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SmartLedger AI
smartledger.ai
What it is
SmartLedger AI is an accounting automation platform for Indian businesses, finance teams, and CA firms. It automates bookkeeping, reconciliations, GST and TDS filings, and follow-ups, presenting results in ledgers, reports, and working papers for review. SmartAuditor lets users request tasks such as bank statement categorization or GSTR-3B preparation, then review the output. The product is designed to keep review and approval with people rather than replace accountants or finance teams. Workflows can connect with Tally, Zoho Books, Excel, Google Drive, WhatsApp, and Slack. The free plan costs nothing and includes core accounting, but no AI automation. Plus costs ₹399 a month; Pro costs ₹699 a month and includes AI processing for up to 2,500 invoices or statements. Max costs ₹1,199 a month and raises that processing limit to 5,000; both plans allow unlimited uploads under a Fair Use Policy, after which uploads fall back to OCR. CA Pro costs ₹4,000 a year, and CA Max costs ₹8,000 a year. A free Windows x64 Tally Connector is listed as version 0.15.1. The FAQ states data is encrypted at rest and in transit and hosted in Indian data centres.
Spec sheet
- What it does
- SmartLedger AI is an India-focused accounting and compliance platform for CA firms, finance teams and businesses that automates bookkeeping, reconciliations, GST work and reporting with human review checkpoints.Read 21 Oct 2026 · smartledger.ai
- Product
- SmartLedger AI is an accounting automation platform for Indian businesses, finance teams, and CA firms.Read 30 Sep 2026 · smartledger.ai
- Intended users
- The product is presented for CA firms and businesses, including accountants, finance teams, and small, medium, and large businesses.Read 30 Sep 2026 · smartledger.ai
- Integrations
- Official integrations include Tally, Zoho Books, Excel, Google Drive, WhatsApp, Slack, email, Indian banks and GSTN workflows.Read 21 Oct 2026 · smartledger.ai
- Security
- The FAQ states data is encrypted at rest and in transit with AES-256, hosted in Indian data centres, protected with role-based permissions and audit logs, and that SmartLedger AI is ISO 27001 certified and aligned to the DPDP Act.Read 30 Sep 2026 · smartledger.ai
- Support
- Plus and Pro include email support; Max includes priority support and email and WhatsApp chat support.Read 30 Sep 2026 · smartledger.ai
- Headquarters
- Bengaluru, Karnataka, IndiaRead 28 Sep 2026 · smartledger.ai
- AI assistant
- SmartAuditor lets users request accounting work such as bank statement categorization and GSTR-3B preparation, then review the results.Read 30 Sep 2026 · smartledger.ai
- API and webhooks
- The knowledge-base integrations category lists an API-access and webhooks article for custom integrations.Read 21 Oct 2026 · knowledge.smartledger.ai
- Approval model
- The service says it never files entries or returns without approval; AI drafts remain subject to a reviewer checkpoint and user signing authority.Read 21 Oct 2026 · smartledger.ai
- Bank reconciliation
- The product matches bank transactions with invoices, bills and journals and presents exceptions for review.Read 21 Oct 2026 · smartledger.ai
- Bookkeeping and compliance
- It automates bookkeeping, reconciliations, GST and TDS filings, and follow-ups, with results presented in ledgers, reports, and working papers for review.Read 30 Sep 2026 · smartledger.ai
- Capterra positioning
- Capterra describes Smartledger AI as a cloud platform for Indian CA firms covering accounting, compliance, practice operations, GST filing, income-tax returns and audit workflows.Read 21 Oct 2026 · capterra.com
- Capterra rating
- 0.0 out of 5 from 0 reviews.Read 21 Oct 2026 · capterra.com
- Company traction claim
- The homepage claims more than 200 CA firms and 500 businesses use SmartLedger AI, with over one million pages processed and more than 1,000 returns filed.Read 21 Oct 2026 · smartledger.ai
- Compliance claim
- The company says its information-security management is ISO 27001 certified and aligned with India's Digital Personal Data Protection Act.Read 21 Oct 2026 · smartledger.ai
- Contact response
- The contact page says the team will respond within 24 hours and lists [email protected].Read 30 Sep 2026 · smartledger.ai
- Crunchbase headcount
- Crunchbase lists a 1–10 employee range, which conflicts with LinkedIn's 51–200 estimate.Read 21 Oct 2026 · crunchbase.com
- Crunchbase legal name
- Crunchbase identifies the legal name as SmartLedger AI Pvt. Ltd. and describes the company as privately held in Bengaluru.Read 21 Oct 2026 · crunchbase.com
- Documentation
- The public knowledge base is organized into modules such as sales, purchase, accounting, reports, banking, integrations, SmartUploads and Smart Auditor, with ticket submission support.Read 21 Oct 2026 · knowledge.smartledger.ai
- GST and tax workflows
- The platform supports preparation and review for GSTR-1, GSTR-3B, GSTR-9, TDS and ITR calendars, plus GST reconciliation.Read 21 Oct 2026 · smartledger.ai
- GST features
- The plans compare GST reconciliation and GSTR returns, and the page states that returns are fetched directly from the GST portal.Read 30 Sep 2026 · smartledger.ai
- Limit: automated trust warning
- ScamAdviser displayed a trust score of 0 and described the site as very likely unsafe, citing hidden WHOIS ownership and low traffic.Read 21 Oct 2026 · scamadviser.com
- Limit: independent review coverage
- Capterra showed no user reviews and a 0.0 rating when checked, so there is no substantive verified reviewer consensus there.Read 21 Oct 2026 · capterra.com
- Limit: security reputation warning
- Gridinsoft classified smartledger.ai as phishing with a 1/100 trust score and reported eight external provider warnings as of its September 1, 2026 check.Read 21 Oct 2026 · gridinsoft.com
- LinkedIn company size
- LinkedIn lists Smartledger AI as a privately held financial-services company with 51–200 employees.Read 21 Oct 2026 · linkedin.com
- LinkedIn founded
- LinkedIn lists the company as founded in 2024.Read 21 Oct 2026 · linkedin.com
- LinkedIn headquarters
- LinkedIn lists the headquarters as Bengaluru, Karnataka, India.Read 21 Oct 2026 · linkedin.com
- News date
- The homepage lists an April 14, 2026 company article titled "Invoice Automation for B2B Fintech in India: 2026 Guide."Read 21 Oct 2026 · smartledger.ai
- Plan limits
- Pro and Max uploads are unlimited under a Fair Use Policy, with AI processing for up to 2,500 and 5,000 invoices or statements respectively before uploads fall back to OCR.Read 30 Sep 2026 · smartledger.ai
- Pricing limitation
- Although SmartUploads is marketed as unlimited on Pro and Max, AI processing is capped at 2,500 documents on Pro and 5,000 on Max before OCR fallback.Read 21 Oct 2026 · smartledger.ai
- Pricing trial
- Pro and Max have seven-day trials requiring a payment method, with automatic billing after seven days unless cancelled; Plus has no trial.Read 21 Oct 2026 · smartledger.ai
- Privacy policy
- The privacy policy says it uses industry-standard security measures and does not guarantee absolute security.Read 30 Sep 2026 · smartledger.ai
- Reports
- Reporting includes profit and loss, balance sheet, cash flow, GST reports and exportable PDF or Excel outputs with drill-down analysis.Read 21 Oct 2026 · smartledger.ai
- Review workflow
- The FAQ says SmartLedger AI is designed to help teams keep review and approval in human hands rather than replace accountants or finance teams.Read 30 Sep 2026 · smartledger.ai
- Security controls
- SmartLedger states that it uses AES-256 encryption at rest and in transit, role-based permissions, full audit logs and Indian data-centre hosting.Read 21 Oct 2026 · smartledger.ai
- SmartAuditor
- SmartAuditor accepts plain-language instructions, executes multi-step accounting work across connected systems and keeps every result behind reviewer approval.Read 21 Oct 2026 · smartledger.ai
- SmartInsights
- SmartInsights scans invoices, GST data and expenses to identify overdue receivables, spending patterns and compliance risks, then suggests actions.Read 21 Oct 2026 · smartledger.ai
- SmartUploads
- SmartUploads batch-processes invoices, bank statements and other files, extracting fields, validating data and flagging duplicates or missing information.Read 21 Oct 2026 · smartledger.ai
- Support levels
- Plus and Pro list email support, while Max adds priority support, WhatsApp chat and a dedicated account manager.Read 21 Oct 2026 · smartledger.ai
- Tally connector
- A downloadable Windows x64 Tally Connector is offered, listed as version 0.15.1 and free to download.Read 21 Oct 2026 · smartledger.ai
Plans and prices
Free Free ₹0 forever Core accounting · unlimited users and companies · AI automation not included Read 30 Sep 2026 · smartledger.ai
Plus ₹399 a month monthly, exclusive of GST Unlimited users · SmartUploads 1,000/month · 10 bank statements/month · SmartAuditor · GST reconciliation and filings · email support Read 21 Oct 2026 · smartledger.ai
Pro ₹699 a month monthly, exclusive of GST Unlimited users · unlimited SmartUploads under fair-use AI cap of 2,500 documents · unlimited bank statements · SmartInsights · Create with AI · scheduling and workflows · WhatsApp, Slack and email integrations · Google Drive · e-way bills and e-invoicing Read 21 Oct 2026 · smartledger.ai
Max ₹1,199 a month monthly, exclusive of GST Unlimited users · unlimited SmartUploads under fair-use AI cap of 5,000 documents · highest SmartAuditor limits · top models · early module access · Notice Management beta · SharePoint and OneDrive beta · priority support · WhatsApp chat · dedicated account manager Read 21 Oct 2026 · smartledger.ai
CA Pro ₹4,000 a year ₹4,000/yr · inclusive of GST · billed annually Unlimited client companies and team users · 1,500 SmartUploads pages/year pooled · 2 months free for verified CA firms Read 30 Sep 2026 · smartledger.ai
Plus ₹4,000 a year billed annually, exclusive of GST Unlimited users · SmartUploads 1,000/month · 10 bank statements/month · SmartAuditor · GST reconciliation and filings · email support Read 21 Oct 2026 · smartledger.ai
Pro ₹7,000 a year billed annually, exclusive of GST Unlimited users · unlimited SmartUploads under fair-use AI cap of 2,500 documents · unlimited bank statements · SmartInsights · Create with AI · scheduling and workflows · WhatsApp, Slack and email integrations · Google Drive · e-way bills and e-invoicing Read 21 Oct 2026 · smartledger.ai
CA Max ₹8,000 a year ₹8,000/yr · inclusive of GST · billed annually Unlimited client companies and team users · 2,500 SmartUploads pages/year pooled · priority support Read 30 Sep 2026 · smartledger.ai
Max ₹12,000 a year billed annually, exclusive of GST Unlimited users · unlimited SmartUploads under fair-use AI cap of 5,000 documents · highest SmartAuditor limits · top models · early module access · Notice Management beta · SharePoint and OneDrive beta · priority support · WhatsApp chat · dedicated account manager Read 21 Oct 2026 · smartledger.ai
Strong points and limits
Strong points
- Automates bookkeeping, reconciliations, GST, and TDS work.
- SmartAuditor tasks remain subject to human review.
- Connects workflows with Tally, Zoho Books, and Excel.
- Free plan includes core accounting.
- Security FAQ describes AES-256 encryption and Indian hosting.
Limits
- Free plan excludes AI automation.
- Plus limits uploads to 1,000 per month.
- Pro AI processing is limited to 2,500 invoices or statements.
- Max AI processing is limited to 5,000 invoices or statements.
Who it suits
It suits Indian businesses, finance teams, accountants, and CA firms seeking accounting automation with human review. The listed CA plans include pooled SmartUploads pages for CA firms.
SmartLedger AI in depth
Read the full write-up
Overview
SmartLedger AI brings accounting automation and reviewable workpapers to Indian businesses and CA firms. It is best suited to teams handling recurring bookkeeping and GST work that want automation without giving up human approval. The free tier covers core accounting, but AI work requires a paid plan and has processing limits.
Key features
The platform covers bookkeeping, bank reconciliation, close management, document capture, approval workflows and multi-entity accounting, alongside GST and TDS filings and follow-ups. It presents results in ledgers, reports and working papers for review. That breadth can reduce routine processing across a finance team, but the workflow is designed to keep final review and approval with people.
SmartAuditor takes requests for tasks such as bank-statement categorization and GSTR-3B preparation, then returns results for review. GST returns are fetched directly from the GST portal. This is a practical fit for teams that want assistance with compliance tasks while retaining oversight, not for those seeking unattended accounting.
Workflows can involve Tally, Zoho Books, Excel, Google Drive, WhatsApp and Slack. The free downloadable Tally Connector is a Windows x64 installer, version 0.15.1. Security measures include AES-256 encryption at rest and in transit, Indian data centres, role-based permissions and audit logs; SmartLedger AI also states it is ISO 27001 certified and aligned to the DPDP Act. Its privacy policy cautions that security measures cannot guarantee absolute security.
Pricing
The free plan costs ₹0 forever and includes core accounting, unlimited users and companies, but no AI automation. It is a useful starting point for basic accounting, not a way to try the automated workflows without paying.
Plus costs ₹399/mo or ₹4,000/yr, billed annually and exclusive of GST. It allows unlimited users, 1,000 uploads per month and 10 bank statements per month, with email support. The upload allowance may suit a smaller or more predictable workload, but the monthly bank-statement cap is a constraint for teams processing statements frequently.
Pro costs ₹699/mo or ₹7,000/yr, billed annually and exclusive of GST. It keeps unlimited users and provides unlimited uploads and bank statements under a Fair Use Policy, with AI processing for up to 2,500 invoices or statements and email support. A 7-day trial is included. Above the AI-processing allowance, uploads fall back to OCR, so high-volume teams should assess whether that remaining workflow meets their needs.
Max costs ₹1,199/mo or ₹12,000/yr, billed annually and exclusive of GST. It raises AI processing to 5,000 invoices or statements, retains unlimited uploads under the Fair Use Policy, and adds priority support. Its 7-day trial and larger allowance make it the stronger fit for heavier workloads, though AI processing is still capped.
CA Pro costs ₹4,000/yr, inclusive of GST, billed annually; it includes unlimited client companies and team users and a pooled 1,500 SmartUploads pages per year. Verified CA firms receive 2 months free. CA Max costs ₹8,000/yr, inclusive of GST, billed annually, and raises the pooled annual allowance to 2,500 pages while adding priority support. These CA plans suit firms managing multiple client entities, but the annual page pool is the key constraint to match against workload.
Platforms
SmartLedger AI runs on the web and Windows. The Windows x64 Tally Connector is a free download; the product also supports workflows involving Tally, Zoho Books and Excel.
Who it's for
Small, medium and large businesses, accountants, finance teams and CA firms can use the platform, particularly where bookkeeping and compliance recur across accounts or client companies. Teams that need human review and approval alongside automation are a better fit than those looking to remove that step.
Pros and cons
Pros: A free core-accounting plan with unlimited users and companies gives teams room to start without a seat cap.
Pros: SmartAuditor covers practical accounting tasks, while ledgers, reports and working papers keep outputs reviewable.
Pros: Pro and Max combine unlimited uploads under Fair Use with clear AI-processing thresholds, and Max adds priority support.
Cons: The free plan excludes AI automation, and Plus limits bank statements to 10 per month.
Cons: Pro and Max revert uploads to OCR after their respective AI-processing allowances, so unlimited uploads do not mean unlimited AI processing.
Cons: CA plans pool a fixed number of SmartUploads pages annually, which firms with uneven or high client workloads will need to manage.
Alternatives
AI Accounting Software is a useful category comparison for readers still weighing the broader field.
Choose Docyt instead if a free accountant-focused plan with AI categorization, bank and card reconciliation, and month-end close automation is the priority; it also supports Android and iOS.
Accountic is another option for trying every module with credits that never expire, or paying per job rather than taking a monthly plan.
For a general-purpose accounting option, Zoho Books has a free plan for solopreneurs and micro businesses while annual revenue remains below $50K.
Choose Zoho Inventory instead when inventory workflows are the need: its free plan allows 50 orders per month, one user and one location.
FiNote is a paid alternative with a 14-day trial and a Starter plan that includes one user and 100,000 AI tokens.
SBKA is a paid alternative with a trial and a plan centered on one organisation, 75 monthly verifications and full AI assistance.
Xero Expenses is worth considering for expense workflows; its Early plan is $5.40 a month, auto-renews until cancelled, and lists 20 invoices and 5 bills without employee expense and mileage claims.
Digits is another paid alternative, with Essentials at $65 a month and custom reports and dashboards for firm partners.
Verdict
SmartLedger AI is a strong fit for Indian businesses and CA firms that want broad bookkeeping and compliance automation with human review built into the workflow. Its free core tier, GST coverage and multi-entity support are persuasive; the main reason to look elsewhere is a need for AI processing without monthly or pooled page limits.
Verdict
SmartLedger AI combines accounting automation with reviewable outputs and plans for businesses and CA firms. Compare the upload and AI-processing limits, billing terms, and GST treatment for the intended plan.
Where Specifiction places it
- AI Accounting Software#7 of 328.7
