# Kinnow

> Kinnow is the only software an organization needs: the Enterprise Reasoning Platform, an AI-native ERP with no licence fee for any application, Documents (Vault), Conversations (Zest), and 284 agents that do the work while people approve. Live in India, with the Middle East and Singapore from December 2026 and the US, the UK and Canada from early 2027.

Key facts:
- Applications: 49 in 8 families: Sell; Buy, make & ship; Finance & tax; People; Service & operations; Projects & property; Insight & growth; Work together
- Your data is never used to train outside AI models. Kinnow's own Instinct models learn from your company's data only if your admin turns that on. Veil, our privacy layer, holds back bank, tax and ID numbers and swaps names for placeholders before an AI call. It covers Ask Kinnow and most agents today; the rest are being added.
- The whole stack can run in-country (DPDP-aligned in India). Each company decides whether AI calls may leave its country. This works today on Ask Kinnow and document search, and is being added to agents.
- Enterprise Reasoning Platform: Kinnow keeps ERP records and reasons over them - answers, 284 agents, and its own fast Instinct models.
- Works in any phone's browser today. The mobile app launches in November 2026. English and Hindi at launch; more languages open on demand.
- 99.95% monthly uptime target with a public status page.
- No-disruption onboarding: data across first, two or three problems solved in about two weeks, the rest at your pace.
- Integrations: https://kinnow.ai/integrations.html
- Pricing promises: no licence fee and no per-user fee, ever; every application included; agent-pack credits renew every month. The price is one fixed price in writing, by business size.
- AI you can audit: nothing is filed, paid or posted without a person; every suggestion shows basis and confidence and can be undone; the AI sees only what the asker may see; if data is missing it says so.
- See the product without signing up: https://kinnow.ai/tour.html#walk
- Standards: every industry pack ships its best-practice end-to-end processes (e.g. 20 for distribution, 21 for hospitality, 17 for real estate and for CA practices) with step owners, enforced steps vs notes, watched hand-offs, Print and Create SOP. https://kinnow.ai/standards.html
- Comparisons with other ERPs: https://kinnow.ai/compare/
- Ask your business anything: plain-English questions answered in seconds with charts and sources; self-serve dashboards, widgets and 150+ reports.
- Speed: live in about two weeks; changes are agreed with you and delivered in short cycles; bots reply in real time.
- Five systems on one Core: Record (structured records and the unstructured Vault, joined), Agents, Intelligence, Engagement (Reach out, Serve in, Zest conversations) and Learning (calibration from approvals, certified metrics as precedent, change requests). Trust runs across all five: Veil, our privacy layer, holds back bank, tax and ID numbers and swaps names for placeholders before an AI call. It covers Ask Kinnow and most agents today; the rest are being added. Every call records what was sent and withheld.
- Pricing: no licence fee and no per-user fee, ever; one fixed price set with a Kinnow partner; priced against well-known ERPs it costs less at every size from 10 to 1,000 people; Zest, Vault and Kinnow Sign are in the Core; nothing is priced per user. Larger businesses get a price shaped by business size and the agent work they use.
- Agents: 284 agents; the featured ones are described on the site - e.g. Close Checklist, Bank Reconciler, Collections, Filing Prep, Mismatch Detector (GSTR-2B), Payroll Engine, Reorder Planner, Cash-flow Forecaster, CAM Recovery. Nothing is filed, paid or posted without a person.
- Not offered: outbound cold-calling, consumer CDP/loyalty, per-user licences; partner layers include CCTV analytics, building systems, wayfinding and video management.

## Platform
- [Platform overview](https://kinnow.ai/platform.html)
- [Your records and documents](https://kinnow.ai/systems/record.html) - remembers: Sales, purchases, stock, accounts, payroll and every other record - plus the contracts, policies, scans and emails around them. Kinnow keeps both together, so one question can use both.
- [AI agents that do the work](https://kinnow.ai/systems/agents.html) - does the work: Agents close the books, match bank lines, chase payments, prepare tax returns and plan reorders. Each shows its reasoning. Nothing is filed, paid or posted without a person. Agents hand their work back for approval, with their reasons.
- [Answers in seconds](https://kinnow.ai/systems/intelligence.html) - answers: Type a question in plain English - about sales, cash, stock, contracts or people - and get the answer in seconds, with a chart and links to the records and documents behind it. Add any answer to a dashboard in one click.
- [Conversations with customers and teams](https://kinnow.ai/systems/engagement.html) - talks: Messages, emails, meetings and site visits are kept on the invoice, order or customer they concern - and each ends with a recorded decision. You see what's waiting, what arrived, and what has gone quiet.
- [Gets better every week](https://kinnow.ai/systems/learning.html) - learns: Every approval and correction teaches the agents. Your reports and questions become shortcuts. And when you need the software to change, you ask in plain words - changes are agreed with you and delivered in short cycles.
- [Safe and in your control](https://kinnow.ai/systems/trust.html) - protects: AI only sees what the person asking is allowed to see. Veil, our privacy layer, holds back bank, tax and ID numbers and swaps names for placeholders before an AI call. It covers Ask Kinnow and most agents today; the rest are being added. Every call is recorded. Your controls are enforced, and auditors get signed proof.
- [Audit and controls](https://kinnow.ai/audit-and-controls.html) - every action recorded, limits you set on agents, and a close pack for your auditor
- [AI and analytics](https://kinnow.ai/ask.html) - Ask Kinnow, 284 agents, Instinct, Veil and live key figures
- [Partners](https://kinnow.ai/partners.html) - five kinds of partner, three tiers, and how to apply
- [About Kinnow](https://kinnow.ai/about.html)
- [Compare](https://kinnow.ai/compare/index.html) - how Kinnow and ten other options are sold
- [The only software](https://kinnow.ai/replaces.html)
- [Pricing](https://kinnow.ai/pricing.html)
- [FAQ](https://kinnow.ai/faq.html)

## Capabilities (top 40 of 129)
- [Request a change; get a fixed price](https://kinnow.ai/capabilities/change-requests.html): Describe the change you want in plain words; Kinnow scopes it, prices it and builds it for you.
- [Ask your business anything](https://kinnow.ai/capabilities/ask-kinnow.html): One search box on every screen finds records instantly and answers questions from data you're allowed to see.
- [One agreed definition for every business number](https://kinnow.ai/capabilities/certified-business-metrics-anyone-can.html): Revenue, margin and every key number defined once and signed off, then anyone builds their own reports.
- [Every number you track, watched for surprises](https://kinnow.ai/capabilities/automatic-anomaly-watch-on-every-metric-you.html): Add a new measure and Kinnow watches it for unusual moves within a week, no setup needed.
- [Claim every rupee of GST input credit](https://kinnow.ai/capabilities/automatic-input-tax-credit-matching-against.html): Purchase bills are matched against the GST portal automatically; your team only handles the exceptions.
- [One workspace for accountants serving many clients](https://kinnow.ai/capabilities/multi-client-workspace-for-chartered.html): Accountants run every client's books, deadlines and engagements from one practice home.
- [Overdue invoices chased for you, politely](https://kinnow.ai/capabilities/collections-agent.html): Overdue customers get reminders that grow firmer as days pass, each one drafted for a person to approve before it goes out.
- [Forms for applications, surveys and sign-offs](https://kinnow.ai/capabilities/smart-forms-with-four-kinds-of-asking.html): Collect applications, data, anonymous feedback or sign-offs, each with its own AI helper and privacy rules.
- [Month-end close that runs itself](https://kinnow.ai/capabilities/month-end-close-autopilot.html): Kinnow drives month-end close, checks every step, fixes what it can and hands you an audit-ready file.
- [See who fails the new Labour Codes](https://kinnow.ai/capabilities/labour-code-compliance-check-per-employee.html): See which salary structures break India's new Labour Codes and what fixing each one will cost.
- [Catch fuel theft and failing generators](https://kinnow.ai/capabilities/catch-fuel-theft-and-failing-generators.html): Daily generator logs reconcile fuel to the tank reading and tell a failing machine apart from siphoning.
- [Set your controls, give auditors signed proof](https://kinnow.ai/capabilities/dial-your-controls-then-hand-auditors-a.html): Choose how strict each financial control is, then export a signed statement showing who set it.
- [Contract promises tracked before they're broken](https://kinnow.ai/capabilities/turn-contract-clauses-into-tracked-promises.html): Kinnow reads your contracts, suggests key clauses, and tracks every promise, from service levels to reports, before breach.
- [See what's coming, arrived, and gone quiet](https://kinnow.ai/capabilities/a-register-of-everything-in-motion.html): See what's ahead, what arrived and what's still unanswered, ranked by how long it's been quiet.
- [Every discussion ends with a recorded decision](https://kinnow.ai/capabilities/conversations-that-end-in-a-recorded.html): Every discussion closes with what was decided, or an honest 'no decision' and the reason.
- [Everything known about a customer, one page](https://kinnow.ai/capabilities/everything-said-and-agreed-about-a-customer.html): Open any customer and see what was agreed, who knows them, and every conversation about them.
- [Check a spreadsheet against your signed paperwork](https://kinnow.ai/capabilities/check-a-spreadsheet-row-by-row-against-your.html): Upload a spreadsheet; Kinnow checks every row against your documents and lists what disagrees.
- [Keep sensitive details away from AI](https://kinnow.ai/capabilities/veil.html): Before business data reaches an AI service, Kinnow removes identifiers, hides names and withholds risky text. It covers Ask Kinnow and most agents today; the rest are being added.
- [Change approvals safely, see the impact first](https://kinnow.ai/capabilities/workflow-designer.html): Change approval rules in plain words, see which pending items are affected, trial it quietly, then go live.
- [One secure home for company documents](https://kinnow.ai/capabilities/governed-vault.html): Every company gets a controlled document store: no duplicates, every access logged, shares you can revoke.
- [Customer lists a marketing tool can't build](https://kinnow.ai/capabilities/segments-a-marketing-tool-can-t-build.html): Ask for 'customers who haven't reordered in 90 days and pay on time' and get the list.
- [AI work you can check and approve](https://kinnow.ai/capabilities/explainable-ai-agents-with-human-sign-off.html): Every agent task shows its reasoning and confidence, and you approve, reject or correct it.
- [Field visit notes that catch promises](https://kinnow.ai/capabilities/visit.html): Field staff log visits offline; Kinnow spots promises in the notes and turns them into tracked agreements.
- [Where is this stuck, and with whom?](https://kinnow.ai/capabilities/where-is-this-record-stuck-and-who-holds-it.html): Every key document shows its journey: steps done, who did each, who holds it now, and time waiting.
- [Your industry's setup, ready at sign-up](https://kinnow.ai/capabilities/industry-setup-at-sign-up.html): Pick your industry at sign-up and get its workflows, controls, reports, forms and vocabulary ready to use.
- [Your processes, mapped honestly](https://kinnow.ai/capabilities/standards.html): See each end-to-end process as a diagram showing which steps the system enforces and which are just notes.
- [From supplier quote to purchase order](https://kinnow.ai/capabilities/quote-and-po-drafting.html): Drop in a supplier's quote as a PDF or photo; Kinnow drafts the purchase order and flags doubts.
- [One approval inbox; nobody approves their own](https://kinnow.ai/capabilities/one-approval-inbox-with-maker-checker-built.html): Every sign-off waiting on you in one inbox, with named approvers and no approving your own requests.
- [Contract commitments that chase themselves](https://kinnow.ai/capabilities/commitments.html): Contract obligations at risk or breached land in the right person's inbox automatically, not a forgotten register.
- [Ask questions about the report you're viewing](https://kinnow.ai/capabilities/a-copilot-grounded-in-the-screen-you-re-on.html): Looking at the trial balance? Ask about it, and answers come from the figures in front of you.
- [Monday-morning business briefing on WhatsApp](https://kinnow.ai/capabilities/monday-morning-business-briefing-on-whatsapp.html): Every Monday at 7am the managing director gets the week's numbers, alerts, trends and surprises on WhatsApp.
- [Financial statements in your old system's format](https://kinnow.ai/capabilities/financial-statements-in-your-old-erp-s.html): Switched systems? See your P&L and balance sheet in the same layout your team already checks against.
- [Financial statements that check themselves](https://kinnow.ai/capabilities/financial-statements-that-audit-themselves.html): If a balance sheet doesn't add up, Kinnow says so at the top of the screen.
- [Match receivables to a customer's statement, fast](https://kinnow.ai/capabilities/reconcile-ageing-to-a-customer-s-statement.html): Tie your receivables to a customer's statement date: what they saw, what changed since, what's owed now.
- [Suppliers chased to file their GST](https://kinnow.ai/capabilities/agent-that-chases-suppliers-for-missing-gst.html): Suppliers who haven't filed their GST get a drafted reminder; Kinnow closes it once they file.
- [A rep's voice note becomes sales notes](https://kinnow.ai/capabilities/turn-a-rep-s-voice-note-into-crm-data.html): A rep records a voice note after a visit; Kinnow pulls out objections, promises, competitors and next steps.
- [Field sales plans and reminders, drafted for reps](https://kinnow.ai/capabilities/self-running-agents-for-field-sales-teams.html): Overnight risk checks, quote reminders, daily routes and territory changes, all prepared for your sales reps.
- [A suggested fix for every customer dispute](https://kinnow.ai/capabilities/ai-that-proposes-the-fix-for-a-customer.html): When a customer disputes an invoice, Kinnow proposes a refund, credit note or escalation for one-click approval.
- [Invoices customers can pay straight away](https://kinnow.ai/capabilities/every-invoice-is-a-branded-payable-filed.html): Branded invoices with a UPI QR code and pay link, sent by email or WhatsApp and filed automatically.
- [All capabilities](https://kinnow.ai/capabilities/)

## Modules
- [Sell - Sales & CRM](https://kinnow.ai/modules/sell.html): From enquiry to cash, with CRM on the same rail.
- [Buy - Procurement](https://kinnow.ai/modules/buy.html): Requisition to approved bill, three-way matched.
- [Account - Finance & Accounting](https://kinnow.ai/modules/account.html): Ledgers, reconciliation and close, with agents doing the legwork.
- [Stock & Ship - Inventory, Warehouse & Transport](https://kinnow.ai/modules/stock-and-ship.html): What's on hand, where, and how it moves.
- [Comply - Tax, Compliance & Documents](https://kinnow.ai/modules/comply.html): Returns prepared, mismatches surfaced, a person files.
- [People - HR & Payroll](https://kinnow.ai/modules/people.html): Payroll, people records and performance, deep for India.
- [Know - Analytics & Intelligence](https://kinnow.ai/modules/know.html): Ask in plain language, get certified numbers.
- [Pact - Contracts, Leases & Property](https://kinnow.ai/modules/pact.html): Every recurring contract, from lease to AMC.
- [Maintain - Assets & Maintenance](https://kinnow.ai/modules/maintain.html): Asset register, work orders and AMCs that keep score.
- [Serve - Service & Support](https://kinnow.ai/modules/serve.html): Tickets, field jobs and service contracts in one queue.
- [Reach - B2B Marketing & Demand](https://kinnow.ai/modules/reach.html): B2B demand from the customer data you already hold.
- [Build - Projects & Contracting](https://kinnow.ai/modules/build.html): Tender to handover, with RA bills and retention.
- [Make - Manufacturing](https://kinnow.ai/modules/make.html): BOMs, work orders, MRP and quality on one floor.
- [Vault - Knowledge & Documents](https://kinnow.ai/modules/vault.html): Every document, governed, and put to work.
- [Zest & Common - Conversations & Shared Services](https://kinnow.ai/modules/zest-and-common.html): Talk about a record; decide on the record.
- [Masters - Shared Master Data](https://kinnow.ai/modules/masters.html): One customer, vendor and item list for every module.
- [Admin - Platform Administration](https://kinnow.ai/modules/admin.html): Entities, roles, SSO, connectors and credits in one place.
- [Field Ops - Field Operations Engine](https://kinnow.ai/modules/field-ops.html): Rosters, routes and dispatch for any field team.

## Industries
- [Startup](https://kinnow.ai/industries/startup.html): Books, payroll and compliance from day one, without hiring a back office.
- [CA Practice](https://kinnow.ai/industries/ca-practice.html): Every client's books, filings and deadlines on one review queue.
- [Professional Services](https://kinnow.ai/industries/professional-services.html): Time captured, work accepted, invoice raised: realisation you can see.
- [IT Services](https://kinnow.ai/industries/it-services.html): From SOW to utilisation: every billable hour tied to revenue.
- [Tech / SaaS](https://kinnow.ai/industries/tech-saas.html): Subscriptions, SLAs and revenue recognition on the same ledger.
- [Incubators](https://kinnow.ai/industries/incubators.html): Applications to graduation, mentors to funders, in one programme record.
- [Distribution & Trading](https://kinnow.ai/industries/distribution.html): Order to cash for distributors, with credit, stock and GST watched daily.
- [Retail & POS](https://kinnow.ai/industries/retail-pos.html): Counter, cash drawer and back office on one product.
- [Manufacturing](https://kinnow.ai/industries/manufacturing.html): BOM to dispatch, with variance and job work reconciled as you go.
- [Capital Goods](https://kinnow.ai/industries/capital-goods.html): Sell the machine, then earn on the AMC for a decade.
- [Hospitality](https://kinnow.ai/industries/hospitality.html): Reservations, folios and night audit tied to the back office.
- [Mobility & Fleet](https://kinnow.ai/industries/mobility-fleet.html): Trips, drivers and vehicles cleared, tracked and billed.
- [Real Estate & Commercial Property](https://kinnow.ai/industries/real-estate.html): Leases, CAM and the building's assets on one tenant book.
- [Engineering, Construction & System Integration (EPC)](https://kinnow.ai/industries/epc.html): Tender to RA bill to handover to AMC: one project record.
- [BPO / Concierge Voice](https://kinnow.ai/industries/bpo-voice.html): Inbound desk, SLAs and per-client billing on one ledger.
- [NGO / Non-profit](https://kinnow.ai/industries/ngo.html): Every grant tracked from award to utilisation certificate.
- [Group Enterprise (multi-entity)](https://kinnow.ai/industries/group-enterprise.html): Every entity in its own words, consolidated in one view.
- [Cold chain](https://kinnow.ai/industries/cold-chain.html): A temperature excursion quarantines the lot before anyone sells it.
- [Cross-border trade](https://kinnow.ai/industries/cross-border.html): Export paperwork, landed cost and FX in one set of books.

## Compliance by country
- [India](https://kinnow.ai/compliance/in.html): GST with IRN e-invoices and e-Way bills, GSTR-1 and GSTR-3B prepared from your books, GSTR-2B matching, TDS and India payroll (PF, ESI, PT) - live and deep at launch.
- [United Arab Emirates](https://kinnow.ai/compliance/ae.html): UAE VAT returns and WPS salary files arrive in December 2026. UAE e-invoicing and full UAE payroll complete with early-access customers.
- [Saudi Arabia](https://kinnow.ai/compliance/sa.html): Saudi VAT, ZATCA Fatoorah e-invoicing and GOSI are in place as a framework and complete with early-access customers after launch. Hijri dates are being added.
- [United Kingdom](https://kinnow.ai/compliance/uk.html): VAT and Making Tax Digital are in place as a framework; the UK pack completes with early-access customers.
- [Singapore](https://kinnow.ai/compliance/sg.html): GST F5, CPF and InvoiceNow are on the Singapore pack's roadmap; the framework is in place and completes with early-access customers.
- [United States](https://kinnow.ai/compliance/us.html): State sales tax - nexus, exemption certificates and per-state returns - is in place as a framework and completes with early-access customers. US payroll stays with your current provider for now.
- [Malaysia](https://kinnow.ai/compliance/my.html): SST and MyInvois e-invoicing are on the roadmap. Talk to us if you want to be an early customer in Malaysia.

## Comparisons
- [Kinnow vs TallyPrime](https://kinnow.ai/compare/kinnow-vs-tallyprime.html): Desktop accounting software vs a cloud ERP with AI agents, multi-entity support and no per-user fee.
- [Kinnow vs Zoho One](https://kinnow.ai/compare/kinnow-vs-zoho-one.html): A bundled SaaS suite priced per user vs a unified ERP with reasoning, one data model and no licence fee.
- [Kinnow vs Odoo Enterprise](https://kinnow.ai/compare/kinnow-vs-odoo.html): An open-source ERP with per-app pricing vs an AI-native ERP where every application is included.
- [Kinnow vs SAP Business One](https://kinnow.ai/compare/kinnow-vs-sap-business-one.html): A legacy mid-market ERP with implementation cycles of months vs a modern ERP live in about two weeks.
- [Kinnow vs Dynamics 365 Business Central](https://kinnow.ai/compare/kinnow-vs-dynamics-365-business-central.html): Microsoft's per-user ERP vs an AI-native platform with no per-user fee and 284 built-in agents.
- [Kinnow vs Oracle NetSuite](https://kinnow.ai/compare/kinnow-vs-netsuite.html): A cloud ERP with tiered pricing and add-on modules vs an Enterprise Reasoning Platform with every application included.

## Glossary
- [AI agent (in an ERP)](https://kinnow.ai/glossary/ai-agent-erp.html): Software that does a defined piece of business work - a reconciliation, a reminder, a return - over your records, and hands it to a person to commit.
- [AI credits](https://kinnow.ai/glossary/ai-credits.html): Kinnow's unit for agent work. Agents and Ask Kinnow draw on the credits in your agent pack, which refresh every month; no seats.
- [AMC (annual maintenance contract)](https://kinnow.ai/glossary/amc.html): A recurring service contract for an asset, with SLAs, scheduled visits and renewal dates.
- [Approval workflow](https://kinnow.ai/glossary/approval-workflow.html): The chain of sign-offs a record passes through before it takes effect, defined in plain words and enforced by the system.
- [Accounts payable automation](https://kinnow.ai/glossary/accounts-payable-automation.html): Matching supplier invoices to purchase orders and goods receipts, posting the liability and scheduling payment without re-keying.
- [Accounts receivable ageing](https://kinnow.ai/glossary/accounts-receivable-ageing.html): A report that groups unpaid customer invoices by how long they have been overdue, so collections can focus on the oldest first.
- [Bank reconciliation](https://kinnow.ai/glossary/bank-reconciliation.html): Matching every bank-statement line to a recorded receipt or payment, so the books and the bank agree.
- [BOM (bill of materials)](https://kinnow.ai/glossary/bom.html): The list of parts and quantities needed to make one unit of a product, used to plan material and cost.
- [CAM (common area maintenance)](https://kinnow.ai/glossary/cam-charges.html): Charges a landlord recovers from tenants for shared spaces - security, cleaning, power - usually by area share.
- [Cash-flow forecast](https://kinnow.ai/glossary/cash-flow-forecast.html): A week-by-week projection of cash in and out, built from receivables, payables, payroll and commitments.
- [Change request](https://kinnow.ai/glossary/change-request.html): A request, raised in plain words, for Kinnow to change the product for your business. Scoped, scheduled and closed with your verdict.
- [CRM (customer relationship management)](https://kinnow.ai/glossary/crm.html): The record of every lead, opportunity and customer interaction, from first enquiry to ongoing account management.
- [Data residency](https://kinnow.ai/glossary/data-residency.html): Where a company's data is stored and processed. Kinnow lets each tenant pick a residency region.
- [DPDP Act](https://kinnow.ai/glossary/dpdp-act.html): India's Digital Personal Data Protection Act, 2023: consent, purpose limits and erasure rights for personal data.
- [Dunning (collections follow-up)](https://kinnow.ai/glossary/dunning.html): The escalating sequence of reminders sent to customers with overdue invoices.
- [e-Way bill](https://kinnow.ai/glossary/e-way-bill.html): An electronic document required in India to move goods worth over fifty thousand rupees, generated from the invoice and dispatch details.
- [E-invoicing in India](https://kinnow.ai/glossary/e-invoicing-india.html): The process of registering every B2B invoice with India's Invoice Registration Portal (IRP) to receive a signed IRN before it is legally valid.
- [Enterprise Reasoning Platform](https://kinnow.ai/glossary/enterprise-reasoning-platform.html): Kinnow's name for ERP rebuilt around reasoning: a system of record, a system of agents that acts, and a system of intelligence that reasons.
- [ERP (enterprise resource planning)](https://kinnow.ai/glossary/erp.html): Software that keeps all of a company's business records - sales, purchases, inventory, accounts, payroll - in one system.
- [FEFO / FIFO](https://kinnow.ai/glossary/fefo-fifo.html): Stock-issue rules: first-expired-first-out for perishables, first-in-first-out otherwise, so older lots move first.
- [GEO (generative engine optimisation)](https://kinnow.ai/glossary/geo-ai-visibility.html): Making a brand show up correctly in AI answer engines such as ChatGPT, Claude and Perplexity.
- [GRNI (goods received not invoiced)](https://kinnow.ai/glossary/grni.html): A liability account that records goods a business has received but not yet been billed for, cleared when the supplier invoice arrives.
- [GST (Goods and Services Tax)](https://kinnow.ai/glossary/gst.html): India's destination-based indirect tax, split into CGST + SGST within a state and IGST between states.
- [GSTR-2B](https://kinnow.ai/glossary/gstr-2b.html): A monthly, auto-drafted statement of input tax credit available to a buyer, built from suppliers' filed GSTR-1s.
- [GSTR-3B](https://kinnow.ai/glossary/gstr-3b.html): India's monthly or quarterly summary GST return that declares outward tax, claims input credit and pays the net liability.
- [Human in the loop](https://kinnow.ai/glossary/human-in-the-loop.html): A design where AI drafts or recommends and a person approves before anything is posted, filed or paid.
- [Input tax credit (ITC)](https://kinnow.ai/glossary/input-tax-credit.html): Tax paid on purchases that a business can offset against tax owed on sales, if the supplier has filed and the invoice matches.
- [Inter-company reconciliation](https://kinnow.ai/glossary/inter-company-reconciliation.html): Checking that transactions between entities in the same group match on both sides before consolidation.
- [InvoiceNow (Peppol)](https://kinnow.ai/glossary/invoicenow-peppol.html): Singapore's nationwide e-invoicing network, built on the Peppol standard, for sending invoices between businesses' systems.
- [IRN e-invoice](https://kinnow.ai/glossary/irn-e-invoice.html): An Invoice Reference Number issued by India's Invoice Registration Portal (IRP) that makes a B2B invoice legally valid above the turnover threshold.
- [Making Tax Digital (MTD)](https://kinnow.ai/glossary/making-tax-digital.html): HMRC's rule that VAT-registered UK businesses keep digital records and file VAT returns from compatible software.
- [MRP (material requirements planning)](https://kinnow.ai/glossary/mrp.html): Working out what to buy or make, and when, from demand, stock on hand and the BOM.
- [Multi-entity consolidation](https://kinnow.ai/glossary/multi-entity-consolidation.html): Combining the books of several legal entities into group reports, eliminating intercompany transactions.
- [Period close (month-end close)](https://kinnow.ai/glossary/period-close.html): The checklist that locks a month's books: reconciliations, accruals, reviews and sign-off, before reporting.
- [RA bill (running-account bill)](https://kinnow.ai/glossary/ra-bill.html): An interim bill on a construction or EPC project for certified work done to date, often with retention held back.
- [Retention money](https://kinnow.ai/glossary/retention-money.html): A share of each progress bill the client holds until the defect-liability period ends.
- [Sales-tax nexus](https://kinnow.ai/glossary/sales-tax-nexus.html): The connection with a US state - physical presence or sales volume - that obliges a seller to collect and file that state's sales tax.
- [Semantic layer (certified metrics)](https://kinnow.ai/glossary/semantic-layer.html): A governed catalogue of metric definitions so every number means the same thing everywhere.
- [Share of Model](https://kinnow.ai/glossary/share-of-model.html): How often AI answer engines mention a brand when asked about its category.
- [System of Engagement](https://kinnow.ai/glossary/system-of-engagement.html): How a business meets its market and its own people. In Kinnow: Reach (out), Serve (in) and Zest (conversations).
- [System of Learning](https://kinnow.ai/glossary/system-of-learning.html): The part of Kinnow that improves with use: agent calibration from approvals and corrections, certified metrics as precedent.
- [System of Record](https://kinnow.ai/glossary/system-of-record.html): Where a business's canonical data lives. In Kinnow it holds structured records and unstructured documents in the Vault, joined.
- [TDS (tax deducted at source)](https://kinnow.ai/glossary/tds.html): Income tax withheld at payment time and deposited with the government.
- [The Day (Zest)](https://kinnow.ai/glossary/the-day.html): A register of everything in motion in three bands - Ahead, Landed and Still out - ranked by how long items have been silent.
- [Three-way match](https://kinnow.ai/glossary/three-way-match.html): Checking a supplier bill against its purchase order and goods receipt before paying.
- [Veil (AI privacy layer)](https://kinnow.ai/glossary/veil.html): Kinnow's layer that classifies every field, drops identifiers and tokenises names before any AI model sees data.
- [WPS (Wage Protection System)](https://kinnow.ai/glossary/wps.html): The UAE's salary-transfer system: employers pay wages through approved channels using a SIF salary file.
- [UPI QR on invoice](https://kinnow.ai/glossary/upi-qr-invoice.html): A QR code printed on a tax invoice that the customer scans with any UPI app to pay the exact amount instantly, with the payment matched to the invoice automatically.
- [Credit hold in ERP](https://kinnow.ai/glossary/credit-hold.html): When a sales order is blocked from dispatch because the customer's outstanding balance exceeds their credit limit, requiring a manual sign-off before release.
- [ZATCA Fatoorah](https://kinnow.ai/glossary/zatca-fatoorah.html): Saudi Arabia's e-invoicing regime: invoices are signed, hash-chained XML (UBL) cleared or reported to ZATCA.

## Resources (blog)
- [Close in days, not weeks](https://kinnow.ai/resources/close-in-days-not-weeks.html): When AI agents read every journal entry as it posts, the month-end close shrinks from weeks to days.
- [Why the next ERP has no licence fee](https://kinnow.ai/resources/why-the-next-erp-has-no-licence-fee.html): The licence-fee model is breaking down. The value in enterprise software is shifting from access to intelligence.
- [Reading seven entities as one](https://kinnow.ai/resources/reading-seven-entities-as-one.html): Indian business groups often run five to ten entities under one promoter. Kinnow gives them a single reasoning layer across every company.
- [Marketing that knows the ledger](https://kinnow.ai/resources/marketing-that-knows-the-ledger.html): Most marketing tools know what a customer clicked. Kinnow's marketing application knows what they bought, what they owe and when they last paid.
- [From pipeline to cash](https://kinnow.ai/resources/from-pipeline-to-cash.html): One record from first lead to final receipt - no handoff between CRM and ERP.
- [One CA relationship, dozens of connected businesses](https://kinnow.ai/resources/one-ca-relationship.html): A CA practice sees every client's data in one portal, earns on every client every month, and lets agents handle the repetitive work.
- [Reasoning as the rootstock](https://kinnow.ai/resources/reasoning-as-the-rootstock.html): Intelligence cannot be bolted onto a legacy ERP. It must grow from the core.
- [Operations with agents on staff](https://kinnow.ai/resources/operations-with-agents.html): Agents handle the queue, watch the SLA clock and escalate before a breach - so the team works the problem, not the process.
- [Payroll that knows the jurisdiction](https://kinnow.ai/resources/payroll-that-knows-the-jurisdiction.html): Payroll compliance differs by country. Kinnow's payroll is live in depth in India and arriving in the UAE from December 2026.
- [Dock to ledger](https://kinnow.ai/resources/dock-to-ledger.html): When a goods receipt posts itself into the books - inventory, GRNI and PO fulfilment in one atomic step.
- [ERP vs spreadsheet: when the spreadsheet stops being enough](https://kinnow.ai/resources/erp-vs-spreadsheet.html): Spreadsheets are where every business starts. Here is how to tell when you have outgrown them.
- [How to choose an ERP for an Indian SME](https://kinnow.ai/resources/how-to-choose-erp-indian-sme.html): A practical checklist for evaluating ERP software when your business runs between 10 and 500 people in India.
- [ERP implementation: what two weeks actually looks like](https://kinnow.ai/resources/erp-implementation-timeline.html): A day-by-day account of what happens from sign-up to first live use on Kinnow.
- [What an ERP costs a small business in India](https://kinnow.ai/resources/erp-cost-small-business-india.html): The real cost of running an ERP - licence, implementation, training and ongoing - and where the no-licence-fee model changes the maths.
- [When a CA practice outgrows desktop accounting](https://kinnow.ai/resources/ca-practice-beyond-desktop-accounting.html): What changes when a growing practice moves from desktop accounting to a cloud ERP with agents and a multi-client portal.

## Frequently asked questions

**What is an Enterprise Reasoning Platform?**
An Enterprise Reasoning Platform keeps ERP records - sales, purchases, inventory, accounts, payroll - and reasons over them. It combines a system of record, 284 agents that do defined work, and a system of intelligence that answers questions in plain English. Kinnow is the first one.

**How is Kinnow different from a traditional ERP?**
Traditional ERPs store and retrieve records. Kinnow also reads them: agents close the books, match bank lines, chase payments, prepare tax returns and plan reorders. Each agent shows its reasoning. Nothing is filed, paid or posted without a person.

**Does Kinnow charge per user?**
No. There is no licence fee and no per-user fee, ever. Every one of the 49 applications is available to every user. One fixed price, in writing.

**How long does ERP implementation take?**
Kinnow is designed to be live in about two weeks. Data comes across first, two or three problems are solved in the first fortnight, and the rest moves at your pace. Changes after go-live are agreed with you and delivered in short cycles.

**Does Kinnow work for both India and the UAE?**
Yes. India compliance is live and deep: GST with IRN e-invoices and e-Way bills, GSTR-1, GSTR-3B, GSTR-2B matching, TDS, and payroll with PF, ESI and professional tax. UAE compliance arrives in December 2026: VAT returns, WPS salary files and end-of-service gratuity. Saudi Arabia and Singapore follow from December 2026, and the UK, the US and Canada from early 2027.

**Can a CA practice manage multiple clients on Kinnow?**
Yes. A CA practice becomes a Kinnow partner and sees every client's books, filings and deadlines in one portal. Each client gets the full ERP - all 49 applications, no licence fee. The practice sees every client in one review queue.

**What AI agents does Kinnow have?**
284 agents. Featured examples: Close Checklist, Bank Reconciler, Collections, Filing Prep, Mismatch Detector (GSTR-2B), Payroll Engine, Reorder Planner, Cash-flow Forecaster, CAM Recovery, Lead Scorer, Quote Writer, SLA Watchdog, Triage and Field Dispatch. Nothing is filed, paid or posted without a person.

**Is customer data used to train AI models?**
No. Your data is never used to train outside AI models. Kinnow's own Instinct models learn from your company's data only if your admin turns that on. Veil, the privacy layer, holds back bank, tax and ID numbers and swaps names for tokens before an AI call.

**What compliance does Kinnow cover in India?**
GST with IRN e-invoices and e-Way bills, GSTR-1 and GSTR-3B prepared from your books, GSTR-2B matching for input tax credit, TDS/TCS, and payroll with PF, ESI, professional tax (all states), gratuity provisioning and Form 16. All live and deep.

**What industries does Kinnow support?**
19 industries with ready-made packs: Startup, CA Practice, Professional Services, IT Services, Tech / SaaS, Incubators, Distribution and Trading, Retail and POS, Manufacturing, Capital Goods, Hospitality, Mobility and Fleet, Real Estate, EPC, BPO, NGO, Group Enterprise (multi-entity), Cold chain and Cross-border trade. Each pack includes workflows, controls, reports, forms and vocabulary.

**How does Kinnow handle multi-entity businesses?**
Each entity keeps its own books. Agents read across entity lines. The promoter sees consolidated revenue, expenses, EBITDA and cash flow from a live dashboard - not a month-end spreadsheet. Intercompany transactions are tracked natively, and the consolidation view eliminates them automatically.

**Can I migrate from Tally or another ERP?**
Yes. Kinnow has a migration path that brings data across first. Financial statements can be displayed in your old system's format so the team can cross-check without learning a new layout.

**What does Veil do?**
Veil is Kinnow's AI privacy layer. It classifies every field, drops identifiers (bank accounts, tax numbers, ID numbers), tokenises names and withholds risky text before any AI model sees data. It covers Ask Kinnow and most agents today; the rest are being added. Every call records what was sent and what was withheld.

## Editions
- India (default) https://kinnow.ai/ · UAE & KSA https://kinnow.ai/gcc/ · UK https://kinnow.ai/uk/ · Singapore https://kinnow.ai/sg/ · US https://kinnow.ai/us/