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:
| Task | CA Required? | Ideal Professional |
|---|---|---|
| Audit | ✔ Yes | CA Firm |
| Tax advisory | ✔ Yes | CA |
| ROC & legal compliance | ✔ Yes | CA |
| GST monthly filing | ✖ No | Accountant / Accounting Firm |
| Bookkeeping | ✖ No | Accountant |
| Ecommerce accounting & reconciliation | ✖ No | Specialist Ecommerce Accountant |
| Monthly reports & MIS | ✖ No | Accounting Firm |
| Payroll & TDS | ✖ No | Accountant |
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.
