How much business money can you legally save?
RBI, NPCI & Income-Tax rules — decoded into plain language for Indian small businesses. Every rupee we show you is backed by an official rule, a source link and a verification date. Zero tax evasion. Ever.
Zero-MDR routing, small-merchant QR
The Google of business savings
Ask anything about UPI fees, 44AD, GST credit or regime choice — we surface the exact free tool for it.
18 free tools · every answer sourced from RBI, NPCI, Income Tax Dept, CBIC or GST Portal
The zero-evasion method
Paliwal Saver finds money you are legally entitled to keep — not loopholes that break payment-network or tax rules.
Enter your real numbers
Turnover, collection mix, expense categories — plain business estimates. We never ask for PINs, OTPs or bank passwords.
We match official rules
The engine maps your numbers against RBI MDR circulars, NPCI limits, Section 44AD/44ADA and the GST ITC map — with sources and dates.
Save legally — on the record
Every rupee of savings comes with the exact rule, eligibility conditions and documents you need. Nothing hidden, nothing evasive.
Three engines. Every rupee sourced.
No sign-up. No data grab. Enter business-level estimates and get rule-matched results with sources, conditions and verification dates.
PayDesk — UPI fee finder
P2M · 0.4% > ₹2,000Enter an amount and check fees under the announced 0.4% UPI P2M framework — plus which zero-MDR categories your business may qualify for.
Smart Compare
44AD · 44ADA · slabsCompare presumptive taxation (44AD/44ADA) against regular books under both regimes — one view, all paths, sourced to the Income-tax Act.
GST ITC Scanner
Section 16/17(5)Rent, software, supplies — see which expenses carry claimable input tax credit, which are blocked under 17(5), and what documents you are missing.
The rulebook, on call.
A compliance-first AI that answers in English, Hindi or Hinglish — and refuses evasion tricks with the exact reason why.
Payment costs decoded
RBI/NPCI MDR rules, small-merchant QR allowances, zero-MDR categories — explained in your language.
Tax paths compared
44AD/44ADA presumptive vs regular books, new vs old regime, 87A rebate — with eligibility conditions.
EN · हिंदी · Hinglish
Ask in whichever language you think in. Saver AI mirrors you — no translation friction.
Compliance-first: evasion attempts are refused with the exact rule. Insurance questions route to Paliwal Secure AI (IRDAI POSP IP429834).
Saver AI
rule engine v1
Namaste! Main Saver AI hoon — Paliwal Saver ka rule-engine brain. 🛡️
Ask me anything about UPI fees, Section 44AD, new vs old regime, or GST input credit. Main sirf legal, rule-sourced batata hoon — sources ke saath.
Kis side se shuru karein?
Estimates only — verify with a qualified professional before acting. Saver AI nevers asks for PINs/OTPs.
Straight answers, no fine print.
We do: rule-matched legal savings with sources.
We never: splitting, suppression, off-books — refused on the spot.
Aapka paisa. Aapke haath.
Run all three engines, add up your annual impact, and keep every rupee the rules already owe you — legally, on the record.