Finance Compliance OS · MarshallRidge
MarshallRidge Consulting

Never lose a tax deduction to a
missed MSME payment deadline.

The compliance platform for Section 37, Income-tax Act 2025 (the former Section 43B(h)) — built for companies that pay micro & small vendors, and the CAs who advise them.

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One missed date now costs the deduction

15 / 45
days to pay micro & small vendors under MSMED s.15
100%
of the unpaid expense disallowed at FY-end
RBI bank rate interest on delays — not deductible
2
statutory disclosures a year: Form 3CD cl.22 + MSME Form-1

The complete Finance Compliance OS

Every module on one data core — one login, one audit trail.

MSME Payment Compliance

Section 37 / 43B(h) engines — classification, due dates, disallowance, interest. The core.

MSME Form-1

Half-yearly MCA return of amounts outstanding >45 days, export-ready.

TDS / TCS

Deduction tracking and returns support on the same vendor data.

GST Reconciliation

GSTR-2B matching and ITC reconciliation.

AP Automation

Payment priority worklists and maker-checker approvals.

Vendor Compliance Vault

Udyam, PAN, GSTIN and declarations — verified, point-in-time, evidence attached.

Regulatory Evidence Vault

Hash-verified documents and an audit-proof computation trail.

Audit Workpapers

Form 3CD clause 22 packs your auditor signs without rework.

Five engines do the heavy lifting

Compliance logic your auditor can stand behind — versioned for every financial year.

Vendor Classification

Bulk Udyam/PAN verification, micro–small tagging, trader-exclusion logic.

Due-Date Engine

Counts from acceptance per MSMED s.15. Agreement: 45 days. None: 15.

Disallowance Engine

FY-versioned rules cite 43B(h) or Section 37 (new Act) correctly per year.

Interest Engine

s.16 interest at 3× RBI rate, compounded monthly — the liability most never see.

Ingest Layer

Excel and Tally import with fuzzy matching and per-row error reports.

One platform, four ways in

AP team

Compliance Workspace

Import, classify, track due dates, prioritise payments.

CFO / Controller

CFO Dashboard

Live disallowance exposure in ₹, top risk vendors, FY-end countdown.

Auditors

Audit Pack Generator

Clause 22 working papers, Form-1 data, hash-verified evidence — one click.

CA firms

CA Partner Portal

Every client in one login, white-label reports, co-branded packs.

Meets your books where they are

Excel / CSVTallyZoho BooksBusySAPOracleMS Dynamics

Document AI

OCR for invoices, Udyam certificates and agreements — structured data with human review on low-confidence fields.

AI Tax Copilot

Ask questions of your own compliance data. Every answer grounded and cited — auditor-safe, never speculative.

Built like the financial system it serves

  • All data in AWS Mumbai — nothing leaves India
  • KMS encryption at rest, TLS 1.3 in transit
  • Append-only, hash-chained audit logs
  • DPDP Act 2023 ready
  • Row-level tenant isolation in the database
  • Every engine rule signed off by practising CAs

Make your next audit the easy one.

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MarshallRidge Consulting Private Limitedcontact@marshallridgeconsulting.in · +91 77188 66506Unit No. 52, 2nd Floor, C-39A, Gami Industrial Park, MIDC, Thane, Navi Mumbai, Maharashtra 400705, India