Chop Finance / AI native financial infrastructure
The finance firm, rebuilt for the age of AI.
AI native financial infrastructure for startups and MSMEs. We are democratising financial services for the masses, starting with accounting.
Journal Voucher AI native ledger entry No. 2026/0001 Dr Spreadsheets, manual close, MIS that arrives 30 days late 200 yrs
Cr Chop Finance Real time
Narration
Being the transfer of India's finance function from paper and people-hours to AI native infrastructure.
Products
Two products today. One financial backbone.
How Chop works
One finance systemfrom source to report
Every source lands in one review flow
Tally, Zoho, bank feeds, marketplace files and founder notes move through the same finance operating layer.
Reports update as the work closes
Approved changes flow into MIS, channel P&L, investor reporting and collections summaries without another spreadsheet pass.
Connect the tools your team already uses
Start with your accounting system and sales channels, then add bank and collection workflows as the business scales.
Forecast cash before month close
Use the same reconciled base to see runway, receivables pressure and margin movement while the month is still live.
Product I / AI CFO
Revenue Trend Revenue from operations across selected periods
Receivables Ageing Outstanding invoices by due bucket
Cash Balance Cash balance trend showing monthly changes
Runway Forecast Actuals and projected months of cash
Your MIS, closed before the month is.
AI CFO connects to your books, bank and sales channels, then builds the reports a CFO would: live, accurate and ready for the board.
MIS dashboard Revenue, expenses, cost of sales, receivables, payables, cash balance and runway in one view.
Channel P&L Contribution by channel across Shopify, Amazon, Flipkart and Blinkit, built from settlement files.
SKU COGS Landed cost per SKU, so gross margin is real and not an estimate.
Investor reporting Board packs and monthly investor updates from the same numbers.
Deep analysis Financial score and flux analysis that explains every month-on-month swing.
AI coworker Ask why margin dropped and get the answer with the entries behind it.
Product II / AI Receivables
Get paid on time, without the awkward calls.
AI Receivables reads your outstanding invoices, sends reminders that sound like you, and escalates only when it needs to. Your team sees who owes what, and when they have promised to pay.
Live ageing Receivables bucketed by days overdue, synced from your books.
Smart sequences Reminders timed to due dates, with tone that steps up as an invoice ages.
Your voice Each message is drafted with the invoice, amount and payment details attached.
Promise-to-pay Replies are read and logged, so follow-ups land on the date the customer gave.
Collections reporting DSO, recovery rate and top overdue accounts, every week.
0 to 30 daysINR 12.4L
31 to 60INR 5.1L
61 to 90INR 2.3L
90+INR 1.8L
- Day -3Friendly heads-up
Invoice INV/26-27/0412 for INR 1,18,000, due 15 Oct.
- Day +2Gentle reminder sent
Hi Rohan, a quick note that invoice 0412 is now two days past due. The payment link is below for convenience.
- Day +4Reply read by AI
Customer promised payment by 22 Oct. Follow-up rescheduled.
- Day +9Escalate to founder if unpaid
Only if the promised date passes.
Services
Need people, not just software?
Our CA-led team delivers incorporation, accounting, tax, compliance and fractional CFO work on the same platform.
Incorporation
Private limited setup, GST and trademark registrations.
Accounting
Monthly bookkeeping on Tally or Zoho with reconciliations.
Tax and compliance
GST, TDS, ROC filings and statutory audit coordination.
Fractional CFO
Budgeting, FP&A, unit economics and board reporting.
Fundraise support
Financial models, data rooms and investor diligence.
Annual packages
Fixed-fee bundles for early-stage companies and MSMEs.
About / Our story
Built for startups and MSMEs that take finance seriously.
Chop Finance combines AI automation with a dedicated finance team to run bookkeeping, reporting and CFO-level support for growing companies in India, so they never outgrow their financial systems.
2025Year founded
USD 176KFunding raised
7People on the team
Vision
Good finance has always been a privilege of large companies. We are democratising financial services for the masses, starting with accounting.
Built for the few
India has millions of MSMEs and a fast-growing startup base. Most run on late books and no clear view of cash.
AI first, CA checked
AI handles the repetitive work: entries, reconciliations, MIS. Chartered accountants review, sign off and advise.
Big four quality, startup speed
Accurate books, monthly close and investor-ready reporting at a price a first-year company can afford.
Leadership
Finance, product and AI leaders building Chop.
Founder passNo. 01
Nayan Goswami
Co-founder & CEO
Driving Chop Finance towards a future where financial intelligence becomes a strategic advantage for every business.
Chartered Accountant with investment banking experience and a vision to redefine financial management for growing businesses.
Leads business strategy, growth and market expansion.
Founder passNo. 02
Ananya Goswami
Co-founder & CPO
Leads product vision, strategy, and user experience, turning complex financial workflows into intuitive solutions.
Bridges customer insights, product innovation, and strategic partnerships.
Building financial technology around how businesses actually operate, grow, and make decisions.
Founder passNo. 03
Dipankar Laskar
Co-founder & CTO
Leads technology strategy, engineering, and platform architecture.
Building the scalable, reliable technology infrastructure that powers intelligent financial operations.
Transforming complex financial processes into seamless, technology-driven systems.
Founder passNo. 04
Arunav Buragohain
Co-founder & CAIO
Leads AI research and development, building intelligent agents for complex finance and accounting workflows.
Driving the integration of AI into financial operations through intelligent automation.
Building the intelligence layer for a future where finance works smarter, faster, and at scale.
Security / Security and privacy at Chop
How we protect your financial data.
Your financial data is the lifeblood of your business. Chop is built from the ground up with enterprise-grade security, complete transparency and a firm commitment to your privacy.
SOC 2 infrastructureAES-256TLS 1.3OAuth 2.0Role-based accessRead-only connections
Enterprise-grade security
Built on SOC 2 compliant infrastructure
The standard enterprises demand, for companies of every size.
- Data is encrypted at rest with AES-256 and in transit with TLS 1.3.
- Systems connect over OAuth 2.0. No passwords stored, no credentials cached.
- Role-based access, so only authorised users see your numbers.
Your data stays private
Never used to train AI models
Your figures belong to you. Never shared, never sold.
- Your data never improves our models and is never shared with third parties.
- Your information never appears in responses to any other customer.
- Close your account and your data is permanently removed.
Connections
Security at every step of the connection.
When you connect Chop to your accounting software, bank and sales channels, protection is built into each step.
- 1One-click secure connection
Connect over OAuth 2.0, with no passwords stored or transmitted.
- 2Read-only access
Chop requests read permissions only. We cannot modify, delete or transfer your data.
- 3Continuous sync, continuous security
Encrypted connections keep data current with immediate disconnection on suspicious activity.
FAQ
Frequently asked questions
How is my data stored?
In encrypted databases using AES-256. Data moving between your systems and Chop uses TLS 1.3. We run on leading cloud infrastructure with automatic backups and disaster recovery.
Who can access my data?
Only authorised users in your organisation. Our team follows least-privilege access, so no employee has access they do not need. Any support access requires your explicit permission and is logged.
What happens if I disconnect Chop?
You stay in control. Disconnect any source system from your settings at any time. When you close your account, all your financial data is permanently deleted within 30 days.
Do you sell or share my data?
Never. We do not sell, rent or share your financial data. We do not use it for advertising, share it with partners or use it to train AI models.
How do you handle security incidents?
We maintain a full incident response plan. If an incident occurs, affected customers are notified within 72 hours with a clear account of what happened, what data was affected and what we are doing about it.
Have security questions? For documentation or urgent matters, put "URGENT" in the subject line. security@chopfinance.ai
Press / Newsroom and socials
News, media kit and where to find us.
Company boilerplate, leadership and our social channels. For interviews and media requests, write to us.
About Chop Finance - Boilerplate
Chop Finance is AI native financial infrastructure for startups and MSMEs. Its platform combines AI agents with chartered accountants to deliver accounting, compliance, real time MIS and collections, either as a fully managed service or as software for in-house finance teams. Founded in 2025 and headquartered in Bengaluru, Chop's mission is to democratise financial services for the masses, starting with accounting.
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