Automated Bank Reconciliation
Statement in, ledger out. Smart payee grouping. Eliminates weekend Excel hours.
ZetaBooks · by Sabrixa
Automation where it counts. Clarity when it matters.
AI-powered bookkeeping for Indian businesses — bank statements to books, GST invoices, bills, and contractor payroll — without live bank login.
No credit card required
- Shop owners
- CAs & accountants
- Contractors / thekedars
- Growing SMEs
Cash & Bank Balance
₹1,54,400Updated TodayUnpaid Dues
₹42,000 PendingSend WhatsApp ReminderAuto-matched activity
- ₹42,000 CreditINV-1042 (Client Dues)Auto-Matched
- ₹8,750 DebitVendor Bill (Raw Materials)Categorized
- ₹1,200 UPICash Desk / Labour PayoutLogged
- No Live Bank LoginYou download the statement; we post the books.
- Built India-FirstUPI QR, WhatsApp reminders, e-Invoicing.
- Human-in-the-Loop AIAI suggests; you confirm before posting.
- India-Hosted & EncryptedData stays in India. Files encrypted at rest.
- Free to StartNo credit card. Try the core desk today.
How it works
Three steps. No bank login.
Upload Bank Statement
Drop PDF or CSV statements from any bank. No bank links or credentials required.
Books Fill Automatically
AI parses, categorizes, and matches invoices and bills automatically.
1-Click Review
Review only unclear rows in a short queue. Click confirm; the system learns.
Product pillars
Daily money work — handled
Built for how Indian SMEs, CAs, and thekedars actually run money — not for bank-password anxiety.
Instant Invoices & Faster Collections
GST invoices with UPI QR / Razorpay / Paytm / Google Pay links. Share on WhatsApp.
Smart Purchasing & Vendor Audit
AI bill capture from photo/PDF. 3-way match (PO ↔ Delivery ↔ Bill). Approvals before money leaves.
1-Click CA & Compliance Readiness
Day-close summary, month-end CA pack (P&L, Balance Sheet, GST CSVs), and GSTR-2B/3B comparison.
Special spotlight
Contractor & Labour Desk
Built for jewellers, factory owners, and thekedars who pay workers daily — not for Silicon Valley payroll software.
- Notebook photo scrape — AI parses handwritten attendance.
- Company GST bill + worker NEFT/UPI pay list generation.
- WhatsApp + PDF worker slips and bank statement matching.
Compare
ZetaBooks vs Excel vs QuickBooks
| Capability | ZetaBooks | Excel | QuickBooks |
|---|---|---|---|
| Data entry burden | Statement upload → auto books | Manual every day | Heavy setup + ongoing entry |
| Bank connection safety | No live bank login — file upload only | N/A (you paste numbers) | Often requires bank feeds / links |
| Indian payments & WhatsApp | UPI QR, Paytm/GPay links, WhatsApp reminders | Manual copy-paste | Limited India-first workflows |
| Contractor / labour desk | Photo scrape, slips, NEFT match | Separate notebooks | Not built for thekedars |
| CA readiness | 1-click CA pack + GSTR compare | Spreadsheet chaos at month-end | Reports, but India GST friction |
Full feature index
Everything in the desk
A) Bank → Books Engine
- PDF / CSV statement upload from any Indian bank
- Auto-categorization and duplicate detection
- Invoice and bill auto-matching
- Confirm-before-post review queue
B) Invoicing & Collections
- GST invoices with HSN / SAC support
- UPI QR and Razorpay / Paytm / Google Pay links
- WhatsApp share and payment reminders
- Partial payments and credit notes
C) Purchases & Vendor Audit
- Bill capture from photo or PDF
- Purchase orders and delivery notes
- 3-way match: PO ↔ Delivery ↔ Bill
- Approval before payout
D) Financial Close & Reports
- Day-close money summary
- P&L and Balance Sheet exports
- GST CSV packs for your CA
- GSTR-2B / 3B comparison
E) Security & Audit Controls
- No live bank credentials ever
- India-hosted infrastructure
- Encrypted file storage
- Role-based access and activity trail
F) Team & Operations
- Team invites and role permissions
- Cash counter / desk collections
- Payroll helpers for office staff
- Multi-workspace on Large
G) AI Coach (Confirm-before-save)
- AI suggests category and payee
- You confirm before books post
- Learns from your confirmations
- Unclear rows never silent-post
H) Contractor Desk
- Worker roster and attendance
- Handwritten notebook photo scrape
- NEFT / UPI pay lists
- WhatsApp + PDF worker slips
Pricing
Exact plans. Start free.
Free forever
Free Forever
₹0
No card required
Statement parsing, cash counter, starter invoices, contractor desk up to 20 workers.
- Statement parsing → books
- Cash counter
- 2 sent invoices
- Contractor desk · up to 20 workers
Books desk
Medium
₹899/ mo
Yearly ₹8,630 · ~20% off
Unlimited invoices/POs, team tools, payroll, GSTR-2B/3B compare, CA pack.
- Unlimited invoices, quotations, credit notes
- Team invites, payroll, purchase orders
- GSTR-2B / 3B compare + CA pack
- Contractor stays at Free limits (20 workers)
Most popular
Medium + Contractor
₹1,198/ mo
Yearly ₹11,501 · ~20% off
Everything in Medium + up to 75 workers, photo scrape, bank match, WhatsApp worker slips.
- Manage up to 75 workers
- Photo scrape · bank match · NEFT CSV
- WhatsApp + PDF worker slips
- Everything in Medium included
Firm scale
Large
₹1,499/ mo
Yearly ₹14,999
Everything above + unlimited workers, multi-client workspace, AR aging, priority onboarding.
- Everything in Medium + Contractor
- Unlimited contractor workers
- Multi-client / multi-workspace firm
- AR aging + priority onboarding
Refer & earn: ₹1,000 cash on yearly invites · ₹500 off for them · T&Cs apply
Refer & earn
Earn ₹1,000 cash for every business you invite
Help fellow business owners simplify their books. When they join ZetaBooks on a Yearly plan, they get ₹500 off — and you get ₹1,000 cash (UPI / balance).
Yearly referral — cash loop
- You earn ₹1,000 cash (UPI / balance)
- They pay ₹8,130 instead of ₹8,630 (₹500 off)
Monthly referral — credit loop
- You get ₹500 subscription credit (1 month free)
- They also get ₹500 credit — no cash out
Create a free ZetaBooks account and copy your referral link from Settings.
Share with shop owners, suppliers, or fellow traders.
Yearly paid signup = ₹1,000 cash for you. Monthly = 1 month free credit for both.
T&Cs apply. One reward per referred business. Applies only when the referred business buys a paid plan (Medium / Medium+Contractor / Large). Self-referrals and free plans do not qualify. Yearly = cash to referrer + ₹500 off for them. Monthly = ₹500 subscription credit each (no cash). Payouts subject to verification. T&Cs apply.
FAQ
Straight answers. No fluff.
How does the ₹1,000 referral work?
Share your referral link. When someone you invite buys a Yearly paid plan, you earn ₹1,000 cash (UPI / balance) and they get ₹500 off checkout. Monthly referrals give ₹500 subscription credit to both — not cash. One reward per referred business. Free plans and self-referrals do not qualify. T&Cs apply.
Will you connect to my bank?
No. Never. You download the statement file from your bank and upload PDF or CSV. ZetaBooks does not ask for live bank login, OTP, or account linking.
Is my data safe?
Yes. India-hosted infrastructure, hashed passwords, encrypted files, and zero data selling. Your books stay yours — we are not in the ad business.
I'm not technical. Can I still use this?
Three simple steps: upload statement, review unclear rows, confirm. Start free in under a minute. If you get stuck, schedule a WhatsApp demo — we walk you through it live.
Does my CA need a separate login?
On paid plans you can share a CA pack (P&L, Balance Sheet, GST CSVs) and invite team members. Your CA keeps control of the GST portal — we prepare the numbers, not the filing login.
What about contractors and daily labour?
The Contractor Desk supports attendance photo scrape, pay lists, WhatsApp/PDF slips, and bank matching — built for thekedars, factories, and jeweller labour desks.
Start free on ZetaBooks
Automation where it counts. Clarity when it matters.