Rizu provides outsourced accounting and bookkeeping services for Indian businesses. You get a dedicated chartered accountant, real-time financial dashboard, GST/TDS compliance, bank reconciliation, Tally sync, and payroll — all handled for you.

How much does Rizu cost?

Rizu starts at ₹8,499/month for the Starter plan. The Growth plan is ₹14,999/month with payroll and TDS included. Enterprise pricing is custom.

Is Rizu a software or a service?

Rizu is a full accounting service — not just software. You get real accountants handling your books, powered by a modern tech platform for real-time visibility.

Do I need to use Tally?

No. Rizu works independently. If you already use Tally, we can sync with it automatically. If not, we handle everything through our own platform.

How does GST filing work with Rizu?

Your dedicated accountant prepares GSTR-1, GSTR-3B, and annual returns. You review and approve via the dashboard. We file on time, every time.

How much does an in-house accountant cost per year in India?

Between ₹4.5 lakh and ₹8 lakh a year for a mid-level accountant once you add EPF, ESI, gratuity, bonus, accounting software, workspace, and the management time to supervise them — well above the visible monthly salary.

Is outsourcing accounting cheaper than hiring in-house?

For most small and mid-size businesses, yes. An outsourced service like Rizu starts at ₹8,499/month (about ₹1.02 lakh a year) for a dedicated accountant plus software and compliance — a fraction of a full-time hire, with no single-person risk.

When does hiring in-house make sense?

When transaction volume is very high and continuous, or when finance is a core competitive function needing a full-time controller or CFO on the payroll. Below that, outsourcing usually wins on cost and continuity.

Blog · 6 min read

The True Cost of Hiring an In-House Accountant in India (2026)

A full-time accountant in India costs far more than the salary — ₹4.5–8 lakh a year once you add EPF, gratuity, software, and management time. Here is the real math.

Short answer: A full-time accountant in India costs a business roughly ₹4.5–8 lakh per year — not the ₹25,000–45,000 monthly salary most owners budget for. The gap is EPF/ESI, gratuity and bonus, accounting software, a workstation, and the hours you spend supervising the role. An outsourced service covers the same work from about ₹1 lakh a year.

Most business owners size an accountant by their take-home salary. That number is the smallest part of the real cost. Here is what actually lands on your P&L.

The real cost stack

Gross salary — A mid-level accountant in a metro is ₹3–5.4 lakh/year (₹25k–45k/month).
Statutory add-ons — EPF (12% employer), ESI where applicable, gratuity, and an annual bonus add roughly 15–20% on top.
Tools — accounting software licence, a GST utility, payroll software: ₹25,000–60,000/year.
Overhead — Desk, laptop, electricity, and HR/admin overhead: ₹40,000–80,000/year.
Your time — Reviewing, correcting, and chasing filings. Even 3 hours a week of an owner's time is a real, uncosted expense.

Add it up and a single in-house accountant rarely costs less than ₹4.5 lakh a year, and often nearer ₹7–8 lakh once you include everything.

The hidden risk: it's one person

The bigger problem is continuity. When your one accountant is on leave, quits, or falls sick near a GST deadline, filings slip and penalties follow. Knowledge walks out the door with them. A single point of failure sits on your most sensitive function.

What the outsourced option actually covers

An outsourced accounting service replaces the whole stack — the person, the software, and the supervision — for a fixed monthly fee. With Rizu that is a dedicated accountant handling your books, GST and TDS filing, bank reconciliation, and payroll, plus a real-time dashboard, from ₹8,499/month. Because a team stands behind your account, a leave day never becomes a missed deadline.

What gets handed off is the day-to-day bookkeeping and monthly compliance — handled by a dedicated team for a fixed monthly fee, so a leave day never becomes a missed deadline.

When in-house still wins

If you post hundreds of transactions a day, or finance is a core competitive edge that needs a full-time controller, an in-house team earns its keep. For most SMEs and growing businesses below that line, outsourcing delivers the same output for a fraction of the cost — and removes the single-person risk entirely.

Frequently asked questions

How much does an in-house accountant cost per year in India?: Between ₹4.5 lakh and ₹8 lakh a year for a mid-level accountant once you add EPF, ESI, gratuity, bonus, accounting software, workspace, and the management time to supervise them — well above the visible monthly salary.
Is outsourcing accounting cheaper than hiring in-house?: For most small and mid-size businesses, yes. An outsourced service like Rizu starts at ₹8,499/month (about ₹1.02 lakh a year) for a dedicated accountant plus software and compliance — a fraction of a full-time hire, with no single-person risk.
When does hiring in-house make sense?: When transaction volume is very high and continuous, or when finance is a core competitive function needing a full-time controller or CFO on the payroll. Below that, outsourcing usually wins on cost and continuity.

Hand off your books to Rizu

A dedicated accountant, GST filed on time, and a real-time dashboard — from ₹8,499/month.

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