Agarwal KR And Associates
Chartered Accountants · Est. 1992
Your Trusted Partners in Financial Excellence
Three decades of integrity, expertise and unwavering commitment to your financial success — now powered by the intelligence of Artificial Intelligence.
Years in Practice
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IBC Settlement Rate
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Clients Served
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AI
Intelligent Finance Tools
About Us
A Legacy of Trust,
A Future of Intelligence
Agarwal KR And Associates, formerly known as Rajendra Kumar Agarwal & Co., was established in 1992 with a singular purpose: to deliver professional financial and advisory services that businesses and individuals can rely upon through every stage of their journey.
Over three decades, we have grown from a focused taxation and audit practice into a full-spectrum chartered accountancy firm, serving clients across diverse industries and sectors. Our expertise spans statutory audit, direct and indirect taxation, insolvency resolution, corporate advisory, business valuation and management consultancy.
Delivering Clarity. Building Confidence. Creating Value.
In recent years, we have taken a further step forward — investing in the development of Artificial Intelligence-powered financial tools and bespoke Management Information Systems that bring the analytical power of modern technology directly to our clients’ businesses.
Our Vision
To be recognised as a leading chartered accountancy firm in India — known for technical excellence, ethical practice, and the ability to harness innovation in service of our clients' growth and long-term financial wellbeing.
Our Mission
To understand the unique contours of each client's business and provide timely, accurate and high-quality professional services — underpinned by integrity — that empower informed decisions and sustainable growth.
Core Values
Integrity
Transparency and ethical conduct in every engagement, without compromis
Excellence
The highest standards of professional quality in everything we undertake.
Client-Centricity
Every solution shaped around our client's specific needs and goals.
Innovation
Embracing Artificial Intelligence, technology and evolving best practices.
Continuity
Long-term relationships. We grow with our clients across every stage.
Collaboration
One team — internally and with our clients — delivering cohesive outcomes.
Our Partners
Leadership Rooted in Expertise
The experience, credentials and vision behind three decades of professional excellence.
CA Rajendra Kumar Agarwal is a Fellow Member of the Institute of Chartered Accountants of India with over 36 years of active, uninterrupted practice. A seasoned professional in every sense of the word, he founded the firm in 1992 and has since built a distinguished reputation across the domains of statutory audit, taxation, corporate advisory, insolvency resolution and business valuation.
He is perhaps best known for his exceptional track record in Insolvency and Bankruptcy proceedings, where his meticulous approach, deep understanding of commercial realities and negotiation acumen have contributed to a settlement rate exceeding 90% across cases handled by the firm. This rare accomplishment speaks not just to technical skill, but to the trust and confidence that creditors, debtors and adjudicating authorities place in his professional judgment.
His expertise in statutory and concurrent bank audits is equally noteworthy. Having conducted audits for multiple banking institutions over the years, he brings a depth of understanding of banking regulation, internal controls and risk assessment that few practitioners can match. His income tax advisory and litigation practice covers the full spectrum — from planning and compliance to assessments, appeals and representation before appellate authorities.
As an IBBI Registered Valuer for Securities and Financial Assets, he delivers credible, defensible valuations for mergers, acquisitions, regulatory compliance and corporate restructuring. His qualification as an Independent Director registered with the Indian Institute of Corporate Affairs (IICA) further extends his ability to contribute to corporate governance at the board level.
CA Rajendra Kumar Agarwal is also a Qualified Social Auditor — reflecting his commitment to social accountability, impact assessment and responsible professional practice beyond the boundaries of traditional finance.
He is a Founding Member of VIPCA (VIP Road Chartered Accountants Association), a professional body that brings together chartered accountants for knowledge-sharing, professional development and community building. His active role in founding and nurturing this association speaks to his lifelong dedication to elevating the profession and supporting fellow practitioners.
Beyond his client-facing work, CA Rajendra Kumar Agarwal is deeply committed to elevating the profession. He is regularly sought out by fellow practitioners for guidance and mentorship, lending his expertise and insights to those building their own practices and careers. His leadership at Agarwal KR And Associates is defined by a culture of rigour, responsibility and continuous learning.
📚 Key Qualifications
- DISA (ICAI) — Diploma in Information System Audit, June 2002
- Qualified Insolvency Resolution Professional — January 2017
- Certificate Course on Concurrent Audit of Banks (ICAI) — November 2015
- IBBI Registered Valuer — Securities or Financial Assets (SFA)
- Qualified Independent Director — Registered with IICA
- Qualified Social Auditor
- Founding Member — VIPCA (VIP Road Chartered Accountants Association)
⚡ Areas of Expertise
Statutory & Bank Audit
Concurrent Bank Audit
Income Tax Advisory & Litigation
IBC — Resolution Professional
Business Valuation (SFA)
Corporate Advisory & Compliance
Management Consultancy
Social Audit
CA Kushal Agarwal is a Chartered Accountant whose career — spanning over a decade — has been defined by a rare convergence of strategic thinking, technical rigour and forward-looking innovation. His professional focus spans financial strategy, GST advisory, direct taxation and corporate compliance.
What distinguishes him is a dimension rapidly becoming indispensable to modern professional practice: a deep, applied mastery of Artificial Intelligence in Accounting and Finance. He has invested significantly in building and deploying intelligent tools that transform how businesses manage finances, monitor performance and exercise internal control.
Having led cross-functional teams through complex statutory and tax engagements, CA Kushal Agarwal brings a structured, process-oriented approach to problem-solving. He has guided organisations through major regulatory transitions, optimised financial workflows and delivered advisory counsel that extends well beyond compliance into the realm of strategic clarity.
In an era where financial data is abundant but actionable insight is scarce, CA Kushal Agarwal is pioneering the use of Artificial Intelligence within chartered accountancy practice — not as a concept, but as a working reality for his clients.
🚀 Artificial Intelligence & Innovation
He has developed a suite of offline-capable, intelligent financial tools — purpose-built for specific industries — that give business owners a real-time, structured and intuitive view of their financial position. These are bespoke, industry-calibrated solutions designed with the precision of a Chartered Accountant and the analytical power of modern Artificial Intelligence.
⚡ Areas of Expertise
GST Advisory & Litigation
Direct Tax — Advisory & Appeals
Intelligent Financial Dashboards
Internal Financial Controls
Financial Strategy
Corporate Advisory
Team Leadership & Mentorship
Business Structuring
Our Services
Comprehensive Professional Services
A multi-disciplinary team combining deep domain expertise with a practical, solutions-first approach.
Audit & Assurance
Built on independence, rigour and thorough understanding of industry-specific risk. We go beyond verification to offer insights that strengthen governance.
Statutory Audit
Tax Audit
Bank Concurrent Audit
Internal Audit
Stock Audit
Forensic Audit
IFC Audit
Direct Taxation
Proactive tax advisory — helping clients understand obligations, identify opportunities and manage tax risk in a constantly evolving landscape.
IT Return Filing & Planning
TDS Compliance
Tax Assessments & Appeals
Transfer Pricing
Search & Seizure
Tax Structuring
Indirect Taxation (GST)
From compliance management to complex litigation, covering the full spectrum of GST requirements to keep clients compliant and audit-ready.
GST Registration & Returns
GST Advisory
ITC Reconciliation
GST Refunds
GST Audits & Appeals
Legacy Litigation
Insolvency & Bankruptcy
With a settlement record exceeding 90%, our IBC practice brings structured thinking and experienced negotiation to every insolvency engagement.
IRP Services
CIRP
Creditor & Debtor Representation
Settlement Advisory
NCLT Proceedings
Business Valuation
IBBI-registered professionals delivering credible, defensible valuations supporting critical business decisions.
M&A Valuation
IT & FEMA Valuation
Startup Valuation
Securities & Financial Assets
IND-AS Compliance
SEBI Regulations
Corporate & Secretarial
Supporting businesses at every stage — from inception and structuring to ongoing compliance and strategic restructuring.
Company Incorporation
LLP Formation
RBI, FEMA & NBFC
SEBI Compliance
Merger & Demerger
Independent Director
Management & Advisory
Bridging the gap between financial compliance and strategic execution — strengthening systems and improving performance.
Financial Planning
Budgeting & Forecasting
Business Process Reviews
Risk Advisory
Due Diligence
Project Finance
AI in CA — Artificial Intelligence in Chartered Accountancy
AI in CA: Intelligent Tools for Smarter Financial Decisions
Most businesses generate significant financial data yet very few translate it into timely, structured and actionable intelligence. We address this gap directly — combining three decades of professional expertise with the capabilities of modern Artificial Intelligence to build intelligent management information systems that deliver real-time financial clarity.
01
Custom Financial Intelligence Systems
Bespoke management information systems built around your business model, chart of accounts and reporting needs.
02
Automated Reconciliation & Smart Controls
Intelligent reconciliation of sales, purchases, bank transactions and GST data with built-in anomaly detection.
03
Decision-Ready Dashboards
Role-specific dashboards translating complex financial data into clear visual intelligence for promoters, CFOs and department heads.
04
Industry-Specific Deployment
Pre-built, field-tested tools for Travel, Agency, Service and Manufacturing sectors — calibrated to each industry.
05
GST-Aware Compliance Reporting
Every tool is fully GST-integrated — from invoice-level tagging to return reconciliation and liability projection.
06
Ongoing Advisory & Evolution
Ongoing interpretation, support and evolution of your financial intelligence framework as your business grows.
Industries We Serve
Travel Agents & Tour Operators
Booking-level P&L, forex reconciliation, GST on travel packages, commission tracking, vendor payable ageing and seasonal profitability.
Agency & Distribution Businesses
Principal-wise receivables, brokerage reconciliation, debtor ageing analysis, target-vs-achievement tracking and leakage identification.
Service Industry Businesses
Billing and collections dashboards, WIP tracking, client-wise profitability, GST liability projection and resource utilisation reporting.
Manufacturing Businesses
Raw material and WIP valuation, cost of production reports, product-wise margin analysis, inventory control and dispatch-to-invoice reconciliation.
Our Tools vs Generic Software
Generic Software
Our Intelligent Financial Tools
Designed for all industries
Designed for your industry and business model
Requires expensive customisation
Produces decision-specific financial intelligence
Produces standard reports
Offline-capable — owned by you, no recurring licence fees
Internet-dependent subscription
Built by Chartered Accountants who understand finance
Built by software developers
GST and statutory compliance built into core architecture
Why Choose Us
The Agarwal KR And Associates Advantage
Legacy of Trust
Over 30 years of consistent practice, with a client base grown through referrals and long-standing relationships.
Proven IBC Track Record
A settlement rate exceeding 90% across insolvency proceedings — reflecting discipline, resolve and commercial understanding.
Multi-disciplinary Expertise
From tax to valuation to insolvency and Artificial Intelligence tools — comprehensive coverage under one roof.
Intelligent Technology Edge
Proprietary Artificial Intelligence-powered financial tools giving clients a tangible competitive advantage.
Regulatory Depth
IBBI Registered Valuer, Insolvency Professional and Independent Director credentials at the partner level.
Personalised Commitment
Every engagement shaped around the specific context, objectives and growth ambitions of the client.
Reviews & Testimonials
What Our Clients & Peers Say
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Contact Us
Let's Start a Conversation
We welcome enquiries from prospective clients, fellow professionals and institutions.
Get in Touch
Office Address
Diamond Arcade, Suite No, 301A, Third Floor, 68 Jessore Road, Kolkata - 700055
Telephone
(033) 3590 7011, +91 99035 12934
kushal@akrassociates.org
Office Hours
Monday to Friday: 10:30 AM – 6:30 PM
Saturday: 10:30 AM – 6:00 PM
AI in CA — Download Tools
Intelligent Financial Tools — Sample Access
Explore our proprietary Artificial Intelligence-powered tools built for Chartered Accountancy practice. Enter the access key provided by our team to download.
Sample
Travel Agent — Booking Intelligence
Booking-level P&L, forex reconciliation, commission tracking and seasonal profitability dashboard for travel agents and tour operators.
new
GST Reconciliation & Compliance
Automated reconciliation of GSTR-1, GSTR-2A/2B and GSTR-3B with anomaly detection, mismatch alerts and return-ready reporting.
Sample
Manufacturing — Cost Intelligence
Raw material and WIP valuation, cost of production reports, product-wise margin analysis and inventory control dashboard.
More tools are added regularly
Contact our team to request access keys or to discuss custom tools for your industry.
Join Our Team
Careers & Internships
We welcome aspiring professionals who share our values of integrity, excellence and innovation.
Who We Are Looking For
Agarwal KR And Associates is always looking for talented individuals who are passionate about the profession and eager to grow. Whether you are a CA student seeking articleship, a qualified professional looking for your next challenge, or an intern exploring the world of finance and taxation, we would be glad to hear from you.
We offer a culture of mentorship, continuous learning and hands-on experience across audit, taxation, insolvency, valuation and our growing Artificial Intelligence in Chartered Accountancy practice.