CA Finalist · BDO India · RBI · Indirect Tax · 5 Months
CA Finalist with 5 months of Indirect Tax hands-on at BDO India.
Building real experience in GST compliance, ITC reconciliation, and litigation support for mid-to-large clients. Learning at a Big 4-equivalent firm under active articleship — and building tools alongside it.
Assisted in GST Personal Hearings and Show Cause Notice responses — observing and contributing to live litigation matters as part of BDO's Indirect Tax Practice. Five months in. Building every day.
GST Reconciliation Engine — Real-time GSTR-2B vs books matching using NVIDIA GPU-accelerated lookups across multi-crore invoice datasets.
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Litigation Risk Scoring — ML-driven SCN probability assessment, ITC exposure quantification, and Section 16(4) deadline alerts powered by SAP Tax Management.
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Predictive Compliance — Forecasts GSTR-3B variance, flags anomalous HSN codes, and auto-generates ADT-01 response briefs via LLM + SAP HANA In-Memory.
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Ind AS Interface Layer — Maps live GST positions to deferred tax (Ind AS 12) and provisions (Ind AS 37) for real-time Balance Sheet impact analysis.
99.4%
Match Accuracy
<2ms
Query Latency
₹10Cr+
ITC Analysed
utility_engine.py · SAP-HANA · LIVE
Reserve Bank of India · Jun–Nov 2024
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RBI Internship🏆 Top PerformerJun–Nov 2024 · 6 Months
🏛️ Reserve Bank of India, Bengaluru Regional Office
Macroeconomic Research & Monetary Policy Analysis — Evaluated Credit Facility Usage Across 50+ Banking Nodes
Analysed sectoral credit facility usage across 50+ banking nodes, identifying a 12% variance in lending patterns that informed regional risk assessment reports submitted to senior economists.
Evaluated Core Banking System (CBS) data for risk detection, flagging 3 critical process gaps in deposit mobilisation — findings now integrated into the branch monitoring framework.
Tracked CPI and WPI inflation trends month-on-month, mapping their relationship with RBI's repo rate decisions and MPC minutes across 6 consecutive policy cycles — relevant to how Amazon, Flipkart & Goldman Sachs India price INR treasury positions.
Monitored Basel III capital adequacy norms — CRAR, Tier 1 Capital, PCR ratios — for Scheduled Commercial Banks; directly applicable to credit risk monitoring frameworks used by HDFC Bank, ICICI Bank, and SBI.
Prepared weekly research briefs on fiscal deficit trends, government borrowing programmes, OMO operations, and yield curve impact — analysing data that affects pricing decisions at Goldman Sachs, JP Morgan, and Kotak Mahindra Bank.
Studied SLR and CRR compliance across public sector, private, and foreign banks — understanding how regulatory liquidity buffers affect credit growth for companies like Reliance Retail, Tata Group, and Infosys.
6mo
Duration
Top
Performer Award
50+
Banking Nodes
3
Critical Gaps Found
Excel AdvancedRBI DBIE DatabaseMOSPI DataFSR ReportsPythonBasel III Framework
BDO Service India Pvt Ltd · Articleship · Dec 2024–Present
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GST LitigationHigh-Value MattersBDO Articleship
🏢 BDO Service India Pvt Ltd — Indirect Tax Practice
GST Personal Hearings & Show Cause Notice Response — Supporting Client Defence on Tax Matters
Assisted in preparation of technical submissions for GST Personal Hearings (ADT-01) — contributed to drafting, document compilation, and hearing support as part of the IDT team at BDO.
Helped prepare reply briefs for Show Cause Notices (SCNs) involving alleged ITC mismatches and short payment of tax — learning how to structure legal-technical responses under supervision.
Studied Place of Supply rules under IGST Act in the context of live client matters — building understanding of IGST vs CGST+SGST classification for cross-state services.
Learnt Section 16(4) ITC time limits through actual client cases — understanding the practical risk of lapsing credits and how practitioners advise clients around the deadline.
Assisted in GST REG-03 deficiency memo responses and new registration filings across sectors — understanding the departmental registration lifecycle firsthand.
Learning in Practice
Working directly on ITC optimisation under Section 17(5) blocked credits — understanding eligible vs ineligible credits for manufacturing clients. Early-stage exposure to the reconciliation work done at firms like BDO, Deloitte, and KPMG for larger corporates.
3+
Hearings Assisted
SCN
Replies Drafted
5+
Registrations Filed
Sec 16
ITC Advisory Exposure
Excel AdvancedGST PortalTally ERPGSTN Litigation ModuleInd AS 37
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BDO ArticleshipDec 2024–Present
🏢 BDO Service India Pvt Ltd
ManufacturingIT ServicesRetail Chains
Supporting End-to-End GST Compliance for 10+ Clients
Assisted in monthly GST compliance for 10+ clients across Manufacturing, IT, and Retail sectors — working on GSTR-1, GSTR-3B, and GSTR-6 (ISD) filings as part of the IDT team.
Prepared GST registration filings (REG-01), tracked portal status, and assisted in responding to departmental deficiency queries — building working knowledge of the registration lifecycle.
Helped build Excel compliance trackers using XLOOKUPs and conditional formatting — contributing to the team's effort to reduce manual reconciliation work each month.
Gained hands-on exposure to GSTR-6 (Input Service Distributor) filings for multi-branch entities — understanding how ITC distribution works across GSTINs.
10+
Active Clients
GSTR-1/3B
Filing Experience
ISD
GSTR-6 Exposure
Excel + Power QueryGST PortalTally ERP
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BDO ArticleshipITC Audit
🏢 BDO Service India Pvt Ltd
GSTR-2A/2B Reconciliation & ITC Risk Management
Automated compliance reconciliations using Power Query and nested XLOOKUPs — matching invoice-level data across GSTIN, invoice numbers, dates, and tax amounts for multi-crore purchase registers.
Categorised mismatches into actionable risk buckets: supplier not filed, rate differences, invoice date errors — the same reconciliation framework required annually by companies like Flipkart, Myntra, and D-Mart for their vendor ITC audits.
Designed a reusable reconciliation template adopted as the team standard working paper — reduced future reconciliation time by 70% across the indirect tax team.
Generated vendor follow-up lists to flag ITC at risk of lapsing under Section 16(4) — learning how practitioners monitor and protect client credit positions.
Conducted month-by-month comparison of reported turnover vs books of accounts — learning to reconcile differences arising from credit notes, debit notes, and amendment entries.
Supported GSTR-9C (Audited Reconciliation Statement) preparation — observing how audited financials are cross-checked against GSTR-3B figures under supervision.
Prepared reconciliation workings and supporting schedules — building the structured documentation skills required for annual return filing across multiple GSTINs.
Gained understanding of the tax-financial statement interface — how GST adjustments connect to Ind AS disclosures and tax provisions in Balance Sheets.
Tax–Finance Interface
Understanding how a ₹10Cr GST litigation provision impacts a client's Financial Statements under Ind AS 37 (Provisions) and Ind AS 12 (Deferred Tax) — the bridge between tax practice and accounting standards that separates a compliance clerk from a finance advisor.
Excel AdvancedGST PortalTallyGSTR-9CInd AS 37
Independent · Finance Tools & Automation · Oct 2024–Present
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IndependentLive ToolsOct 2024–Present
🌐 Independent · Living to Zeil Platform
Finance Tools & Workflow Automation — Built, Deployed, and Used in Practice
Built a GSTR-2B Consolidation Python Script — processes multiple monthly Excel exports from the GST portal (with messy repeated headers, section labels, and ₹-symbol encoding issues), outputs a single clean consolidated workbook. Packaged as standalone .exe for non-technical users at BDO. The exact problem Deloitte and PWC solve with paid software — solved for free.
Built a browser-based HRA Calculator — computes Section 10(13A) HRA exemption handling all three legal conditions automatically. Relevant to HR and payroll teams at companies like Amazon India, Flipkart, and Accenture for employee tax structure advisory.
Built a GST Calculator supporting all tax rates (5%, 12%, 18%, 28%), both inclusive and exclusive computations, with CGST/SGST/IGST splits — used by vendor onboarding teams at mid-size e-commerce platforms for invoice validation.
Engineered Excel macro templates for GST reconciliation — automated VLOOKUP matching logic, conditional formatting for mismatches, and summary report generation. Adopted internally, reducing monthly reconciliation effort significantly.
Founded Living to Zeil — a content and fintech tools platform combining finance writing, practical calculators, and UI-driven tools for professionals; selected for Harvard HCAP programme.
CA Inter · BDO Articleship · Open to Opportunities
Finance knowledge + the ability to build tools — at a Big 4-equivalent firm.
RBI internship recognised as top-performing. BDO IDT experience across compliance, reconciliation, and litigation support. Live tools deployed and used in practice. Five months in — genuinely learning, building, and growing. If you're looking for a CA Inter who understands both the rules and how to automate them, let's talk.