDS shown in Form 26AS and AIS against your sales ledger, buyer by buyer.
• Udyam certificate current and shared with the buyer's vendor team.

Why Udyam matters: income tax rules allow a buyer to claim payments to micro and small enterprises as an expense only if paid within the agreed time, capped at 45 days. Buyers therefore track MSME vendors carefully and tend to pay them faster. If you qualify and are not registered, an Udyam MSME registration is free and quick.

We also build a vendor KYC pack you can send in one go: GST certificate, PAN, Udyam certificate, cancelled cheque and a short note on filing status. New buyer onboarding goes from a week of back and forth to a day. When TDS deducted by a buyer does not appear in your 26AS, we ask for their TDS statement details and follow up until the credit shows.

What to keep ready before you call a CA firm in Mumbai

Have your GST login, last filed returns, bank statements and any notice handy. With these in front of us, the first call gives you a clear plan and a fixed fee.

The first call goes much further when we can see where things stand. You do not need everything; send what you have and we will tell you what is missing.

• GSTIN and the last three GSTR-3B acknowledgements
• PAN of the business, plus CIN or LLPIN if incorporated
• Bank statement for the last three months
• PTRC and PTEC numbers, if you have them, or a note that you do not
• Last year's income tax return and audit report if one was done
• Any notice, with the date it was received
• Payroll summary with staff count and salary range, for TDS and PT

How the work runs after that

You get a written scope with the fee. Once you confirm, documents come to us on WhatsApp, email or an upload link. We prepare the return, send a short summary, and file only after you say yes. The acknowledgement comes back to you the same day.

We work Monday to Saturday, 9 AM to 6 PM, and serve Mumbai fully online from our Ghaziabad office. Near deadlines, WhatsApp is the quickest way to reach us. If you need TDS handled separately, our TDS return filing service covers challans, quarterly statements and certificates.

Where a department insists on an original document, we tell you well in advance. Otherwise, digital signatures and OTP verification mean no one needs to travel across the city.