We are a technology company
solving for money.
Zoffer is an AI-native financial operating system for India's 63 million MSMEs — accounting today, intelligence tomorrow, credit next.
DPIIT-recognised NSUT-incubated Incorporated Nov 2025 New Delhi, India
63M MSMEs drive 30% of India's GDP. None of them have a CFO.
Manual accounting
Owners spend 10+ hours a week entering bills manually. They still don't know if they made money this month.
Decisions on gut
Tally is for accountants. Zoho Books has 50+ screens. Excel doesn't talk back. So owners run on gut — burn unknown, cash cycle unknown, margin unknown.
Invisible to credit
₹30 lakh crore in MSME credit goes unmet — not because businesses can't repay, but because there's no financial trail to assess them.
Each gap creates the next: manual accounting starves intelligence, no intelligence starves credit access — and no one is solving the full chain.
One ecosystem. Three verticals. Fully connected.
AI Accounting
Where your money has gone.
WhatsApp-native bill capture, extracted by AI and auto-logged to your books after you approve. Plus natural-language Q&A over your own numbers.
Finance Intelligence
Where it should go.
An AI advisor grounded in GST law, ITR rules and Indian tax code, reading your live books — filing deadlines, deduction opportunities, compliance risk, cash-flow forecasts.
Loan Aggregation
Where to bring more from.
Clean, structured books make an MSME legible to a lender. Zoffer becomes the pre-qualification layer into India's ₹30 lakh crore MSME credit gap.
Indian MSMEs don't need another tool, they need a stack. Zoffer is built as three connected products: accounting today, intelligence next, credit to close the loop. Each vertical creates the data the next one needs.
Infrastructure is favourable. Businesses are digitising. Technology allows.
- Account AggregatorAA-routed lending crossed ₹1.67 lakh crore in FY25.
- OCENOne integration opens 20+ lenders.
- RBI ULIGovernment rails to structure MSME data for credit.
- GST digitisation1.51 crore GST-registered businesses, all required to keep books.
- MSME digitisationNearly half of India's 63M MSMEs now bill digitally.
- AI cost collapsePer-bill AI extraction costs dropped 10× in two years.
"Two years ago, this ecosystem wasn't buildable on a seed budget. Two years from now, the window will be crowded. The moment is now."
Founder's vision, experience, and relation to the problem.
Before Zoffer, Chirag Goyal founded and scaled a defence technology startup — a ₹1.5 crore iDEX grant for the indigenous development of multi-spectral identification tags, readable across the NIR, SWIR and MWIR bands; a ₹2.2 crore order executed end-to-end for India's Para units, the country's most elite army force; and the largest defence channel partnership for ideaForge, India's largest defence drone company. He has spent 5+ years founding and running his own businesses — and the accounting bottleneck at the centre of Zoffer is one he hit personally. Zoffer exists because he needed it himself.
The mission: give every Indian MSME the power of an AI CFO in their pocket.
The team
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Chirag Goyal Founder
Built and scaled a defence technology startup before Zoffer. Has run his own businesses for 5+ years — and lived the accounting problem Zoffer solves.
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Aditya Raj Shrivastava Tech Lead
Leads engineering. Around five years building and shipping production software.
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Advisor Chartered Accountant
A practising CA who manages the books of 50+ Indian MSMEs. Advises on product and opens the CA channel.
Capabilities ahead.
The roadmap we're building toward — not what ships today.
- ✓Reach every set of books — Tally support is next, followed by QuickBooks. Tally pre-register →
- ✓From recording to advising — RAG over GST and ITR, agentic workflows, live MIS, cash-flow forecasting and filing deadlines.
- ✓Speak how India speaks — Hindi and regional-language support, plus voice notes, so forwarding a bill needs no English at all.
- ✓Rails to credit — Account Aggregator, OCEN and RBI's ULI: the infrastructure to turn clean books into working capital.
- ✓The CA channel — a multi-firm dashboard, one login across every client's books, on the roadmap for accounting firms.