About Us

About KS Cashflow

Practical cashflow & tax guidance for Indian businesses

We teach business owners how to manage cash flow smartly—pay taxes correctly, keep cash safe and liquid, and grow business value through low-risk investments. Our platform combines technology, expert guidance and funding support to make small businesses secure and scalable.

Our Cashflow Strategy Planning Platform

Our Cashflow Strategy Planning Platform, where we share the invaluable knowledge gained from industry exposure and practice, addressing the personal finance issues faced by many Indians business owners & Entrepreneurs, due to lack of awareness.

We manage & address biggest pain points of Business Owners- Taxation, Steady Cashflow & Liquidity.Once you book the One on One call with oir experts you’ll discover:

  • Proven strategies for managing business expenses effectively
  • Tips for optimizing cash flow and ensuring liquidity
  • Insights into creating a steady income stream for your business
  • Secret to avail unlimited Corporate Tax deferment benefits till infinity
  • Build a long lasting Multi Million Legacy with zero risk

Step 1 — Convert expenses into cash flow

Reclaim & Reinvest Reclaim a portion of business spending and put it back to work for growth.

Step 2 — Reinvest into equity

Rupee-Cost Averaging Use rupee-cost averaging and capital protection to grow a curated portfolio.

Step 3 — Maintain unmatched liquidity

Unlimited Deposits & Withdrawals Unlimited deposits & withdrawals with zero loads to ensure business agility.
about us

Our Mission

To teach and guide small business owners on how to keep their money safe, follow tax rules, and invest wisely. We want to make financial help easy to get and use, so businesses can grow and succeed without worries.

about us

Our Vision

To help business owners in India become strong and free by giving them smart money advice. We want every business owner to feel confident managing their money, paying taxes the right way, and building a safe future for their family.

Before VS After
Karunyam Services – Challenges & Solutions

Challenges Before Karunyam Services

  • Lack of Financial Knowledge: Many business owners don’t manage money well or follow tax rules, causing losses or penalties.
  • Difficulty in Tax Compliance: MSMEs struggle with complex tax laws, risking fines and slowed growth.
  • Poor Cashflow Management: Difficulty keeping enough cash for bills or growth.
  • Limited Access to Safe Investments: Missing chances to grow wealth securely.

Solutions With Karunyam Services

  • Teach Smart Money Skills: Learn money management & tax rules to avoid losses.
  • Simplify Tax Compliance: Step-by-step guidance to reduce confusion & fines.
  • Manage Cashflow Safely: Keep cash ready & safe for bills and investments.
  • Guide Safe Investments: Advise on secure bonds & stocks for wealth growth.

Our Services

01
Cashflow planning to keep business money safe and accessible.
02
Investment advice on safe bonds and securities for steady income.
04
Digital platform with tools and apps for easy money management.
05
Tax guidance to help MSMEs stay compliant and save money.
03
Assistance with funding and incubation to help businesses grow.

Unique Solutions for Business Owners

Expert Financial Guidance
Our team teaches small businesses how to manage money and taxes correctly, helping them avoid mistakes and grow confidently.
Zero-Risk Cashflow Management
We help business owners keep their money safe and always available, so they never run out of cash when needed.
Easy Digital Tools
Our app and website make money tracking simple and help owners make smart financial decisions anytime, anywhere.
Safe Investment Plans
We guide MSMEs to invest smartly in bonds and securities that earn steady income without risky losses.
Funding and Growth Support
We assist startups and MSMEs in getting funds and expert advice, helping them expand their business smoothly.

Our Moat & Defensibility

Specialized MSME Focus:
Exclusive dedication to MSMEs with tailored financial solutions creates strong client loyalty and deep market understanding, difficult for generic firms to match.
Integrated Financial Ecosystem:
Unique combination of tax advisory, liquidity management, investment guidance, and funding support in one platform builds high switching costs for clients.
Trusted Expert Partnerships:
Collaborations with reputed CA firms and financial experts strengthen credibility and create a network effect that competitors find hard to replicate.
Proprietary Digital Tools:
Custom-built app and dashboards designed specifically for MSMEs’ needs provide seamless user experience and data insights, creating a technological barrier to entry.

Revenue Model

Subscription Fees

Customers pay a monthly or yearly fee to use our digital tools, get tax advice, and access financial planning services easily and anytime.

Consulting Charges

We earn money by helping MSMEs with tax filing, investment advice, and cashflow management through personal consulting sessions and workshops.

Funding Assistance Commission

When we help businesses get
incubation or series funding, we
earn a small commission from the
successful funding amount.

Training & Seminar Fees

We organize paid training programs
and seminars to teach MSMEs
important money management and
financial skills.

Director Introduction

Ms. Mamta Sinha Sharma

Director

With over 16 years of extensive industry experience, Ms. Mamta Sinha Sharma is a distinguished professional at the intersection of Banking, Financial Services, and Wealth Management. Beginning her career in May 2008, she has built a strong foundation in strategic financial management, in-depth analysis, comprehensive planning, and decisive execution. Her core expertise lies in Strategic Planning, Business Strategy, and Analytical Acumen, enabling her to effectively navigate complex financial landscapes. A Chartered Wealth Manager (CWM) and MBA, she blends academic excellence with practical, results-driven application. Ms. Sharma’s leadership strengths encompass strategic foresight, team leadership, and operational excellence. Recognized for her sharp analytical skills and dedication to empowering businesses, she plays a pivotal role in advancing Karunyam Services’ vision. Her profound understanding of industry dynamics, coupled with her passion for financial empowerment, makes her an invaluable asset to the organization’s leadership team.