Insights & Perspectives

Financial thinking for
modern businesses.

Practical articles, guides, and perspectives from CA Vishal Goyal โ€” written for business owners, not accountants.

Latest Articles
๐ŸŒFEMA
FEMA structuring for Indian startups expanding to the US: what founders must know

Flipping to a Delaware C-Corp, setting up an ODI, or taking on US investors โ€” every path has FEMA implications that founders routinely miss.

๐Ÿ’ธCash Flow
Cash flow vs profit: the difference that kills otherwise healthy businesses

A business can be profitable on paper and still run out of cash. Understanding why โ€” and fixing it โ€” is the most important financial skill a founder can develop.

๐Ÿš€Startups
ESOP taxation in India: a plain-English guide for founders and employees

ESOPs are a powerful tool for attracting talent โ€” but the tax implications at exercise and sale are often misunderstood. Here's what actually happens.

๐Ÿ“‹GST
ITC mismatch notices in 2025: why you're getting them and how to respond

GSTN's reconciliation engine is generating thousands of automated notices. Most are solvable โ€” but only if you act quickly and correctly.

๐Ÿ’ผTax Planning
Old vs New tax regime in 2025: a data-driven breakdown for business owners

The new regime is now the default โ€” but it's not always better. We run the numbers across different income profiles to show you where each regime wins.

๐ŸขBusiness Strategy
When to restructure your business โ€” and how to do it without triggering a tax nightmare

Restructuring is often necessary as businesses grow โ€” but done wrong, it can create capital gains, stamp duty, and regulatory headaches. Here's the right approach.

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