The biggest financial mistake small businesses make is assuming every accounting task needs a CA.
This leads to:
- Unnecessary expenses
- Delayed execution
- Dependence on overloaded CA offices
This blog clarifies exactly when a CA is truly required.
You Need a CA When:
✔ Legal certification is required
Audit reports, tax audits, valuation certificates, and capital structuring require CA authority.
✔ You need tax planning
CA expertise helps reduce long-term tax risk.
✔ You need representation
During scrutiny or assessment procedures.
✔ You need compliance and ROC filings
Company law compliance is CA-governed.
You Do NOT Need a CA When:
✘ Filing monthly GST
This is operational, not conceptual.
✘ Maintaining books
Accountants handle day-to-day entries.
✘ Ecommerce reconciliation
Amazon/Flipkart reports require platform knowledge.
✘ TDS preparation
Clerical, process-driven work.
✘ Monthly reporting
MIS, cashflow, profitability — all accountant tasks.
✘ Payment gateway reconciliation
Razorpay, Cashfree, PayU etc. need data processing.
The Perfect Combination
Use a CA for high-level work.
Use an accounting firm for operational work.
This saves 50–70% while increasing accuracy.