CA vs Accountant: What’s the Difference? (FY 2025-26 Clear Guide for Business Owners)

Choosing between a Chartered Accountant (CA) and a Professional Accountant is confusing for many business owners. Both roles sound similar, but their responsibilities, pricing, and purpose are very different.

If you’re a business owner in India, understanding this difference can help you:

  • Save 50–70% on monthly accounting
  • Improve financial accuracy
  • Avoid unnecessary CA fees
  • Choose the right expert for the right job

This guide explains the difference in a simple, practical way — based on real business needs.


What a Chartered Accountant (CA) Specialises In

A CA is a highly qualified professional who handles functions involving certification, statutory authority, and legal compliance.

A CA is required for:

✔ Statutory audit

✔ Tax audit

✔ Certification & attestation

✔ ROC/LLP compliance

✔ Financial statement signing

✔ Complex tax planning

✔ Valuation & capital structuring

These activities are governed by ICAI and cannot be performed by a non-CA.


What an Accountant or Accounting Firm Specialises In

Accountants handle day-to-day finance operations, which make up nearly 90% of your monthly business accounting tasks.

An accountant is best suited for:

✔ Bookkeeping

✔ GST monthly filing

✔ TDS returns

✔ Monthly MIS reports

✔ Vendor/customer ledger maintenance

✔ Inventory & expense tracking

✔ Ecommerce marketplace accounting

✔ Reconciliation (Amazon, Flipkart, Shopify, Myntra, Ajio etc.)

✔ Payment gateway reconciliation (Razorpay, PayU, Cashfree etc.)

For monthly recurring work, an accounting firm is faster, more affordable, and more specialised than a CA.


CA vs Accountant — Real-World Comparison

Here’s a straight, honest comparison every business owner should see:

TaskCA Required?Ideal Professional
Audit✔ YesCA Firm
Tax advisory✔ YesCA
ROC & legal compliance✔ YesCA
GST monthly filing✖ NoAccountant / Accounting Firm
Bookkeeping✖ NoAccountant
Ecommerce accounting & reconciliation✖ NoSpecialist Ecommerce Accountant
Monthly reports & MIS✖ NoAccounting Firm
Payroll & TDS✖ NoAccountant

Conclusion:
Use a CA for certification & compliance.
Use an accounting firm for monthly operations.

This model saves cost and gives better output.


Why Most Businesses Choose “Hybrid Accounting” in 2025

Modern businesses prefer a combination approach:

➤ CA handles

  • Audit
  • Tax planning
  • Compliance
  • Certifications

➤ Accounting firm handles

  • Monthly bookkeeping
  • GST
  • Ecommerce reconciliation
  • Reports
  • Financial tracking

This gives you:

  • Lower monthly expenses
  • Industry-specific expertise
  • Faster turnaround
  • Better accuracy
  • Full support on WhatsApp/phone
  • Scalable financial operations

Why Om Accounting Is Preferred by Modern Businesses

Om Accounting is trusted by ecommerce sellers, service businesses, and SMEs because we provide:

✓ Accurate monthly bookkeeping

✓ GST return filing

✓ Ecommerce platform reconciliation

(Amazon, Flipkart, Meesho, Shopify, Ajio, Myntra etc.)

✓ Marketplace settlement reports

✓ MIS & profitability dashboards

✓ Inventory and order-level tracking

✓ Expert support on WhatsApp/Phone

We focus on precision, transparency, and fast execution — at a cost that is 60–70% lower than traditional CA firms for monthly work.

If you need monthly accounting or ecommerce support, we’re here to help.

📞 Call/WhatsApp: +91 80944 44888
🌐 www.OMaccounting.in

Frequently Asked Questions (FAQ)

Do I need a CA or an accountant for GST filing?

For GST monthly filing, an accountant is enough. A CA is not legally required.

Is bookkeeping a CA responsibility?

No. Bookkeeping is operational work handled by accountants or accounting firms.

Should ecommerce sellers hire a CA?

For monthly functions like reconciliation, GST, and accounting — hire an ecommerce accounting specialist.
CA is only needed for audit or tax planning.

Which one is cheaper — CA or accounting firm?

Accounting firms are significantly more affordable for monthly work.
CAs are required only for specific compliance tasks.

Can I hire both a CA and an accounting firm?

Yes. This is the best and most efficient structure.

What tasks require a CA by law?

Audit, certification, and company law compliance.

What tasks do NOT require a CA?

GST filing, bookkeeping, reconciliation, MIS reports, payment gateway matching, and ecommerce accounting.

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