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● AI-NATIVE FINANCE & ACCOUNTING

Books that stay closed-ready. Vippy posts, reconciles and checks every line.

Every bill, payment and bank line lands in the right ledger account with Vippy's suggestion, reconciles against your statement, and rolls into GSTR-1, 3B and 2B - with live e-invoicing and e-way bills from NIC. Trial balance, P&L, balance sheet and cash flow always current.

● Live e-invoice + e-way bill (NIC)● GSTR-1 / 3B / 2B built from the ledger● Multi-company with intercompany entries
🎁
Free Forever
₹0, no credit card, no expiry
Start on the Free Forever plan. Up to 3 users, full ledger with bank reconciliation and GST-ready invoicing, Vippy included, 1,000 AI Credits every month - yours to keep.
Start free →
● YOUR 24x7 AI COMPANION

Vippy keeps the books current around the clock

Every bill, payment and bank line is classified as it lands, so month end is a review - not a rebuild.

  • Suggests ledger accounts for every incoming line in real time
  • Reconciles bank lines overnight and lists what needs a human
  • Answers 'what is our cash position' or 'who is overdue' in plain language
  • Walks the period-close checklist and flags anomalies before you lock
● AI FIRST

Vippy keeps the ledger clean - before month end, not after

The Transaction Classifier suggests debit and credit accounts for every incoming line in real time. The Anomaly Detector flags duplicates and odd entries as they arrive. The Period Close Assistant walks the close checklist so nothing is locked with loose ends.

UNPOSTED LINES · TODAYSwiggy · ₹2,340→ 6310 Staff welfare · 94%Razorpay payout · ₹1,84,200→ 1210 Receivables clearing · 97%Airtel · ₹12,980→ 6220 Telephone & internet · 99%Shree Fabricators · ₹3,40,000→ 5010 Raw material · 91%Rent - Nov · ₹1,20,000→ 6110 Rent · 99%Vippy keeps the ledger clean3 finance agents · real-time + on demandANOMALY DETECTOR⚠ Possible duplicate: Airtel bill on 02 Nov⚠ Round-number JE ₹5,00,000, no reference✓ 212 other lines look normalPERIOD CLOSE ASSISTANTUnreconciled bank lines: 0Accruals + prepaids postedFX revaluation run · 3 accountsDepreciation posted · 14 assetsGSTR-3B matched to books5 lines posted in one click · 2 flagged for reviewYou accept or edit the suggestion - Vippy never posts aloneClose checklist complete → lock NovemberApproval queue for journal entries stays on
FN Transaction Classifier · real-timeFN Anomaly Detector · real-timeFN Period Close Assistant · on demandJournal approval queue stays in controlRuns on Claude via Apragya's governed keys
🎯
14-Day Free Trial
Try Pro free for 14 days - no card needed
Full access: live e-invoicing, GST returns, multi-company consolidation, every enterprise app, 1000 AI Credits during the trial. Switch to Free Forever anytime.
Start trial →
BANK RECONCILIATION

Import the statement. Watch it match itself.

Upload the bank statement and mapping rules match lines to ledger entries - vendors, customer receipts, cheque clearance, charges. What's left gets a suggested entry from Vippy. Month-end reconciliation becomes a review, not a hunt.

  • Statement import (CSV / bank formats)
  • Mapping rules: counterparty, reference and amount patterns
  • Cheque clearance tracking
  • Customer and supplier ledgers reconciled alongside
  • Unmatched lines get a suggested journal entry
  • Reconciliation statement kept per period for audit
ICICI STATEMENT · IMPORTED CSVLEDGER · BANK ACCOUNT 101005 NovUPI · AMAZON SELLER SVCS-18,40005 NovNEFT · RAZORPAY PAYOUT+1,84,20006 NovCHQ 004512 · SHREE FABRICATORS-3,40,00006 NovIMPS · AIRTEL-12,98007 NovBANK CHARGES-590Purchase bill · Amazon18,400Receipt · Razorpay settlement1,84,200Payment · Shree Fabricators (cheque)3,40,000Purchase bill · Airtel12,980rule: UPI·AMAZON → vendor Amazonrule: RAZORPAY → settlement receiptcheque 004512 clearedrule: AIRTEL → vendor AirtelNo ledger entry · Vippy suggestsDr 6400 Bank charges ₹590 · Cr 1010 BankStatement balance ₹42,18,230 = Ledger balance ₹42,18,2304 auto-matched · 1 suggested · 0 unreconciledReconciled ✓
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AI Credits Included
1000 AI Credits free in Trial/Free Forever.
1,000 AI Credits/month free forever. 2,000 to 5,000+ on Custom plans. No "pay per message" surprises. Bring your own key to zero-rate your usage.
See credits →

Vippy works where your team already works

Your team isn't glued to a dashboard. Neither is Vippy. He lives on WhatsApp, in Microsoft Teams, in Slack - and inside every Apragya app.

WhatsApp

Message Vippy on WhatsApp Business. He answers from your workspace with your plan + permissions.

Microsoft Teams

Mention @Vippy in a Teams channel. He answers there as the asker - standing-goal proposals land as cards with Accept / Dismiss.

Slack

Add Vippy to any Slack workspace. Approvals, standing goals, record lookups - all without leaving your DMs.

In the app

The copilot button at the corner of every page. Context-aware for whatever screen you're on. Keyboard-first.

GST · E-INVOICE · E-WAY BILL

Invoice once. IRN, e-way bill and the returns follow.

Sales invoices get their IRN and signed QR from NIC the moment you post them, e-way bills generate from the same document, and every line rolls into GSTR-1, reconciles against GSTR-2B and summarises into GSTR-3B - straight from the ledger, with no re-keying.

  • Live e-invoicing (IRN + QR) and e-way bills via NIC
  • GSTR-1, GSTR-3B and GSTR-2B reconciliation
  • HSN / SAC codes, LUT for exports, GST on advances
  • TDS computation per section
  • Portal-ready JSON exports, period lock after filing
  • Audit trail on every return and amendment
🧾Sales invoice INV-2041Rahul Textiles · ₹5,90,000 · IGST 18%NIC · e-INVOICEIRN 7a3f…c91eAck 112410… · signed QR🚚e-Way billEWB 3412… · 452 km · 3 daysGSTR-1B2B · 1 invoice added · ₹90,000 IGSTJSON readyGSTR-2B reconciliationITC 98% matched · 3 mismatchesJSON readyGSTR-3BOutput ₹14.2L · ITC ₹9.8L · Net ₹4.4LJSON readyALSO FROM THE LEDGERHSN / SAC codes on every lineTDS computed per sectionLUT for zero-rated exportsGST on advancesPeriod lock after filinge-invoice and e-way bill are live with NIC · returns export as portal-ready JSON for you to file
💸
Pay Yearly
2 months free when you pay annually
Pay annually and get 2 months free on any paid plan. Lock in the price before your next invoice.
See yearly plans →

Month end in five steps. Every month the same.

Record, reconcile, review, close, report - the same path for every company and every period, so the trial balance, P&L, balance sheet and cash flow are never a surprise.

MULTI-COMPANY

Many companies. One set of books that consolidates itself.

Run every legal entity in its own currency and chart, post intercompany transactions once and let the mirror entry appear on the other side, then consolidate with translation and CTA under IAS 21. No separate orgs, no spreadsheet roll-ups.

  • Per-company chart of accounts, fiscal periods and currency
  • Intercompany entries mirrored automatically
  • Consolidated trial balance, P&L and balance sheet
  • FX revaluation and IAS 21 translation with CTA
  • Company-scoped roles and approvals
  • Switch companies from one login
🏭Textiles Pvt LtdINR · Tiruppur · parent🏢Textiles FZEAED · Dubai · subsidiary🏛️Group · consolidatedINR reporting · IAS 21IC sale · ₹42,00,000 → AED 1,85,400Dr IC receivable - FZECr Sales ₹42,00,000Dr Purchases AED 1,85,400Cr IC payable - Pvt Ltdmirrored automatically · eliminated on consolidationTranslated at closing rateAED → INR 22.65CTA · other comprehensive income₹1,12,400IC balances eliminated₹42,00,000Consolidated balance sheetBalanced ✓
● PLUGS INTO WHAT YOU ALREADY RUN

Connected to the tools your team already uses

Bank statements, GST portals, your ERP and the apps your accountants live in - connected through Apragya's governed connector library, with credentials scoped to your tenant and every call audited.

Apragya Finance💬🟦🟪📧🔵🪟📁✍️🧾👆🪪🪪📊📊🧲🧩👥💼📘🏢🏢🗄️☁️📂🚚🚚🚚🏥🏥🤖🔌🛡️
MessagingProductivityComplianceBusiness appsEnterprise systemsLogisticsHealthcareAnything else
Most used with Apragya Finance
🟦Microsoft TeamsAsk Vippy for cash position or approvals in Teams.
📧Email (IMAP / SMTP)Bills and statements emailed in become drafts.
🔵Google WorkspaceSheets exports, Drive filing, Gmail intake.
🧾NIC e-Invoice + e-Way billIRN, signed QR and e-way bills generated live from the invoice.
🏢SAP ODataPull or push journals, vendors and customers from SAP.
🏢SAP RFCRFC calls into on-prem SAP through the Tenant Runner.
🗄️PostgreSQLRead legacy ledgers and master data directly.
🛡️Tenant Runner (on-prem)Reach Tally, bank portals or on-prem DBs with no inbound firewall rules.
Also in the connector library · 32 connectors
💬 WhatsApp Cloud API🟪 Slack🪟 Microsoft 365📁 SharePoint✍️ DocuSign👆 ESSL biometric🪪 IDfy KYC🪪 HyperVerge KYC📊 CIBIL📊 Experian🧲 HubSpot🧩 Jira👥 Zoho People💼 LinkedIn📘 Meta (Facebook + Instagram) leads☁️ Amazon S3📂 FTP / SFTP🚚 Blue Dart🚚 Delhivery🚚 Shiprocket🏥 Epic (FHIR)🏥 HAPI FHIR🤖 RPA bots (Vibe Studio)🔌 Custom adapter (REST)

Every connector is governed: tenant-scoped credentials, an audit log on each call, and the Tenant Runner reaches on-prem systems with no inbound firewall rules. Need one that isn't here? The custom adapter wraps any REST API.

Your finance team asks Vippy. In plain language.

Cash position, who hasn't paid, why the ITC claim is lower than 2B - answered from the ledger, with the drill-down one tap away.

V
Vippy
Finance assistant · in-app · Teams · WhatsApp
Live demo
What's our cash position today?
₹1.84 Cr across 3 bank accounts after today's reconciliation. ₹42 L receivables are overdue >30 days - top 3: Rahul Textiles, Omkar Traders, Nova Fab Works.
Why is our 3B ITC lower than 2B?
3 supplier invoices in 2B aren't in your books yet - ₹1,12,600 ITC. Two are Shree Fabricators bills received but not posted.
GSTR-2B mismatches · Nov3 items
In 2B, not in books₹1,12,600
In books, not in 2B₹0
Rate mismatch1 line
Post suggested billsAsk supplierIgnore
4
statements always current: trial balance, P&L, balance sheet, cash flow
Live
e-invoice IRN and e-way bill from NIC, inside the invoice
1 login
for every company in the group, with consolidation built in

Books that follow your country's rules

GST, VAT and withholding taxes, e-invoicing where the tax authority supports it, multi-currency and your own fiscal year are in the core of the ledger - not a tax plug-in bolted on at the end.

Live NIC e-invoice + e-way bill
3 GST returns built from the ledger
4 financial statements always current
₹0 to start

Simple pricing. Start free, scale when you're ready.

One subscription per workspace. Includes every Apragya app you turn on - Finance, CRM, HRMS, Finance, and 12 more. Pricing from the live apragya.ai pricing page.

Free Forever

₹0 / forever

No credit card. No expiry. Keep it as long as you want.

  • Up to 3 users
  • Chart of accounts, journals, general ledger
  • Bank statement import + reconciliation
  • Trial balance, P&L, balance sheet, cash flow
  • GST-ready invoicing with HSN / SAC
  • 1,000 AI Credits / month
  • Community support
Register free →

Every paid plan is tailored to your team, apps, and AI usage. Need multi-entity consolidation, audit support or on-prem? Talk to sales →

Honest answers to honest questions

Does Apragya file GST returns directly?

e-Invoices (IRN + QR) and e-way bills are generated live through NIC. GSTR-1, GSTR-3B and the GSTR-2B reconciliation are built from the ledger and exported as portal-ready JSON for you to upload - with the period locked and the audit trail kept after filing.

Can I migrate from Tally, Zoho Books or ERPNext?

Yes. Import the chart of accounts, opening balances, open invoices and bills, customers and suppliers. Period-wise trial balances let you verify the cut-over before you go live.

How do the AI agents work in accounting?

The Transaction Classifier suggests debit and credit accounts for incoming lines with a confidence score; you accept or edit - it never posts alone. The Anomaly Detector flags duplicates and unusual entries in real time. The Period Close Assistant runs the close checklist on demand.

Does it handle multiple companies and currencies?

Yes - each company has its own chart, periods and currency; intercompany entries mirror automatically; consolidation translates at closing rates with CTA under IAS 21; FX revaluation runs per period.

Where do payroll, purchases and sales entries come from?

From the other Apragya apps. Payroll posts salary and statutory payables, Purchase & Payables posts bills and payments, Sales posts invoices and receipts - all into this ledger, with the source document one click away.

Is my financial data used to train AI models?

No. Vippy runs on Anthropic's Claude through Apragya's governed keys; your data is not used for training, and every AI call is metered against your AI Credits.

Close next month with Vippy on the books

Free Forever for up to 3 users. Ledger, bank reconciliation and GST-ready invoicing included.

Start free - no credit card →

Not just accounting software. The whole AI operating system.

Every Apragya subscription unlocks 15+ enterprise apps + Vibe Studio + Agent Studio + Business Suite. Finance is the ledger they all post to - Payroll, Purchase & Payables, Sales, Travel & Expense and Fixed Assets share the same accounts, the same login and the same Vippy.

INCLUDED

15+ enterprise apps, one subscription

CRM, HRMS, Finance, Procurement, Projects, Contracts, Inventory, Manufacturing, Sales, Support, Travel & Expense, and more. Switch one on, Vippy carries the context across.

Build it yourself

Vibe Studio

Describe what you want in plain English. Vibe Studio builds the app - screens, data, API, agents - and publishes it to your workspace. No developer required.

Workflow canvas

Agent Studio

Drag-and-drop canvas to orchestrate AI agents, approvals, humans-in-the-loop. Connect to any system. Governance + audit log built in.

Ask Vippy anything