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An experiment in building accounting around financial actions instead of forms

Hisaabo launches an open-source, agent-native financial operating system for India that treats AI agents as equal clients to human interfaces, enabling deterministic accounting and GST compliance through structured financial operations rather than form-based UIs.

read20 min views1 publishedJun 20, 2026
An experiment in building accounting around financial actions instead of forms
Image: source

Agent-native financial operating system for India.

Hisaab, pakka. (Honest accounting.)

Hisaabo is not accounting software with an AI add-on. It is a financial operating system where humans and AI agents operate on the same structured primitives -- creating invoices, reconciling bank statements, filing GST returns, closing books. The web dashboard, mobile app, CLI, and MCP server are all equal clients of the same API. There is no "AI layer." The entire system is the AI interface. In practice, this means your books update themselves, your GST returns are always ready, and your team never shares bank credentials again.

Open source. Self-hostable. Free forever. Built India-first.

Four things became true at the same time:

LLMs can reliably execute structured tools. Not chat -- deterministic function calls with typed inputs and validated outputs. This is the difference between "ask the AI" and "the AI operates the system."MCP standardizes agent interaction. A single protocol for any AI to discover and call financial operations. No custom integrations per agent.Indian accounting workflows are still manual and fragmented. 63 million MSMEs. Most run on paper, WhatsApp, and a CA who shows up once a year. The gap between what technology can do and what businesses actually use has never been wider.GST compliance demands deterministic systems. E-invoicing, ITC tracking, GSTR-2B reconciliation, 180-day reversal rules -- these are not suggestions. They are rules that must execute correctly every time. LLM-generated suggestions are not enough. Validated financial actions are.

This combination did not exist two years ago. It does now.

Every accounting tool built in the last 30 years follows the same pattern: a database, a forms-based UI, and maybe an API bolted on later. AI gets added as a chat widget that reads from the same database humans already see.

Hisaabo inverts this. The system is built as a set of structured financial operations -- 200+ typed tRPC endpoints -- that any client can execute. The React dashboard is one client. The Expo mobile app is another. The CLI is another. An MCP-connected AI agent is another. They all have identical capabilities, identical permissions, identical audit trails.

This means an AI agent does not "read your screen" or "fill in forms." It calls the same invoice.create

procedure your accountant does, with the same validation, the same GST logic, the same atomic invoice numbering. The result is deterministic, auditable, and indistinguishable from human input.

That is what makes this a financial operating system, not an accounting app.

Every accounting workflow reduces to a small set of deterministic financial actions. Hisaabo does not expose spreadsheets and forms. It exposes these operations directly.

Action What happens
Record a GST-compliant sale
Tax determination (CGST+SGST or IGST) from state codes, HSN validation against 19K codes, atomic invoice numbering, PDF with QR, optional e-invoice IRN via NIC IRP
Reconcile a bank statement
Auto-detect format across 10 Indian banks, 4-tier matching (exact, strong, narration parse, partial), auto-categorization rules, BRS generation
Generate filing-ready GST returns
GSTR-1 (B2B, B2C Large, B2C Small, HSN summary, CDN), GSTR-3B (outward, ITC, RCM, net payable), GSTR-9 annual, GSTR-2B reconciliation
Close a financial period
Journal entries for depreciation, provisions, bad debt write-offs, opening balances. Trial Balance, P&L, Balance Sheet, Cash Flow derived automatically.
Track ITC compliance
Auto-creation from purchase invoices, 180-day aging alerts (Section 16(4)), blocked ITC under 17(5), utilization in prescribed order (IGST > CGST > SGST)
Manage parties and receivables
GSTIN validation (regex + checksum), per-party ledger, aging buckets (Current, 31-60, 61-90, 90+), credit period and limit tracking
Run bank operations
9 payment modes, multi-invoice allocation, inter-account transfers with atomic dual-entry, payment gateway integration with charge/settlement/reversal traceability

Every action is: deterministic (same input, same output), auditable (traced to a user or agent), and executable identically by a human clicking a button or an AI agent calling an endpoint.

Unlike AI tools that generate suggestions, Hisaabo executes validated financial operations with guaranteed accounting correctness. This is the design constraint that makes everything else possible.

This is not "AI-powered accounting." This is accounting infrastructure that AI agents operate natively.

How it works:

The entire Hisaabo API is a set of typed, validated procedures. Every capability -- from creating an invoice to generating GSTR-3B -- is a structured tool with defined inputs, outputs, and side effects. There is no screen-scraping, no form-filling, no prompt-engineering around a UI.

                 +------------------+
                 |   tRPC API       |
                 |   200+ typed     |
                 |   procedures     |
                 +--------+---------+
                          |
          +------+--------+--------+--------+
          |      |        |        |        |
        Web    Mobile   Desktop   CLI     MCP
       React   Expo     Tauri    npm     Claude

All five clients call the same procedures, with the same x-business-id

header, the same role-based permissions, the same audit logging. An invoice created by Claude Desktop through MCP is byte-for-byte identical to one created through the web dashboard.

What this enables today:

You: "How much does Montu Arora owe me?"
Claude: "Montu Arora has Rs. 12,450 outstanding across 3 invoices.
         The oldest is INV-12890 from 15 days ago. Should I draft a reminder?"

You: "Create an invoice for Gupta Enterprises -- 20 bags of rice at Rs. 1,250"
Claude: "Done. Invoice BB-14821 created -- Rs. 26,250 total (inc. 5% GST). PDF ready."

You: "Run my GST filing prep for March 2026"
Claude: "GSTR-1 data ready. 47 B2B invoices, 12 B2C. Total taxable: Rs. 8,43,200.
         2 invoices have missing HSN codes. Shall I list them?"

What this enables tomorrow:

  • A WhatsApp bot that creates invoices from voice notes via Claude + MCP
  • A Slack integration that posts daily business summaries to your team channel
  • A customer service agent that answers "where is my order?" from live data
  • A tax filing assistant that prepares GSTR-1 and flags anomalies before your CA reviews
  • An audit preparation bot that generates schedules and reconciliations

None of these require new API development. The surface area already exists. Every agent is a new client of the same financial primitives.

MCP Server

The @hisaabo/mcp

package exposes your entire business as tools, resources, and prompt templates to any MCP-compatible AI agent.

Built-in prompt templates:

Prompt What it does
morning_briefing
Daily summary: sales, cash position, overdue invoices, action items
party_deep_dive
Full analysis of any customer or supplier
gst_filing_prep
GSTR-1 and GSTR-3B data with cross-checks
collection_follow_up
Prioritized overdue list with suggested actions
inventory_health
Low stock, dead stock, fast movers
month_close
Month-end checklist: reconcile sales, expenses, balances

Add to Claude Desktop's claude_desktop_config.json

:

{
  "mcpServers": {
    "hisaabo": {
      "command": "npx",
      "args": ["@hisaabo/mcp"],
      "env": {
        "HISAABO_API_URL": "https://your-hisaabo-instance.com",
        "HISAABO_API_KEY": "sess_...",
        "HISAABO_TENANT_ID": "tenant-uuid",
        "HISAABO_BUSINESS_ID": "business-uuid"
      }
    }
  }
}

CLI

npm install -g @hisaabo/cli
hisaabo login --api-url https://your-hisaabo-instance.com

hisaabo dashboard --json | jq '{revenue, outstanding, overdueCount}'
hisaabo invoice list --this-month --format csv > invoices.csv
hisaabo gst r3b --quarter Q4 --json | jq '.taxPayable'
hisaabo bank recon --account "HDFC Current" --format csv > brs.csv

14 command groups. Every command supports --json

, --format csv

, and --format ids

for piping.

The adoption wedge for Hisaabo is not features. It is trust.

Right now, Indian businesses share bank passwords over WhatsApp so their CA can download statements. Articled clerks have unscoped access to every client's data. There is no audit trail for who changed what. This is the status quo for millions of businesses.

Hisaabo replaces this with structured access control:

Layer What it enforces
5 roles
Superadmin, Admin, Seller Manager, Seller, Accountant -- each with scoped permissions per resource and action
Business isolation
Every API query scoped by x-business-id . Impossible to access another client's data by accident or intent.
No credential sharing
Clients upload their own statements or create their own invoices. CAs access via their own role-based login.
Full audit trail
Every write operation logged with user, timestamp, and before/after state. Every invoice, payment, and journal entry traceable to a specific person.
Session security
HttpOnly + Secure + SameSite=Lax cookies. Argon2id password hashing. 30-day expiry. No JWTs.
Team invitations
Add articled clerks, managers, or clients with plan-based limits. Revoke access instantly.

This is what gets CAs to adopt. Not a better spreadsheet -- a system where access is controlled, actions are auditable, and no one needs to share a bank password ever again.

You manage 30-100 clients. Each one sends you bank statements in a different format. You chase GST data over WhatsApp the week before filing. Some clients share their net banking credentials in plain text messages. Your articled clerks spend 80% of their time on data entry that should not exist.

Hisaabo gives you a single platform where every client is a separate business with role-based access. You log in once and see all your clients. Bank statements import with auto-detection for 10 Indian banks. GSTR-1 and GSTR-3B auto-generate from invoice data. Trial Balance, P&L, and Balance Sheet derive automatically. When you need depreciation entries or year-end adjustments, journal entries are there. When you need to hand off to Tally for audit, there is a clean XML export.

If you use a paper bahi khata -- you are one lost register away from losing years of records. Hisaabo digitises your entire operation in an afternoon, runs on your phone, and costs nothing.

If you use Tally -- you paid Rs. 18,000-54,000 for a license that only works on Windows, on one machine, with no mobile app. Hisaabo runs on any device with a browser, and your CA can access it from their own office.

If you use myBillBook or Vyapar -- you started with a "free" plan that paywalls essential features behind Rs. 3,000-10,000/year. Your data lives on their servers. If you stop paying, you lose access to your own records. Hisaabo has no feature gates.

If you use Zoho Books -- you are paying a monthly SaaS subscription designed for companies ten times your size. Hisaabo is built India-first: GST logic is foundational, not bolted on.

GST-compliant sale and purchase invoices with automatic CGST/SGST/IGST split, PDF generation (A4/A5/thermal), and UPI QR code. Quotations and proformas convert to invoices with one click. Delivery challans with e-way bill linkage and stock-safe invoice conversion. Credit notes, debit notes, sales returns, and purchase returns with separate numbering sequences and automatic stock adjustment.

Full double-entry accounting derived automatically from business transactions. Chart of Accounts seeded with 40 standard Indian accounts on business creation. Trial Balance, Balance Sheet, Profit and Loss, Cash Flow Statement (indirect method), General Ledger, Daybook, and comparative FY-vs-FY reports with variance analysis. Journal entries for CA adjustments: depreciation, provisions, bad debt write-offs, opening balances. Tally XML export for clean import into Tally Prime.

GSTR-1/3B/9 generation, GSTR-2B reconciliation, e-invoicing (NIC IRP with IRN and QR), e-way bill (auto-generate for goods over Rs. 50,000), ITC tracking with 180-day aging and blocked ITC, HSN validation against 19K official codes, composition scheme with CMP-08, reverse charge mechanism, automatic tax determination from state codes. Complete.

CSV import with pre-built templates for SBI, HDFC, ICICI, Axis, Kotak, PNB, BOB, Union, IDBI, and IndusInd. Auto-detection of bank format from headers. 4-tier matching: exact (amount + date + reference), strong (amount + 2-day window), narration parsing (UPI ID, cheque number), partial (amount only, 7-day window). Auto-categorization rules. Template versioning for format changes. BRS with matched, unmatched, and timing difference totals.

Customer and supplier management with GSTIN validation, per-party ledger, aging buckets, credit period and limit tracking. Real-time stock with low-stock alerts, unit conversion, item variants, HSN/SAC autocomplete, online store pricing. 9 payment modes, multi-invoice allocation, inter-account transfers, payment gateway integration with full charge/settlement/reversal traceability.

Trial Balance, Balance Sheet, P&L, Cash Flow, General Ledger, Daybook, Sales and Purchase Register (by tax rate), Receivables and Payables Aging, Party Statement, Stock Summary, Cash Flow Forecast, Collection Efficiency, Bank Reconciliation Statement, GSTR-1/3B/9. All exportable as CSV.

Public storefront at store.hisaabo.in/your-slug

. Phone verification for orders. WhatsApp notifications. Custom shipping methods. Configurable minimum order amount.

Onboarding a new client (30 minutes)

  • Add the client as a new business in your Hisaabo instance
  • Configure their GST registration (regular, composition, or unregistered), financial year, and state
  • Chart of Accounts seeds automatically with 40 standard Indian accounts
  • Invite the client with Seller or Admin access -- they can create invoices from their phone
  • Import opening balances via journal entries if migrating mid-year

Monthly workflow

  • Client creates invoices and records payments through the app or their phone
  • You import their bank statement CSV -- Hisaabo auto-detects the bank and matches 70%+ of transactions
  • Review unmatched items: create expenses, flag timing differences, or match manually
  • GSTR-1 auto-generates from invoice data -- review, export JSON, upload to portal
  • GSTR-3B auto-calculates outward supplies, ITC, and net tax payable
  • Trial Balance and P&L are always current -- no "closing the books" step

Year-end

  • Post depreciation, provisions, and adjustments via journal entries
  • Generate Balance Sheet and P&L for the full financial year
  • Run comparative FY vs FY reports for the client review
  • Export GSTR-9 annual return data
  • Export Tally XML for statutory audit -- imports cleanly into Tally Prime

What changes for your practice

Before Hisaabo After Hisaabo
Clients share bank passwords over WhatsApp Clients upload statements themselves, or you import CSV directly
Articled clerks type bank entries into Tally manually 4-tier auto-matching handles 70%+ of entries
Chase GST data the week before filing GSTR-1 and GSTR-3B auto-generate from live invoice data
P&L and Balance Sheet only at year-end Financial statements current at all times
Each client on a different system (Tally, Excel, paper) All clients on one platform with a single login
No audit trail for changes Every write operation logged with user, timestamp, and state

Hisaabo is not a static tool. It is a system that compounds.

Transaction patterns improve auto-categorization. When a CA categorizes "NEFT-SALARY" as a salary expense for one business, that rule applies across similar transactions. Every manual categorization trains the matching engine.

GST classifications validate across businesses. HSN codes confirmed for one business help validate classifications for others in the same industry. A textile trader's HSN mappings benefit the next textile trader onboarded.

Bank reconciliation accuracy compounds. As more bank statements flow through the system, narration parsing patterns improve. New UPI formats, changed NEFT descriptions, updated bank CSV layouts -- each resolved case makes the next one faster.

This is a data moat, not a feature. Every firm on the platform makes the platform better for every other firm. A new entrant building accounting software from scratch starts at zero. Hisaabo starts with the accumulated intelligence of every transaction ever reconciled.

Hisaabo is not a side project. It is production-hardened financial software.

Dimension What is in place
Testing
1,844 automated tests (unit + integration against real PostgreSQL)
Logging
Structured JSON logging (pino) with request-ID correlation across the full request lifecycle
Security
CSRF protection, rate limiting (general + PDF-specific), session cookies with HttpOnly/Secure/SameSite=Lax, Argon2id password hashing
Data Integrity
All money as NUMERIC(15,2), FOR UPDATE row locking on payment allocation, PostgreSQL NUMERIC arithmetic for stock (no JS floats)
Concurrency
Semaphore-based PDF worker pool, atomic invoice number generation, bank balance updates inside transactions
Performance
Partial indexes on soft-delete columns, composite indexes for dashboard aggregates, session cache with 60s TTL
Observability
Crash handlers (unhandledRejection + uncaughtException), request tracing, audit logging for all write operations
Deployment
Docker with health checks, migration-failure-safe entrypoint, env validation at startup
Hisaabo Tally Prime Zoho Books myBillBook Vyapar
Price
Free Rs. 18K-54K Rs. 749-2,499/mo Rs. 2,999-9,999/yr Rs. 2,499-7,999/yr
Open source
Yes No No No No
Self-hostable
Yes Desktop only No No No
Full accounting (CoA, TB, BS, P&L, CF)
Yes Yes Yes No No
Journal entries
Yes Yes Yes No No
GST returns (1, 3B, 9, 2B recon)
Yes Yes Yes Basic Basic
E-Invoicing (IRP)
Yes Yes Yes No No
E-Way Bill
Yes Yes Yes No No
ITC tracking (aging + blocked + utilization)
Yes Yes Yes No No
Bank reconciliation (10 banks, auto-match)
Yes Yes Yes No No
Tally export
Yes (XML, clean import) N/A Partial Yes No
Mobile app
Yes No Yes Yes (primary) Yes (primary)
AI agent access (MCP + CLI)
Yes No No No No
Payment gateway (charges + settlement)
Yes No Basic No No
Online store
Built-in No No Basic Basic
Multi-tenant SaaS
Yes No Yes Cloud only Cloud only
Agent-native architecture
Yes No No No No
+--------------------------------------------------------------+
|                      Client Layer                            |
|                                                              |
|  apps/web            apps/mobile        apps/store           |
|  React 19 + Vite     Expo SDK 55        React 19 + Vite     |
|  TanStack Router     Expo Router        (public storefront)  |
|                                                              |
|  apps/desktop        packages/cli       packages/mcp         |
|  Tauri v2            Terminal CLI        MCP Server           |
|  (wraps web)         (@hisaabo/cli)     (Claude, AI agents)  |
+----------------------------+---------------------------------+
                             | tRPC (typed) + REST (store)
                             | x-business-id header
                             | Role-based permissions
+----------------------------v---------------------------------+
|                     API Layer                                |
|                                                              |
|  packages/api                                                |
|  Hono + tRPC v11 -- 20+ routers -- 200+ procedures          |
|  Three procedure levels:                                     |
|    publicProcedure / protectedProcedure / businessProcedure  |
|  pino logging -- CSRF -- Rate limiting -- Audit log          |
+----------------------------+---------------------------------+
                             | Drizzle ORM
+----------------------------v---------------------------------+
|                   Database Layer                             |
|                                                              |
|  packages/db                                                 |
|  PostgreSQL 16 -- NUMERIC(15,2) for money                    |
|  Control DB (auth, tenants) + Tenant DB (business data)      |
|  Partial indexes -- FOR UPDATE locking                       |
+--------------------------------------------------------------+

+--------------------------------------------------------------+
|                  Shared Layer                                 |
|  packages/shared                                             |
|  Zod validators -- TypeScript types -- Fixed-point money     |
|  Invoice calculation -- HSN master (19K codes)               |
|  Used by API + web + mobile + CLI + MCP                      |
+--------------------------------------------------------------+

All six clients (web, mobile, desktop, store, CLI, MCP) call the same API with the same typed contracts. There is no separate "AI API" or "bot API." The architecture enforces that every capability available to a human is available to an agent.

Tech stack:

Three paths depending on what you want to do.

Prerequisites: Node.js 20+, pnpm 9+, Docker

git clone https://github.com/hisaabo/hisaabo.git
cd hisaabo
pnpm install

docker compose up -d

cp .env.example .env

pnpm db:push

pnpm dev
Service URL
Web app

http://localhost:3000http://localhost:5174Create an account on first visit. The setup wizard creates your first business with a seeded Chart of Accounts.

curl -X POST https://api.hisaabo.in/api/trpc/auth.register \
  -H "Content-Type: application/json" \
  -d '{"json":{"email":"you@yourshop.in","name":"Your Name","password":"strongpass123","confirmPassword":"strongpass123"}}'
npm install -g @hisaabo/cli
hisaabo login --api-url https://your-hisaabo-instance.com
hisaabo whoami --json  # Copy token, tenantId, businessId

Then add to claude_desktop_config.json

-- see the MCP Server guide.

hisaabo/
β”œβ”€β”€ apps/
β”‚   β”œβ”€β”€ web/          # React 19 admin dashboard
β”‚   β”œβ”€β”€ mobile/       # Expo SDK 55 iOS + Android app
β”‚   β”œβ”€β”€ store/        # Public customer-facing online storefront
β”‚   β”œβ”€β”€ desktop/      # Tauri v2 desktop (macOS, Windows, Linux)
β”‚   β”œβ”€β”€ docs/         # Starlight (Astro) documentation site
β”‚   └── api-docs/     # API reference site
β”œβ”€β”€ packages/
β”‚   β”œβ”€β”€ api/          # Hono + tRPC server (20+ routers, 200+ procedures)
β”‚   β”œβ”€β”€ db/           # Drizzle ORM schema + PostgreSQL client
β”‚   β”œβ”€β”€ shared/       # Zod validators, TypeScript types, money module, HSN master
β”‚   β”œβ”€β”€ cli/          # Terminal CLI (@hisaabo/cli on npm)
β”‚   └── mcp/          # MCP server for AI agents (@hisaabo/mcp on npm)
β”œβ”€β”€ docs/             # Architecture docs, research, roadmaps
β”œβ”€β”€ nginx/            # Production nginx configuration
β”œβ”€β”€ docker-compose.yml        # Local development
β”œβ”€β”€ docker-compose.prod.yml   # Production deployment
β”œβ”€β”€ Dockerfile                # API container image
└── Dockerfile.once           # All-in-one (PostgreSQL + API)
Tool Version Install
Node.js >= 20

npm install -g pnpm

docker.com| Command | Description | |---|---| pnpm dev | Start all dev servers (API + web + store) | pnpm build | Build all packages | pnpm typecheck | Type-check all packages | pnpm lint | Lint all packages (oxlint) | pnpm db:push | Push schema changes to DB (dev) | pnpm db:reset | Drop all tables and repush schema | pnpm db:generate | Generate Drizzle migration files (production) | pnpm db:migrate | Run pending migrations | pnpm db:studio | Open Drizzle Studio |

pnpm --filter @hisaabo/api dev      # API server only
pnpm --filter @hisaabo/web dev      # Web app only
pnpm --filter @hisaabo/mobile dev   # Mobile (Expo Go)
pnpm --filter @hisaabo/store dev    # Online store only
pnpm --filter @hisaabo/api test

pnpm --filter @hisaabo/api test:watch
pnpm dev:mobile:android
cp .env.example .env  # Edit with production values
docker compose -f docker-compose.prod.yml up -d

PostgreSQL 16 + Node API in a single container with s6-overlay:

docker build -f Dockerfile.once -t hisaabo-once .
docker run -v /data/hisaabo:/storage -p 80:80 hisaabo-once
App Build command Output directory
Web pnpm --filter @hisaabo/web build
apps/web/dist
Store pnpm --filter @hisaabo/store build
apps/store/dist

Set VITE_API_URL

in Cloudflare Pages environment variables.

cd apps/desktop && cargo tauri build

pnpm --filter @hisaabo/mobile build:apk

Full production guide: docs.hisaabo.in/self-hosting

Copy .env.example

to .env

. Key variables:

Variable Description Example
DATABASE_URL
PostgreSQL connection string postgresql://hisaabo:pass@localhost:5432/hisaabo
PORT
API server port 3000
CORS_ORIGINS
Allowed origins (comma-separated) https://app.hisaabo.in
APP_URL
Frontend URL (for magic link emails) https://app.hisaabo.in
NODE_ENV
Environment production
RESEND_API_KEY
Email sending (optional in dev)
MULTI_TENANT
Enable multi-tenant cloud mode false
LOG_LEVEL
Logging level (debug/info/warn/error) info

Everything listed in Features above is shipped and tested. The full accounting layer, GST compliance suite, bank reconciliation engine, and agent-native architecture were built in Q4 FY26.

PDF invoice OCR-- Photograph a purchase bill, auto-extract line items, HSN codes, and amounts** Account Aggregator integration**-- Consent-based automatic bank data pull (replacing CSV import)** TDS management**-- TDS deduction tracking, Form 26AS reconciliation

Direct GST filing via GSP-- File GSTR-1 and GSTR-3B directly from Hisaabo without the GST portal** Agent ecosystem**-- Third-party tax, audit, and compliance agents built on the MCP server** IMS integration**-- Invoice Management System support as it matures** Multi-currency support**-- For export-oriented businesses

See docs/architecture/gst-accounting-roadmap.md for the full technical specification.

Resource URL
User documentation

api.hisaabo.indocs.hisaabo.in/getting-started/self-hostingCONTRIBUTING.mdSECURITY.mdContributions are welcome. Before opening a PR:

pnpm typecheck   # Must pass
pnpm lint        # Must pass (oxlint --deny-warnings)
pnpm build       # Must pass
pnpm --filter @hisaabo/api test  # 1,844 tests must pass

Key guidelines:

  • Use the money

module frompackages/shared

for all monetary arithmetic - All input validation in packages/shared/src/validators.ts

as Zod schemas - No component libraries -- pure Tailwind CSS

  • New features ship with tests and a feature-parity.yaml

update

See CONTRIBUTING.md for full guidelines.

O'Saasy License (v1.0) -- Free to use, self-host, and modify. You cannot offer Hisaabo as a competing hosted service.

Built with care in India. Hisaab, pakka.

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