Guides across every business dimension
Practical how-tos, explainers, and pitfalls across finance operations, websites, marketing, analytics, and automation — written by Priya Iyer and the Bizeract team, for global SME founders and operators.
EPF Scheme 2026 Explained: What the ₹15,000 Ceiling and 15-Day Return Mean for Your MSME Payroll
The Ministry of Labour notified the EPF Scheme 2026 on 29 June 2026, replacing the 71-year-old 1952 scheme. Rates and the ₹15,000 ceiling are unchanged, but employers now face 15-day returns, electronic filing, and liability for contractor defaults. Here is what changes for small-business payroll.
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CBDT's 6 Compulsory Scrutiny Triggers for FY 2026-27: Which Small-Business ITRs Get a 143(2) Notice
CBDT issued its compulsory-scrutiny guidelines for FY 2026-27 on 4 June 2026, listing six parameters (CS-01 to CS-06) that decide which FY 2025-26 returns face complete scrutiny. Selection is not random, and the Section 143(2) notice deadline is 30 June 2026. Here is what realistically affects an SMB.
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GSTR-3B Phase 2 Is Coming in 2026: How Locked ITC and the IMS Auto-Accept Trap Can Cost Your SMB Its Credit
After Phase 1 locked outward liability, GSTN is moving to Phase 2 — hard-locking Input Tax Credit in GSTR-3B to GSTR-2B values, targeted around July 2026. Take no action in the Invoice Management System before the 14th and an invoice auto-accepts into your credit. Here is the reconciliation workflow to set up first.
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GSTAT Is Live: Your 31 July 2026 Deadline and the 10% Pre-Deposit Trap Every MSME Must Avoid
The GST Appellate Tribunal began hearing cases on 16 February 2026, ending an eight-year void. Appeals for orders communicated before 1 May 2026 are now due 31 July 2026. The pre-deposit is an extra 10% over the 10% already paid — paid in cash, not ITC. Here is how to file without getting rejected.
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GSTR-9 and 9C for FY 2025-26: 5 Format Changes That Will Trip Up MSMEs Before 31 December 2026
The GST annual return for FY 2025-26 is due 31 December 2026, and Notification 16/2025 rebuilt GSTR-9 to auto-populate ITC from IMS data and demand rule-wise reversal disclosures. A new Table 17 auto-computes late fees separately for each form. Here is the checklist to start now, not in December.
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Agentic Commerce in India: How SMBs Get Their Products Sold by AI Shopping Agents in 2026
NPCI and Razorpay enabled ChatGPT to complete UPI purchases in India, with BigBasket the first merchant live. AI referral traffic to retail grew 393% YoY and converts about 42% better. If your catalogue is not machine-readable, agents cannot sell it. Here are the 7 steps to be sellable by machines.
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Creator-Led Commerce in India: Why SMBs Are Moving from Ad Spend to Affiliate Creator Deals in 2026
Indian creators now influence $350-400 billion in consumer spending and shape over 30% of purchase decisions, projected past $1 trillion by 2030. About 62% of brands say long-term creator partnerships beat one-off campaigns on ROI. Here is the data and a 90-day playbook to run creator commerce on a small budget.
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Four Labour Codes Are Live: What the 50% Wage Rule Does to Your MSME Payroll
The four Labour Codes took effect on 21 November 2025, folding 29 laws into four. The 50% wage rule can lift PF and gratuity costs 5-15%. Here is how small businesses should restructure salaries, appointment letters and PF/ESI before the Central Rules finalise.
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TCS on Foreign Remittances Cut to 2%: New LRS Rules from 1 April 2026
Budget 2026 cut TCS on education and medical remittances from 5% to 2% and made overseas tour packages a flat 2% with no threshold. On a ₹30 lakh transfer that is ₹60,000 less cash blocked. Here is what changes under LRS and how to reclaim TCS in your ITR.
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