Lad & Associates is a Chartered Accountants firm delivering ethical, technology-driven financial solutions for startups, MSMEs, and businesses.
We offer Audit, Tax, GST, Accounting, Virtual CFO, Compliance, and Business Advisory services. Lad & Associates is a Chartered Accountancy firm delivering expert solutions in Virtual CFO services, Accounting Outsourcing, Tax Advisory, Audit & Assurance, Regulatory Compliance, and Digital & AI Enablement. We help businesses achieve financial clarity and make smarter decisions.
25/08/2026
Running out of cash without warning isn't usually a revenue problem—it's a visibility problem. Profit doesn't equal cash in hand.
A rolling 13-week cash flow forecast fixes that—showing what's coming in, what's going out, and the exact week your balance gets tight, before it happens.
A budget tells you where money should go. A forecast tells you where it's actually headed.
Swipe through.
Having an in-house finance team doesn't automatically mean you're in financial control.
The real shift isn't looking at more reports — it's looking beyond the MIS dashboard entirely. Don't just track numbers. Identify what actually needs action: cash flow, receivables, expenses, working capital. Set clear ownership for every critical metric, and review it regularly, not just at month-end.
Because financial control isn't about having more reports. It's about turning numbers into timely decisions.
Choosing retainer and audit support isn't just about who quotes the lowest fee. A few things actually matter more in the long run.
Experience with professional service firms, not just generic corporate audit work. Year-round availability, not just activity around audit or filing deadlines. Transparent, proactive communication, so you're not the one chasing updates on your firm's compliance status. And clarity on audit scope from day one, so there are no surprises closer to deadlines.
The right support shows up consistently, not just when a deadline is near.
If you hold ESOPs, there are two tax events you can't afford to miss.
Exercising your ESOPs triggers perquisite tax — even if you don't sell a single share. Selling those shares later triggers a second, separate tax event: capital gains.
Beyond that, advance tax, ITR reporting, and foreign disclosure requirements (where applicable) all follow from the same transaction. Missing any one of these can mean tax notices, interest on unpaid tax, or a bill you didn't see coming.
Get your ESOP taxation right, before it becomes a problem instead of a plan.
18/08/2026
Budgeting isn’t just for big businesses.
For founders, a simple budget can bring clarity to cash flow, help plan upcoming outflows, and support smarter business decisions. The key isn’t complexity—it’s knowing what’s coming in, what’s going out, and where the gap stands.
Swipe through to uncover 5 common budgeting myths founders believe—and the reality behind them. 📊
17/08/2026
Numbers don't run your business. Decisions do.
Most owners treat their MIS, cash flow, and working capital reports as a report card — glance at it, file it, move on. That mindset keeps a business reactive instead of in control.
The shift is simple: stop asking "what happened last month" and start asking "what should I do next." A report you only read is data. A report you act on is control.
Good numbers inform. Smart decisions transform.
11/08/2026
We're Hiring!
Lad & Associates is looking for an Accounts & Tax Executive to join our team.
📍 Mulund West, Mumbai
📩 Send your resume to: [email protected]
Know someone who's a great fit? Share this opportunity.
Lad & Associates
Chartered Accountants
07/08/2026
Understanding TDS is not just about knowing the rates—it's about applying the right provisions at the right time.
Whether you're making payments for contractor services, rent, professional fees, commission, brokerage, or foreign remittances, the correct TDS deduction helps you stay compliant and avoid unnecessary interest and penalties.
A small mistake in TDS can lead to costly consequences. Stay informed, deduct correctly, and file on time.
Filing your GSTR-3B on time feels like the finish line.
It isn't.
One vendor defaults on their filing, your GSTR-2B breaks — and that mismatch becomes your liability. Not theirs.
Same risk if an invoice stays unpaid past 180 days. The input tax credit already claimed on it has to be reversed, whether anyone catches it in time or not.
One monthly checklist. Three checks:
Vendor filing status.
GSTR-2B match.
Ageing Review
That's what protects your credit — before an audit finds the gap for you.
Explore to know more.
23/07/2026
Missed an advance tax instalment? Interest under the Income Tax Act starts adding up immediately — with no notice required.
Advance tax is due in four parts: 15th June, 15th September, 15th December, and 15th March. Miss one, and the interest applies from that date itself, not from when you eventually pay.
A quarterly estimate is usually all it takes to stay ahead of these dates. Planning around known deadlines is what keeps a business penalty-free.