Internship · Articleship · Live Work

What I've actually done.

Real work, real clients, real compliance. These aren't theoretical exercises — every entry below is from active internship at RBI, articleship at BDO India, or independent practice. Data, filings, audits, and tools I personally built and delivered.

10+

GST Hearings

Attended at BDO India

6mo

RBI Internship

Macroeconomic Research

25+

Clients Served

GST Compliance

Inter Cleared

ICAI · 2025

📊

RBI Internship Top Performer Jun–Nov 2024

🏛️ Reserve Bank of India, Bengaluru

Macroeconomic Research & Monetary Policy Analysis

Analysed India's GDP growth trajectory across FY20–FY24, building data models tracking sectoral contributions — agriculture, manufacturing, services — using RBI's DBIE database and MOSPI datasets.

Tracked CPI and WPI inflation trends month-on-month, mapping their relationship with RBI's repo rate decisions and MPC minutes across 6 policy cycles.

Monitored Basel III capital adequacy norms — CRAR, Tier 1 Capital, PCR ratios — for Scheduled Commercial Banks using RBI's published Financial Stability Reports.

Prepared weekly research briefs on fiscal deficit trends, government borrowing programmes, OMO operations, and their impact on the yield curve.

Studied SLR and CRR compliance across bank categories — public sector, private, foreign — and their operational impact on credit growth and liquidity management.

Received Top Performer award for quality of research output, data accuracy, and timely delivery of assigned briefs.

6mo

Duration

Top

Performer Award

GDP+

Inflation Analysis

Basel III

Norm Monitoring

Excel Advanced RBI DBIE MOSPI Data FSR Reports Python

🧾

BDO Articleship Dec 2025–Present

🏢 BDO Service India Pvt Ltd

GST Compliance & Monthly Filings

Handled monthly GST compliance for 25+ clients — accurate and timely filing of GSTR-1 (outward supplies), GSTR-3B (summary return), and GSTR-6 (input service distributor).

Filed GST REG-01 new registration applications, tracked portal status, and effectively responded to departmental queries and objections.

Attended 10+ GST Personal Hearings before adjudicating authorities on behalf of clients — prepared submissions, supporting documents, and reply briefs that minimised tax demand exposure.

Built Excel-based compliance trackers using VLOOKUP, INDEX-MATCH and conditional formatting to flag missing invoices, duplicate entries, and reconciliation gaps.

25+

Clients

10+

Hearings

Missed Deadlines

Excel Advanced GST Portal Tally ERP

🔍

BDO Articleship ITC Audit

🏢 BDO Service India Pvt Ltd

GSTR-2A/2B Reconciliation & ITC Optimisation

Performed GSTR-2A vs purchase register reconciliation for multiple clients — matching invoice-level data across GSTIN, invoice numbers, dates, and tax amounts.

Categorised mismatches into actionable buckets: supplier not filed, rate differences, invoice date errors, missing entries — prioritised by ITC value at risk.

Created a reusable reconciliation template adopted by the team as the standard working paper format — reduced future reconciliation time significantly.

Saved eligible ITC from lapsing and generated vendor follow-up lists for each mismatch category.

ITC

Leakage Prevented

↓70%

Recon Time Saved

✓

Template Adopted

Excel VLOOKUP GST Portal Tally ERP

📋

GSTR-9 Annual Return BDO Articleship

🏢 BDO Service India Pvt Ltd

GSTR-9 Annual Return — 12-Month Data Reconciliation & Filing

Conducted month-by-month comparison of reported turnover vs books of accounts across multiple GSTINs — reconciled differences arising from amendment entries, credit notes, and debit notes.

Prepared detailed reconciliation workings with full audit trail for each adjustment — explained differences to clients in plain terms before filing.

Supported GSTR-9C (audited reconciliation statement) preparation — cross-checked audited financials against GSTR-3B figures for each head of supply.

Achieved clean filing with zero post-submission revisions required — clients briefed thoroughly on disclosed differences so no surprises during scrutiny assessment.

Excel GST Portal Tally GSTR-9C

⚙️

Independent Live Tools Oct 2024–Present

🌐 Independent / Living to Zeil Platform

Finance Tools & Workflow Automation — Built & Deployed

Built a browser-based HRA Calculator — allows employees to compute House Rent Allowance exemption under Section 10(13A), handling all three conditions (50%/40% salary, actual HRA, excess rent) automatically.

Built a GST Calculator supporting all GST rates (5%, 12%, 18%, 28%), both inclusive and exclusive calculations, with instant CGST/SGST/IGST breakdowns — used by professionals for quick estimates.

Built a Receipt Generator — creates printable professional receipts in browser, no server required, no installs, used directly from the website.

Developed Excel macro templates for GST reconciliation — automated VLOOKUP matching logic, conditional formatting for mismatches, and summary report generation.

Founded Living to Zeil — a content and tools platform combining finance writing, practical calculators, and fintech UI — designed for students and professionals.

Live Tools

Harvard

HCAP Selected

∞

Reusable Templates

HTML / CSS JavaScript Excel / VBA Python

Open to Opportunities

Finance knowledge + the ability to build tools —

RBI research. BDO GST compliance. Live tools deployed. These aren't test projects — they're real outputs from real engagements. If you're looking for someone who understands both the rules and how to automate them, let's talk.

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