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Compliance Health Score

Fifteen questions across GST, TDS, books and statutory filings. You get a score out of 100 and, more usefully, a plain list of what each gap actually costs if it is left alone.

How to use this

You will need: about two minutes and a willingness to answer honestly. Nothing has to be looked up, though it helps to know roughly where your GST and TDS filings stand before you start.

  1. Answer all fifteen questionsThey run across five areas: GST, TDS, bookkeeping and reconciliation, income tax and other statutory filings, and how much financial visibility you actually have. You cannot get a score until every question is answered, because a score built on blanks means nothing.
  2. Use Partly when it is genuinely partlyYes means it happens every time without exception. No means it does not happen. Partly means it happens sometimes, or for some months, or for some suppliers. Most real businesses have several Partly answers and that is fine.
  3. Do not flatter yourselfThe tool cannot see anything you do not tell it. If you answer as you wish things were, you will get a score describing a business you do not own.
  4. Press Get my scoreYou get a score out of 100, a verdict, a percentage for each of the five areas, and a ranked list of every gap with what that specific gap costs.
  5. Read the list, not the numberThe score is a summary. The list underneath is the useful part, because it names the section of law behind each gap and what happens if it is left alone.

Worth repeating in three months. Download the result today, fix what you can, and run it again. The movement between two scores tells you more than either score on its own.

Answer honestly

Nobody sees this but you — it never leaves your browser. A flattering answer only produces a flattering score.

GST compliance

Are all your GST returns filed up to date, with nothing pending?

Do you reconcile GSTR-2B against your purchase register every month, before claiming input tax credit?

Was GSTR-9 filed on time for the last financial year, along with GSTR-9C where it applies?

TDS compliance

Is TDS deducted on every applicable payment: rent, professional fees, contractors, commission, and purchases crossing the Section 194Q threshold?

Is TDS deposited by the 7th of the following month, every month without exception?

Are quarterly TDS returns filed on time, with Form 16 and 16A issued to everyone you deducted from?

Books and reconciliation

Are your books closed and reviewed every month, rather than pulled together at year-end?

Is every bank account, overdraft and cash credit facility reconciled monthly?

Are debtor and creditor balances confirmed against counterparty statements at least once a quarter?

Income tax and statutory

Was last year’s income tax return filed within its due date?

Is advance tax paid across the four instalments, rather than in one lump at the end?

Are your other statutory filings current: ROC, PF, ESI and professional tax, whichever apply to you?

Financial visibility

Can you see last month’s profit within ten days of the month ending?

Do you have a receivables ageing that you actually look at?

Do you know your gross margin by product line, principal or channel, not just overall?

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Take it with you

This is one snapshot.
We build the live version.

Krishwealth Trades gives growing businesses a monthly MIS dashboard, so these numbers update themselves instead of being worked out once a year.

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What your results mean

The score out of 100
A weighted total across the five areas. GST carries the most weight at 30, then TDS at 25, books and reconciliation at 20, income tax and statutory filings at 15, and financial visibility at 10. The weights reflect how quickly and how automatically each area turns into money owed.
The verdict
Strong is 85 and above, Broadly sound from 65, At risk from 40, and Exposed below that. One exception applies: you will not be told you are Strong while a high-risk gap is still open, because a single irreversible gap outweighs a good average everywhere else.
High-risk gaps
The count of items where the consequence is automatic or cannot be undone later — a disallowed expense, a forfeited loss carry-forward, a blocked registration. These are worth attention ahead of anything else on the list, whatever the score says.
The five area percentages
How you scored within each area on its own. A high overall score can still hide one area near zero, so these are worth reading separately. An area under 50 per cent is a system that is not working rather than a few missed items.
The exposure list
Every gap, ranked with the most serious first, each with the provision behind it and the practical consequence. This is written to be read by a business owner rather than an accountant, and it is the part worth taking to whoever handles your compliance.

This calculator gives an indicative estimate based only on the figures you enter. It is not professional advice and must not be relied upon for a filing, a loan application or any statutory position. All calculations run inside your browser and are never sent to Krishwealth Trades unless you choose to download a report.