Aalekh
Financial OS
for MSMEs.
Turning financial data into intelligence, and intelligence into credit.
Kanishq Gupta · Founder & CEO
www.aalekh.ai
02 / 14 · Problem
The Problem
Indian MSMEs don't fail on
ideas. They fail on
finance.
Untapped MSME credit
$300B
The structural credit gap banks won't touch , because MSME books aren't structured,
verified, or trusted.
01
CAs are drowning. Invoice entry, bank reconciliation, compliance reminders ,
done by hand, at scale.
02
Books banks distrust. Scattered, semi-digital data means lenders can't
underwrite MSMEs.
03
Software that's too much or too little. Legacy tools are complex; new tools
are dumb.
04
CAs are the gatekeepers , and right now, the bottleneck too.
03 / 14 · Solution
The Solution
One platform sitting between CAs and MSMEs ,
automating the books, structuring the data,
and unlocking the credit.
automating the books, structuring the data,
and unlocking the credit.
Three layers, one product
AUTOMATION → INTELLIGENCE → LENDING
04 / 14 · Product
How it Works
Three layers that compound.
Layer 01 · Automation
Remove the toil.
- AI invoice processing & OCR
- Automated bank reconciliation
- GST, ITR & compliance tracking
- Document generation & audit prep
- Smart reminders & notifications
Eliminates 70–80% of manual accounting work.
Layer 02 · Intelligence
Make data decide.
- Real-time financial dashboard
- AI chat for financial queries & filings
- Business Health Score & risk flags
- Cash flow & profitability insights
Turns scattered data into structured, decision-ready intelligence.
Layer 03 · Lending
Convert to credit.
- AI-based loan eligibility scoring
- Pre-qualified MSMEs on real data
- Direct NBFC & bank integrations
- Faster approvals on verified financials
Converts accounting data into lending power.
05 / 14 · Product
Inside the Product - CA Dashboard
06 / 14 · Market
Market Opportunity
SaaS gets us in. Lending is the prize.
Global accounting software TAM
$17.7B
Growing rapidly as AI automation re-platforms a legacy category.
Indian CAs on manual tools
5.28 L
Fewer than 10% use true AI automation today , a near-greenfield.
MSME credit gap
$300B
The real prize. Lenders are eager; they just need data they can trust.
Globally replicable
Global
Similar accounting ecosystems make Aalekh's model portable beyond India.
07 / 14 · Business Model
Business Model
Subscriptions compound. Lending accelerates.
Primary · paid by CAs
Per-client SaaS.
₹99 /
$1
PER ACTIVE CLIENT · PER MONTH
Billed monthly or annually to the CA firm. One CA ≈ 100+ MSMEs, so revenue grows
linearly with client count while infrastructure cost barely moves , 88% gross margin today.
Secondary · lending flywheel
Commission & underwriting.
2–5%
COMMISSION PER LOAN FACILITATED
Plus NBFC & bank underwriting fees for pre-qualified MSMEs. As our data corpus grows,
our scoring improves , which attracts more lenders, which generates more revenue per client.
08 / 14 · Traction
Traction
Real users. Real workload. Real margins.
CAs onboarded
150+
Each CA brings ~100 MSMEs , a compounding distribution engine.
MSMEs connected
6,000+
Live, structured financial data flowing into the platform.
Enterprise clients
5
Early validation of the upmarket motion.
Documents processed / mo
20,000
Reconciliations / mo
12,000
Gross margin
88%
09 / 14 · Why Now & Moat
Why Now · Moat
The window is open. The data compounds.
Why Now
01
Compliance complexity is rising , GST, ITR
filings are overloading CAs and MSMEs.
02
MSMEs are digital, but their financial data
remains stubbornly unstructured.
03
AI is finally good enough for real-time
automation and trustworthy insights.
04
Lenders need reliable data to close the $300B
credit gap.
Our Moat
◆
Proprietary financial data , continuous GST,
bank, and invoice feeds.
◆
CA-led distribution , 1 CA = 100+ MSMEs, with
high switching cost.
◆
AI + Indian compliance context ,
purpose-built for GST, ITR, ICAI norms.
◆
Lending flywheel , data → scoring → lenders →
revenue → more data.
10 / 14 · GTM
Go-to-Market
Win the CA. Inherit the MSMEs.
Today · five motions
01
Digital acquisition , performance, content, CA communities
02
CA associations & institutes , top-down accreditation
03
Integration partners , Razorpay, Paytm Business, Zoho, Tally
04
Free trials & structured referral program
05
Webinars & demo days for CA firms
The Long Shot
National, then global.
ICAI partnership , institutional endorsement unlocks the long tail of the 5.28 lakh CA network.
Geographic expansion into Southeast Asia, MENA, and Africa , markets with nearly identical accounting ecosystems and credit gaps.
The SaaS playbook travels; the lending flywheel localises.
11 / 14 · Team
Team
Operators who've done it before.
CEO · Founder
Kanishq Gupta
Ex-Vigyos CEO. Scaled fintech from zero to ₹1 Cr in sales in year one. Winner , IIT
Bombay TTMM, Eureka, Seed Stars, IIT Guwahati Startup Challenge. Previously SDE@Mindtree; built for
MyMandi, Farmko, TimesOOH.
CTO · Co-Founder
Tanishq Gupta
Transunion AI Engineer, Ex-Bajaj Data Scientist. 5+ yrs data experience. Built
finance chatbots for US & UK clients. Contributor on Bajaj's fraud-detection & insurance teams. HackerRank
& LeetCode topper; MITS Electrical Engineer.
Financial Advisor
CA Amit Singhal
Partner at Indicorn Angels, Fluid Ventures & RTAF. Director at ASR, Easy Knowledge
Club, Greenzo Energy. Chartered Accountant bringing deep ICAI and CA-firm operating context.
Team
CA Atul Gupta
Board Member IFAC and Chairman GST Committee at FII (Federation of Indian Industry),
President ICAI (2020-21).
12 / 14 · Financials
Financials · 3-Year Outlook
From pilot scale to national adoption.
Fiscal year
Revenue (₹Cr)
Active CAs
Active clients
Gross margin
Narrative
FY 25–26
0.45
250
3,000
88%
Scaling across Tier-1 cities via referral growth.
FY 26–27
5
20,000
400,000
90%
National adoption through CA association partnerships.
FY 27–28
20+
80,000
1,600,000
92%
Global expansion into SEA & MENA markets.
CAC
₹1,000
LTV
₹2 L
Churn
< 4%
13 / 14 · The Ask
The Ask
We are raising
₹1.5 Cr
$162K · at ₹15 Cr valuation
12-month outcomes
→
Scale to 10,000+ CAs and 2,00,000+ clients.
→
Achieve ₹1.5 Cr ARR and 85% gross
margins.
→
Build the AI foundation for global expansion.
Use of funds
35%
Product , AI engine, predictive insights, multilingual
30%
Sales & marketing , digital, CA tie-ups, referrals
20%
Team expansion , AI, growth, customer success
10%
Operations, infrastructure, legal, security
5%
Contingency reserve
14 / 14 · Cap Table
Cap Table
Who owns what , pre & post.
Pre-Round · Current (11,356 shares)
Kanishq Gupta · Founder / Director
44%
Tanishq Gupta · Co-Founder / Director
44%
Angel Round · 12 investors (Enrission India - Japan Angel Network)
10%
Pre-Seed ES · 6 investors (IIT Mumbai Angels - Includes 6 Angels)
2%
Total Raised (to date)
₹90.67 L
Pre-Money Valuation
₹15 Cr
Post-Money Valuation
₹16.5 Cr
Founder Stake (Post)
80.06%
Aalekh
End · Thank You
Let's build it.
The financial operating system for every MSME , in India, and then beyond.
Founder & CEO
Kanishq Gupta
Phone
+91 7000 360 484
Web
aalekh.ai