Getting Started
Finkr uses an email-based, passwordless signup flow. There is no traditional username/password combination to remember.
Creating an Account
- 1Go to the Finkr login page.
- 2Click "Sign Up" or enter your email if you already have an account.
- 3Enter your First Name, Last Name, and Email Address.
- 4Click "Continue".
- 5A 6-digit One-Time Password (OTP) will be sent to your email.
- 6Enter the OTP on the verification screen.
- 7Your account is created and you will be directed to the plan selection screen.
Note:The OTP is valid for 10 minutes. If it expires, request a new one.
Signing In
After entering your registered email, the system will prompt you for an OTP. You will be redirected based on your subscription status:
| Status | Redirect |
|---|---|
| Active subscription | Notice Dashboard |
| Expired/inactive subscription | Renewal page |
| No subscription yet | Plan selection / home page |
OTP-Based Authentication
- A 6-digit code is sent to your registered email every time you log in.
- The code expires in 10 minutes and is single-use.
- If you request a new OTP, the previous one is automatically invalidated.
- OTP-based auth is more secure than passwords — your email becomes your secure key.
Caveat:Ensure you have access to your registered email to log in. If you lose access, contact support.
Google Sign-In
- 1On the login page, click "Continue with Google".
- 2Select your Google account and grant access.
- 3You will be redirected back to Finkr and logged in.
- 4If this is your first time, a new Finkr account is created automatically.
Caveat:If you signed up with email OTP and then try Google Sign-In with the same email, they link to the same account. A different email creates a new account.
Account Activation (Trial vs Paid)
Starting the Free Trial:
- 1From the plan selection screen, click "Start Free Trial".
- 2Your trial activates immediately — 7 days, up to 5 clients.
- 3No billing information required.
- 4You will receive reminder emails as your trial approaches expiry.
Caveat:The free trial is available once per account. You cannot restart it after it ends.
Subscribing to a Paid Plan:
- 1Choose a tier: Starter, Pro, or Max.
- 2Enter your billing details (name, address, PAN number).
- 3Optionally enter a GST number for a GST invoice.
- 4Optionally apply a coupon code for a discount.
- 5You will be redirected to Razorpay to complete payment.
- 6After payment, your subscription activates immediately.
Caveat:Subscriptions are billed annually. Monthly billing is not available.
After Activation — What's Next
- 1Add your clients — Go to Manage → Add Client to add your first client.
- 2Wait for data sync — Finkr automatically fetches their tax data. This may take several hours for the first sync.
- 3Explore the dashboard — View demands, proceedings, returns, and insights.
- 4Try AI features — Use notice analysis and response generation when handling client notices.
Key Caveats
| # | Caveat |
|---|---|
| 1 | You must have access to your registered email address to log in (OTP-based). |
| 2 | The free trial is one-time per account — once used, it cannot be restarted. |
| 3 | Client data is fetched via background jobs. There may be a delay of several hours after adding a new client. |
| 4 | Subscriptions are annual — there are no monthly billing options. |
| 5 | Google Sign-In and email OTP are both valid for the same account if using the same email. |
Subscription Plans
Finkr offers tiered subscription plans for individual tax professionals and CA firms of different sizes.
Available Plans
| Plan | Clients | Annual Price | Best For |
|---|---|---|---|
| Trial | 5 | Free (7 days) | Evaluation only |
| Starter | 50 | ₹4,999/year | Small practices |
| Pro | 100 | ₹8,999/year | Mid-size practices |
| Max | 250 | ₹17,999/year | Large practices |
All paid plans include: Notice Dashboard, Tax demands monitoring, E-proceedings tracking, ITR status tracking, AI notice analysis, AI response generation, Fink AI assistant, AI Portfolio Health, bulk client import, and data export.
Subscribing to a Paid Plan
- 1Select your desired plan (Starter, Pro, or Max).
- 2Fill in billing information: Full Name, Phone, PAN Number, Billing Address, State.
- 3Optionally enter your GST number for a GST invoice.
- 4Optionally apply a coupon code for a discount.
- 5Review the final amount and click "Proceed to Payment".
- 6Complete payment via Razorpay (Cards, Net Banking, UPI, Wallets).
- 7Your subscription activates immediately upon successful payment.
Upgrading Your Plan
You can upgrade to a higher tier at any time while your current subscription is active.
- 1Go to Account Settings → Billing & Subscription.
- 2Click "Upgrade Plan" and select the higher tier.
- 3Review the prorated amount — you only pay the difference for the remaining days.
- 4Complete payment via Razorpay. Your plan upgrades immediately.
Caveat:Downgrades (e.g., Pro to Starter) are not available mid-subscription. Choose a lower tier when renewing after expiry.
Renewing Your Subscription
- Auto-renewal is enabled by default via Razorpay — it charges your payment method before expiry.
- For manual renewal: go to the Renewal page, select a plan, complete billing details and payment.
- Renewal is calculated from the original expiry date — you don't lose any days.
Caveat:If your subscription has been expired for a long time, contact support — there may be a gap in data sync.
Additional Clients (Add-Ons)
| Plan | Base Clients | Can Add More? | Additional Cost |
|---|---|---|---|
| Trial | 5 | No | Not available |
| Starter | 50 | Yes | ₹100/client/year |
| Pro | 100 | Yes | ₹100/client/year |
| Max | 250 | Yes | ₹100/client/year |
Note:Additional clients are a separate Razorpay add-on subscription and auto-renew alongside your main plan.
Coupon Codes
- 1On the subscription/renewal page, find the "Have a Coupon?" field.
- 2Enter your coupon code and click "Apply".
- 3The system validates and shows the discounted price.
- 4Proceed with payment (no payment needed for free coupons).
Coupon types: Discount Coupons (percentage or fixed) and Free Access Coupons (fixed days of free access). Each coupon has an expiry date, usage limit, and is typically one-time per account.
Subscription Status Explained
| Status | What It Means |
|---|---|
| Active | Subscription is live, billing is active, full access |
| Trial | Free trial is running — access limited to 5 clients |
| Expired | Subscription period ended — access revoked until renewal |
| Cancelled | You cancelled — access continues until original expiry date |
| Paused | Razorpay subscription paused — contact support |
Key Caveats
| # | Caveat |
|---|---|
| 1 | Subscriptions are annual only — no monthly billing option. |
| 2 | The free trial is one-time only — once used, it cannot be restarted. |
| 3 | Downgrades mid-subscription are not supported. |
| 4 | Additional client slots are available for paid plans only, not the trial. |
| 5 | Coupon codes cannot be applied after a subscription is already active. |
| 6 | Data is retained during expiry — it is not deleted. Renewing restores access. |
Client Management
Each client represents a taxpayer whose notices, demands, proceedings, and returns you are managing. Finkr uses the client's PAN ID and portal credentials to log into the Income Tax e-Filing portal on their behalf.
Important:You must have your client's Income Tax portal username (PAN ID) and password to add them. Finkr needs these credentials to access and sync their tax data.
Adding a New Client
- 1From the Notice Dashboard, click "Manage" in the left sidebar.
- 2Click the "Add Client" button (top right of the client list).
- 3Fill in the required details in the Add Client form.
- 4Click "Save" to add the client.
- 5Finkr will immediately trigger a background data sync for the new client.
Client Fields Reference
| Field | Required? | Description |
|---|---|---|
| Name | Yes | Client's full name (up to 100 characters) |
| PAN ID | Yes | Client's 10-character Permanent Account Number (e.g., ABCDE1234F) |
| No | Client's email address (must be unique across all clients) | |
| Phone | No | Client's phone number (up to 15 characters) |
| Portal Password | Yes | Client's Income Tax portal login password (used for data sync) |
| Client Type | Yes | INDIVIDUAL or COMPANY |
| Business Type | Yes | AUDITED or NON_AUDITED |
Note:Portal passwords are stored securely and are never exposed in the UI. They are only used for automated data retrieval.
Client Types
| Type | When to Use |
|---|---|
| INDIVIDUAL | For individuals, HUFs, or sole proprietors |
| COMPANY | For private limited companies, LLPs, partnerships, trusts, etc. |
| AUDITED | Client's accounts are audited under the Income Tax Act |
| NON_AUDITED | Client's accounts are not subject to tax audit |
Bulk Importing Clients (CSV/Excel)
Upload a CSV or Excel (.xlsx) file with columns: name, panId, email, phone, businessType, clientType.
- 1Go to Manage in the sidebar.
- 2Click "Import Clients" button.
- 3Select your CSV or Excel file.
- 4Finkr validates all rows automatically.
- 5A summary shows: Total rows, Successfully imported, Failed rows.
- 6Failed rows show specific error messages (e.g., "Duplicate PAN", "Invalid email").
Caveat:Bulk import does not include portal passwords. After import, add passwords individually for data sync to work per client. Import is rate-limited to 1 import per 5 minutes.
Common Import Errors
| Error | Cause | Fix |
|---|---|---|
| Duplicate PAN | Client with that PAN already exists | Skip or update the existing client |
| Invalid PAN format | PAN is not the correct 10-character format | Verify and correct the PAN |
| Duplicate email | Email already registered for another client | Use a unique email or leave blank |
| Name too long | Name exceeds 100 characters | Shorten the name |
Client Verification Status
| Status | Meaning |
|---|---|
| Verified | Last portal login was successful — data sync is working |
| Incorrect Password | The portal password is wrong — needs to be updated |
| Incorrect Username | PAN ID may be incorrect or the account does not exist |
| Account Deactivated | The client's Income Tax portal account is disabled |
| PAN Not Found | PAN does not exist on the portal |
Client Data Sync
- Initial sync is triggered immediately when you add a new client.
- Recurring syncs happen approximately every 12 hours by default.
- Data may take a few hours to appear after adding a new client.
- If a sync fails, it is retried automatically up to 3 times.
- Common sync failure reasons: incorrect credentials, portal maintenance, account locked, network issues.
Key Caveats
| # | Caveat |
|---|---|
| 1 | Portal credentials are required for data sync. Without the correct password, Finkr cannot fetch tax data. |
| 2 | PAN IDs are unique per account — you cannot add the same PAN twice. |
| 3 | Email addresses are globally unique across all Finkr users. |
| 4 | PAN ID cannot be edited after a client is created. Delete and re-add if a PAN was entered incorrectly. |
| 5 | Deleting a client is irreversible — all their data is removed from your dashboard. |
| 6 | The Income Tax portal may occasionally be under scheduled maintenance — sync failures during maintenance are normal and resolve automatically. |
Notice Dashboard
The Notice Dashboard is the main workspace in Finkr. It provides a consolidated view of your entire client portfolio's compliance status — notices, demands, proceedings, and returns — all in one place.
Sidebar Navigation
| Section | Description |
|---|---|
| Overview | Main dashboard with AI Insights summary and ITR Filing Status |
| Return Status | ITR filing status across all clients |
| Proceedings | E-proceedings and notices requiring action |
| Demands | Tax demand notices with outstanding amounts |
| Manage | Client management (add, edit, import, delete) |
| AI Insights | Portfolio health and compliance intelligence |
Main Dashboard Summary Cards
- What's New Banner — shows new/updated records since your last visit.
- Fink AI Insights Section — shows client count breakdown (Critical / Attention / Good), key AI-generated bullet points, and priority clients.
- ITR Filing Status Section — visual chart of filing status for all clients for the selected Assessment Year.
What's New System
- Every time Finkr syncs data, it identifies new or updated records.
- New records show a red badge on the corresponding section in the dashboard and sidebar.
- Items are automatically marked as seen when you view them.
- You can bulk-mark all items as seen using "Mark All as Seen".
Subscription Banner
| Banner | When It Appears |
|---|---|
| Trial Active | You are on the free trial — shows days remaining |
| Trial Expiring Soon | Trial has 3 days or fewer remaining |
| Subscription Expiring | Paid subscription expires within 7 days |
| Subscription Expired | Your subscription has expired — action required |
Key Caveats
| # | Caveat |
|---|---|
| 1 | The dashboard shows data for all clients at once. Use filters to narrow down by client. |
| 2 | Data freshness depends on sync status — if a client's sync is failing, their data may be stale. |
| 3 | What's New badges are user-specific — they track what's new since your last login. |
| 4 | The dashboard requires an active subscription. Expired subscription redirects to the renewal page. |
Tax Demands
The Tax Demands section shows all outstanding demand notices raised by the Income Tax Department against your clients. A tax demand is an amount determined as owed, arising from assessment orders, Section 143(1) intimations, appeals, or penalties.
Demands List View
| Column | Description |
|---|---|
| Client Name | Name of the taxpayer |
| PAN ID | Client's Permanent Account Number |
| Assessment Year | The year the demand is for (e.g., AY 2023-24) |
| Section Code | Section under which the demand was raised (e.g., 143(1)) |
| Outstanding Amount | Amount currently due in Indian Rupees |
| Due Date | Date by which the demand must be addressed |
| Status | Current status of the demand |
| Accruing Interest | Whether interest is accruing on this demand |
Demand Detail View
- Demand reference number, section code and description, assessment year.
- Original outstanding amount vs. current outstanding amount (may differ after partial payment).
- Interest details — whether accruing, start date, rate, and computed accrued interest.
- AO (Assessing Officer) response details if available.
- Notice document (downloadable PDF) and related closure orders.
- Full timeline: demand raised, payments made, responses filed, etc.
Demand Status Values
| Status | Meaning |
|---|---|
| Outstanding / Pending | Demand is unpaid and due — action required |
| Paid | Demand has been fully settled |
| Partially Paid | Some amount paid, balance is outstanding |
| Disputed | Client has filed a dispute/appeal — under review |
| Rectification Filed | Rectification request submitted to the department |
| Stayed | Demand payment stayed by court/tribunal order |
| Adjusted | Demand was adjusted against a refund |
Accruing Interest
Accruing interest means the demand amount is increasing over time. Interest rate is specified in the demand details and Finkr shows the computed accrued interest based on rate and time elapsed.
Important:If a demand has accruing interest, it is particularly urgent. The accrued interest shown is Finkr's calculation — always refer to the official portal for exact figures before making payments.
Key Caveats
| # | Caveat |
|---|---|
| 1 | Demand data is fetched from the Income Tax portal — there may be a lag if the portal is not immediately updated. |
| 2 | Accrued interest is computed by Finkr based on available data — verify on the portal for official amounts. |
| 3 | Finkr does not facilitate direct payment of demands — you must pay via the Income Tax portal or authorized banks. |
| 4 | Downloading demand documents uses temporary secure links that may expire. Re-open the detail view for a fresh link. |
Proceedings (E-Notices)
E-Proceedings are electronic proceedings initiated by the Income Tax Department. They include scrutiny notices, inquiry notices, assessment notices, and compliance notices. Each proceeding has a response due date — missing it can result in ex-parte orders and penalties.
List View Columns
| Column | Description |
|---|---|
| Proceeding Name | Name/description of the proceeding |
| AY | Assessment Year the proceeding relates to |
| Type | FYA (For Your Action) or FYI (For Your Information) |
| Status | Current state: Pending, Submitted, Open, etc. |
| Last Activity | Date of most recent activity on this proceeding |
| Issued Date | Date the notice was issued by the department |
| Limitation Date | Statutory deadline after which the department cannot take further action |
Calendar View
The calendar view shows proceedings plotted on a monthly calendar by their response due dates — ideal for planning your workload and spotting upcoming deadlines you might miss.
Proceeding Types
| Type | Meaning | Action Required? |
|---|---|---|
| FOR YOUR ACTION | The department expects a response from the taxpayer | Yes — response due before due date |
| FOR YOUR INFO | Informational notice — no response required | No — but review recommended |
Important:Always prioritize FOR YOUR ACTION proceedings. Missing the response deadline can result in adverse ex-parte orders.
Common Notice Sections
| Section | Typical Use |
|---|---|
| 143(1) | Intimation — automated processing adjustment |
| 143(2) | Scrutiny notice — selection for detailed examination |
| 148 | Notice to reassess income (income escaped assessment) |
| 142(1) | Notice requiring return filing or document submission |
| 131 | Summons or notice for appearance/documents |
| 156 | Notice of demand for payment |
| 271(1)(c) | Penalty for concealment of income |
| 270A | Penalty for under-reporting or misreporting |
Preparing a Response
- 1Open a proceeding's detail view.
- 2Click "Prepare Response".
- 3Optionally upload supporting documents (PDFs, DOCXs, XLSXs).
- 4Click "Generate AI Response" or write your own.
- 5Review and refine the drafted response.
- 6Copy the response text and log into the Income Tax e-Filing portal to submit.
- 7Mark the response as submitted in Finkr for your records.
Important:Finkr does not directly submit responses to the Income Tax portal. Submission must be done by you on the official portal (incometax.gov.in).
Due Date Filters
| Filter | Shows |
|---|---|
| Overdue | Items past their response due date |
| Due Today | Items due today |
| Due This Week | Items due in the next 7 days |
| Due This Month | Items due in the current calendar month |
| Due Next Month | Items due in the following month |
Key Caveats
| # | Caveat |
|---|---|
| 1 | Finkr does not submit responses to the Income Tax portal — only drafts and tracks them. |
| 2 | Missing a response due date can result in ex-parte orders and penalties. |
| 3 | FOR YOUR INFO proceedings require no response, but reviewing them is still important. |
| 4 | Proceeding data is synced from the portal — there may be a delay between notice issuance and appearance in Finkr. |
| 5 | Document download links are temporary — re-open the detail view for a fresh link. |
Return Status
The Return Status section gives you a consolidated view of ITR filings for all your clients — filing status, form used, e-verification, refund status, and any defects.
Return Status List View
| Column | Description |
|---|---|
| Client Name | Name of the taxpayer |
| PAN ID | Client's PAN number |
| Assessment Year | The AY for which the return was filed (e.g., AY 2024-25) |
| ITR Form | Form number filed (ITR-1, ITR-2, etc.) |
| Filing Date | Date the return was originally filed |
| Status | Current processing status of the return |
| Refund Status | Whether a refund is due, issued, or not applicable |
ITR Form Types
| Form | Applicable For |
|---|---|
| ITR-1 (Sahaj) | Resident individuals with salary, one house property, other income up to ₹50 lakh |
| ITR-2 | Individuals/HUFs with capital gains, multiple properties, foreign income/assets |
| ITR-3 | Individuals/HUFs with business or professional income |
| ITR-4 (Sugam) | Presumptive taxation for businesses/professionals |
| ITR-5 | Firms, LLPs, AOP, BOI, AJP |
| ITR-6 | Companies (other than exempt under Section 11) |
| ITR-7 | Trusts, political parties, research institutions, etc. |
Return Status Values
| Status | Meaning |
|---|---|
| Filed | Return has been submitted but not yet e-verified |
| Verified | Return has been e-verified — processing can now begin |
| Processing | CPC is currently processing the return |
| Processed | Return has been processed — intimation received under 143(1) |
| Defective | Return has a defect — requires rectification within 15 days |
| Under Scrutiny | Return selected for detailed scrutiny under 143(2) |
| Completed | All processing complete, no outstanding action |
E-Verification Status
After filing an ITR, the return must be e-verified within 30 days. Without e-verification, the return is treated as not filed.
- Aadhaar OTP — Most common and instant
- Net Banking — Login to bank and verify
- Bank ATM — Generate EVC at ATM
- Demat Account — Verify through NSDL/CDSL
- Physical ITR-V — Send signed copy to CPC by post (not recommended)
Caveat:A return not e-verified within 30 days is treated as invalid. Monitor this closely in the Return Status section.
Refund Status
| Status | Meaning |
|---|---|
| Not Applicable | No refund due |
| Refund Due | Return processed, refund amount determined |
| Refund Issued | Refund sent to the client's bank account |
| Refund Failed | Bank transfer failed — needs updated bank details |
| Refund Adjusted | Refund adjusted against outstanding demand |
| Refund Pending | Processing not yet complete |
Available Documents
- Acknowledgment (ITR-V) — proof of filing, always save this.
- AIS / Form 26AS — tax deducted/collected statements.
- Intimation Order — under Section 143(1), shows tax calculation by CPC.
- ITR Form PDF — the filed form.
- TIS (Taxpayer Information Summary) — if available.
Note:Documents are stored securely. Download links are temporary — if a link fails, re-open the detail view.
Key Caveats
| # | Caveat |
|---|---|
| 1 | Data is fetched from the Income Tax portal — returns only appear after the portal is synced. |
| 2 | E-verification is time-critical — a return not e-verified within 30 days is invalid. |
| 3 | Finkr does not file returns — it only tracks returns filed on the Income Tax portal. |
| 4 | Defective returns require action within 15 days — prioritize these immediately. |
| 5 | Refund status may lag behind actual bank credit by a few days. |
AI Features
Finkr has built-in AI capabilities powered by Azure OpenAI (GPT-4o) to help you work faster and more accurately.
AI Features Overview
| Feature | Where to Find | What It Does |
|---|---|---|
| Notice Analysis | Proceeding detail → "Analyze Notice" | AI reads the notice and gives a plain-language summary with key dates, risk level, and suggested action |
| AI Response Generation | Proceeding detail → "Prepare Response" → "Generate AI Response" | AI drafts a legally appropriate response to the notice |
| AI Response Refinement | Inside the response preparation panel | Fine-tune the AI draft (expand, formalize, shorten, etc.) |
| Supporting Document Parsing | Inside the response preparation panel | Upload documents — AI reads and uses them as context |
| Fink AI Assistant | Floating chat widget (bottom right) | Chat with an AI assistant about your portfolio, notices, demands, and more |
| Portfolio Health | AI Insights page | AI-generated health scores and compliance summaries |
| Client Health Report | AI Insights page → "Health Report" | Detailed AI analysis of a single client's compliance status |
Notice Analysis
Click "Analyze Notice" on any proceeding to get an AI-generated summary including:
- Plain-language summary of what the notice is about
- Key dates — response due date, limitation date, etc.
- Required action — what exactly the taxpayer needs to do
- Risk level — High / Medium / Low based on notice type
- Suggested response type — Compliance, Objection, Appeal, or hybrid
- Relevant sections of the Income Tax Act referenced in the notice
- Key documents the taxpayer should gather
Note:Analysis streams in real-time — you see sections appearing as the AI generates them, without waiting for the full output.
AI Response Generation
- 1Open any proceeding in the E-Proceedings section.
- 2Click "Prepare Response".
- 3Optionally upload supporting documents (PDFs, Excel, DOCXs) for AI to reference.
- 4Click "Generate AI Response".
- 5The AI drafts a complete response using the notice content, client info, and uploaded documents.
Response categories the AI uses:
| Category | When Used |
|---|---|
| Compliance | You agree with the notice or are providing requested information |
| Objection | You disagree with the notice and are contesting it |
| Appeal | Formal appeal against an order or demand |
| Partial Compliance | You agree with parts and contest others |
| Adjournment Request | Requesting more time to respond |
AI Response Refinement
| Action | What It Does |
|---|---|
| Expand | Adds more detail, elaboration, and supporting arguments |
| Simplify | Reduces legal jargon and uses clearer language |
| Formalize | Converts to formal legal language for official correspondence |
| Shorten | Condenses the response to key points only |
| Add Citations | Inserts references to relevant IT Act sections, CBDT circulars, and case law |
| Strengthen Arguments | Makes the position more compelling |
| Custom Instructions | You write specific instructions in plain language for the AI to follow |
Fink AI Assistant
Fink is Finkr's built-in AI assistant — a conversational interface to your entire client portfolio. Access it via the chat bubble icon in the bottom right corner.
What you can ask Fink:
- "How many clients have overdue proceedings?"
- "Which clients have the highest outstanding demands?"
- "Show me clients with returns not yet e-verified for AY 2024-25"
- "What are all the notices for PAN ABCDE1234F?"
- "What is the deadline for responding to a 143(2) notice?"
Fink has access to real-time tools: query_notices, query_demands, query_returns, and query_refunds to search your portfolio data.
Deep Dive Mode
Deep Dive is a focused analysis mode for a specific client, triggered from the AI Insights page. Fink opens with the client's full context loaded, presents a checklist of recommended actions, and provides step-by-step guidance.
AI Tokens
| Action | Token Usage |
|---|---|
| Notice analysis | Medium |
| Response generation | High (reads notice + documents + generates long response) |
| Each refinement | Medium |
| Fink chat messages | Low to Medium depending on complexity |
| Portfolio health report | High (analyzes all clients) |
| Client health report | Medium |
Key Caveats
| # | Caveat |
|---|---|
| 1 | AI-generated responses are drafts, not final submissions. Always review carefully. You bear professional responsibility for submissions. |
| 2 | AI may occasionally hallucinate — always verify legal citations before including them in official submissions. |
| 3 | Document parsing works best with text-based PDFs. Scanned images may not parse correctly. |
| 4 | Fink's portfolio data is cached for 5 minutes — if data just synced, wait a few minutes before querying. |
| 5 | Health reports are cached for 6 hours — click "Refresh" to force a new generation. |
| 6 | AI analysis is for guidance only — it does not constitute legal or professional advice. |
AI Insights
The AI Insights section provides a bird's-eye view of your entire client portfolio's compliance health. Instead of reviewing each client one by one, AI surfaces which clients need your attention, how urgent their issues are, and what actions are required.
Portfolio Health Dashboard
The top of the AI Insights page ("Fink AI Insights") shows:
- Portfolio Summary — total client count with breakdown by Critical / Attention / Good.
- Key Insights — AI-generated bullet points surfacing the most urgent portfolio-wide issues.
- Priority Clients — highest-priority clients needing immediate attention.
- Client List — searchable, filterable list with health status per client.
Health Status Categories
| Status | Color | When It Applies |
|---|---|---|
| Critical | Red | Overdue notice response, large accruing-interest demand, defective return with pending deadline, multiple unresolved proceedings |
| Attention | Amber | Notice response due in 7-14 days, demands pending payment, return filed but not e-verified, new unreviewed notices |
| Good | Green | All notices responded to, no outstanding demands, all returns e-verified and processed |
Client Health Report
Click "Health Report" on any client to open a detailed AI analysis with:
- Overall Status — health status and summary of the current situation.
- Active Issues — prioritized list: overdue responses, outstanding demands, return defects, e-verification pending.
- Recommended Actions — numbered list of specific actions with deadlines.
- Recent Activity — what changed since the last health report.
Note:Health reports are cached for 6 hours. Click "Refresh" to force regeneration after resolving an issue.
Deep Dive with Fink AI
- 1Go to AI Insights in the sidebar.
- 2Find a client with Critical or Attention status.
- 3Click the "Deep Dive" button on their health summary card.
- 4Fink opens in Deep Dive mode with that client's full context loaded.
- 5Ask detailed questions, follow the action checklist, and mark items complete as you work.
Refresh Status Indicators
| Indicator | Meaning |
|---|---|
| 2 hours ago (green) | Recent successful sync |
| Yesterday (green) | Recent successful sync |
| 3 days ago (amber) | Data may be slightly stale |
| 1 week ago (red) | Data is stale — sync may be failing |
| Sync Failed (red) | Last sync attempt failed — client credentials may need updating |
Key Caveats
| # | Caveat |
|---|---|
| 1 | Health scores are AI-generated assessments — they are indicators, not official compliance certifications. |
| 2 | Portfolio health depends on sync quality — clients with failed syncs may appear Good when they are not. |
| 3 | The AI does not know about offline actions. If you submitted a response on the portal, health score still shows it as open until the next sync. |
| 4 | Good does not mean "fully tax compliant" — it means no currently tracked open issues in Finkr's data. |
| 5 | Fink's data in Deep Dive is cached for 5 minutes — very recent changes may not reflect immediately. |
Account Settings
The Account Settings page lets you manage your personal profile, billing details, subscription information, and email notification preferences.
Accessing Account Settings
- 1Click on your profile avatar or name in the top navigation bar.
- 2Select "Account Settings" from the dropdown.
- 3The settings page opens with three tabs: Profile, Billing & Subscription, and Notifications.
Profile Tab
| Field | Description |
|---|---|
| First Name | Your first name |
| Last Name | Your last name |
| Email Address | Your registered email (cannot be changed — contact support) |
| PAN ID | Your personal PAN number |
| Phone Number | Your contact phone number |
Note:Profile fields are currently read-only in the UI. Contact Finkr support to update your information.
Billing & Subscription Tab
| Item | Description |
|---|---|
| Current Plan | Your active plan (Trial, Starter, Pro, Max) |
| Subscription Status | Active, Expired, Cancelled, etc. |
| Subscription Start / Expiry Date | When your current subscription began and ends |
| Auto-Renewal | Whether Razorpay will auto-charge before expiry |
| Client Limit / Clients Used | Maximum clients allowed vs. current count |
Actions available: Upgrade Plan, Renew Subscription, Cancel Subscription, View Payment History, Add More Clients.
Notifications Tab
| Notification Type | Default |
|---|---|
| Notice Deadline Alerts | On |
| Response Reminders | On |
| Tax Calendar Notifications | On |
| Subscription Renewal Reminders | On |
| System Announcements | On |
| Marketing Emails | On (opt-out available) |
Caveat:Turning off notification emails means you may miss important deadline reminders. Keep Notice Deadline Alerts and Subscription Renewal Reminders on.
Payment History
Access via Settings → Billing & Subscription → View Payment History. Each invoice includes invoice number, date, plan, amount, payment method, status, and a PDF download link.
Key Caveats
| # | Caveat |
|---|---|
| 1 | Email address cannot be changed through the settings page — contact support. |
| 2 | Subscription cancellation stops future billing but does not refund the remaining period. |
| 3 | Auto-renewal is managed by Razorpay — ensure your payment method is valid before the renewal date. |
| 4 | GSTIN verification is done at the time of subscription — ensure it is correct before completing payment. |
Caveats & FAQ
Common questions, known limitations, and troubleshooting steps for Finkr.
Account & Login
I didn't receive the OTP email. What should I do?
Check your spam/junk folder first. OTPs are sent from a no-reply address which some spam filters catch. If not there: wait a minute and click "Resend OTP", ensure you are entering the correct email address, or contact support if the issue persists.
Can I use the same email for both Google sign-in and OTP login?
Yes. If you use the same email address, both methods connect to the same Finkr account and are interchangeable.
I created an account but can't see the dashboard. What's wrong?
After account creation, you need to activate a subscription (start the trial or subscribe to a paid plan) before gaining dashboard access.
How do I change my email address?
Email changes are not available through self-service settings. Contact Finkr support to update your registered email.
Clients & Data
I added a client but their notices are not showing up. Why?
After adding a client, Finkr triggers a background sync that can take several hours for the first sync. If data still does not appear after 24 hours, check the client's verification status in Manage — it may indicate a login failure.
My client's data looks outdated. How often is it refreshed?
Finkr syncs data approximately every 12 hours per client. Persistent sync failures are usually due to incorrect portal credentials — update the client's password in the Manage section.
Can I add the same PAN ID for two different clients?
No. PAN IDs are unique per accountant account — you cannot add the same PAN twice. Edit the existing record instead.
I accidentally deleted a client. Can I recover them?
Deleted clients cannot be automatically recovered. Re-add the client manually. Contact support immediately after accidental deletion — recovery may be possible within a short window.
Subscription & Billing
My subscription shows as expired but I renewed it. Why?
After payment, your subscription may take a few minutes to activate. Try refreshing the page. If still expired after 10 minutes, contact support with your payment reference number.
Can I get a refund if I cancel mid-subscription?
Finkr's standard policy is no refunds for the remaining subscription period upon cancellation. Your access continues until the expiry date. Contact support to discuss exceptional cases.
I'm on the Starter plan and need more than 50 clients. Do I need to upgrade to Pro?
No. You can purchase additional client slots at ₹100/client/year without upgrading tiers. However, if you need 100+ clients, upgrading to Pro may be more cost-effective.
Can I share my account with colleagues?
Finkr is currently a single-user subscription model — one account per subscription. Multi-user/team features may be available in future plans.
Notices & Proceedings
Can Finkr submit responses directly to the Income Tax portal?
No. Finkr assists with drafting, reviewing, and tracking responses — but submission must be done by you on the official portal (incometax.gov.in).
The due date for a notice has passed. Should I still respond?
Yes, in many cases you should still respond even if the due date has passed. You can request condonation of delay. The AI can help draft a response with a condonation of delay request.
I can't find a notice that my client received. Why?
Possible reasons: notice has not yet synced (wait for next sync cycle), client's sync is failing due to credential issues, or the notice may be under a different section than expected — try searching without filters.
Known Limitations
| Limitation | Details |
|---|---|
| Sync delay | New portal data appears in Finkr within 2-12 hours, not in real-time |
| Portal maintenance | Income Tax portal maintenance (usually Sunday nights) causes sync failures — temporary, auto-resolve |
| No direct portal submission | Finkr cannot submit responses or pay demands on the portal directly |
| No return filing | Finkr tracks ITR status but does not file returns |
| Single user per account | No multi-user/team access currently |
| Annual subscriptions only | No monthly billing option |
| AI citation accuracy | AI may include incorrect or outdated citations — always verify before official use |
| Scanned document parsing | Poor quality scanned PDFs may not parse correctly |
Data Freshness & Sync Expectations
| Data Type | Sync Frequency | Expected Freshness |
|---|---|---|
| New notices/proceedings | Every 12 hours | Up to 12 hours after portal update |
| Demands | Every 12 hours | Up to 12 hours after portal update |
| Return status | Every 12 hours | Up to 12 hours after filing |
| Documents (PDFs) | On demand or during sync | May take 1-2 sync cycles |
| Health reports | Cached 6 hours | Up to 6 hours old |
| Fink AI data | Cached 5 minutes | Within 5 minutes of actual data |
Security & Privacy
- Portal passwords are stored in a secure, encrypted database and never displayed in the UI.
- They are only used for automated data fetching from the Income Tax portal.
- When using AI features, relevant data is sent to Azure OpenAI under enterprise data privacy agreements.
- Data is not used to train OpenAI models.
- Your data is retained as long as your account is active. Contact support to request data deletion.
Submitting Feedback & Bug Reports
Click "Feedback" in the left sidebar of the app. Choose a type: Bug Report, Feature Request, UI/UX Feedback, Data Issue, or Performance. Fill in the title and description, optionally attach a screenshot, and submit.
Your submitted feedback is tracked in the Feedback section and the Finkr team reviews and responds to it. Status moves through: Open → In Review → In Progress → Resolved.
Important:For urgent issues (e.g., cannot access your account, payment issues), contact support directly at contact@finkr.ai rather than waiting for in-app feedback responses.
1 / 11