setff.in

The credit in your books is not
the credit on the portal.

Input tax credit arrives only if your supplier’s filing says the right thing about you. There are six ways that fails — and only one of them is a supplier who never filed. The gap has a cause, and a deadline: 30 November.

Start now — free until 30 November

Try last month in your browser first: two files, no signup, nothing uploaded.
Or explore the dashboard with sample data.

Your books
GST portal
INV/2026-27/00417,560
inv-41matched
INV/2026-27/00423,330
not filedmissing
PPD-2627-091238,700
PPD/2627/0912matched
VE/041/26-275,580
VE-41matched
VE/042/26-2722,950
not filedmissing
00001781,764
178matched
KP20262700782,016
not filedmissing
SSC-8937,314
SSC-89matched
Credit at risk₹4,86,000

Sample month · 1 distributor · 47 suppliers

01 · The problem

Six ways the credit goes missing.

Five of them happen with your supplier fully compliant. The obvious one — never filed at all — is the smallest, and shrinking.

Filed late

Past 30 November the credit is gone, with nobody at fault you can point to.

Filed wrong

Your GSTIN mistyped, the sale booked as B2C, the wrong period. They’re compliant. You lose the money.

GSTR-1 filed, 3B never filed

Rule 37A: reversal plus 24% interest — and invisible in your GSTR-2B by construction.

Amended away

Revised in a later return, quietly gone from a 2B you already reconciled.

Registration cancelled

Retrospectively — credit you took months ago, challenged today.

Never filed

Still real below the e-invoicing threshold. Above it, increasingly engineered out.

02 · How it works

Three steps, once a month.

You already download GSTR-2B. Setoff needs that, plus the purchase register you already keep.

STEP 01

Give it two lists

Your purchase register and your GSTR-2B. Upload them, connect Zoho Books, or let the Tally agent send the register on its own each night.

STEP 02

See what’s missing, and why

Every line lands in one of four buckets. The one that matters is in your books, absent from the portal — with a rupee figure and a cause on it.

STEP 03

Get it fixed, on the record

Setoff drafts the WhatsApp message, invoice by invoice, and keeps a dated log of what was sent and when — until the credit shows up on the portal.

03 · Who it’s for

One product, two chairs.

You run the business

A distributor, a wholesaler, a manufacturer — one GSTIN, hundreds of purchase lines a month, margins where 18% GST leaking on even a few invoices is the difference between a good month and a bad one.

Setoff watches the portal against your books and tells you the moment credit goes missing — while your supplier can still fix it with a correction slip, not after the deadline has turned it into a dispute.

You see the number. You send the message. It comes back.

You file for the businesses

A CA practice with thirty or three hundred client GSTINs. Your fee is the same whether or not anyone chases — so this isn’t an efficiency tool, and we won’t pitch it as one.

When ₹4 lakh of a client’s credit expires on 30 November, the client asks why nobody told them. Setoff is the dated record that says you did — per supplier, with what was sent and when. And because it sees your whole practice, it can tell you a supplier has defaulted across twelve of your clients before the thirteenth signs them.

One queue across every client, biggest rupee first.

04 · What Setoff can see

Six columns. Not your books.

Matching an invoice needs the invoice, not the ledger behind it. Everything else stays where it is — which is the answer when a client asks what you’ve handed over.

Read

  • Supplier GSTIN
  • Supplier name and phone
  • Invoice number
  • Invoice date
  • Taxable value
  • Tax amount

Never read

  • What you bought
  • Quantities and unit prices
  • Your sales and margins
  • Your customers
  • Bank and payment data
  • Anything from your ledgers

05 · What it costs

Roughly 5–10% of what it recovers.

Both numbers sit on your dashboard, every month — what Setoff found and brought back, next to what Setoff costs. If that ratio ever stops making sense, stop paying. It’s monthly.

From ₹1,999 a month

for a single GSTIN. A practice pays ₹4,999 a month up to fifty client GSTINs, ₹9,999 to one-fifty. Pay for the year and two months are free — and until 30 November, the launch offer takes the first year to half, paid months starting 1 December. Three plans, published — no quote call, no “contact sales”.

06 · The offer

Free until 30 November.

Not a trial that expires in some arbitrary month — free through the one date that matters, the day pending credit lapses for good. Sign up any time before it; pay nothing until it passes. You’ll spend the deadline week watching Setoff work, which is exactly when you’ll know what it’s worth.

Refer a business, get a month free when they convert. When a business you refer becomes a paying customer, a month comes off your own bill — one month per referral, no cap. No forms, no payout, no commission: just a shorter invoice. For practising CAs the arrangement is different — you buy the workspace and bill your own clients for the service, so your fee arrangements stay entirely yours.

Start with the month you have

Run the free check on last month’s register — right now, in your browser. If it finds nothing, you’ve lost ten minutes and learned your suppliers file properly.

07 · Straight answers

Before you ask.

Doesn’t Tally already do reconciliation?

It does, and it stops at the report. Tally sees one company; the portal moves on its own clock; and the causes that cost the most — a supplier who filed with your GSTIN mistyped, or filed GSTR-1 but never filed 3B — need the portal read back against your books month after month, with a record of who was told what and when. That record is the product.

Under IMS, doesn’t everything get accepted automatically?

Yes — if the invoice is there, and correct. Deemed acceptance covers records sitting on the portal. It does nothing for an invoice reported against the wrong GSTIN, amended away in a later return, or never uploaded — there is nothing there to accept.

What happens to the free check’s data?

Nothing, because it never leaves the browser. The matching runs on your machine in JavaScript. Close the tab and it’s gone. Open developer tools and watch the network panel if you’d rather verify than trust.

Will it work with my invoice numbering?

Probably. INV/2026-27/0041, inv-41 and 41 are treated as one bill, and rounding differences under two rupees aren’t flagged as mismatches. Where the invoice number is unusable, it falls back to matching on amount and date. Send us a month that breaks it and we’ll fix the matcher.

Who is this actually for?

Businesses buying from a lot of suppliers on thin margins — distribution, pharma, hardware, FMCG — and the CA practices who file for them. If you have six suppliers, you don’t need software for this.