Handing your bookkeeping to a team overseas only works if that team is qualified, accountable, and easy to reach when something needs attention. Karnani & Co. is a CA-supervised remote bookkeeping team based in India, serving US small businesses and CPA firms on QuickBooks Online, Zoho Books and Xero — Top Rated Plus on Upwork with a 100% Job Success Score
Remote Bookkeeping for US Small Businesses – Full Scope
We handle end-to-end bookkeeping for business owners and CPA firms across four continents. Whether you’re running the books yourself and need it off your plate, or you’re a CPA firm needing white-label overflow capacity, here’s exactly what’s included:
| Service | What We Do |
|---|---|
| Transaction recording and categorisation | Daily or weekly posting of income and expense transactions |
| Accounts payable and receivable | Invoice processing, payment tracking, ageing reports |
| Bank and credit card reconciliation | All accounts reconciled at month-end |
| Payroll processing | Payroll entry, journal posting, payroll reports |
| Month-end close | Reconciliations complete, P&L and balance sheet delivered |
| Catch-up and clean-up bookkeeping | Backlogged months brought current, errors corrected |
| Software setup and chart of accounts | New file setup or existing file restructure |
| Financial reporting | Monthly management reports in the format you need |
<
p dir=”ltr”>
Software we work on: QuickBooks Online, Zoho Books, Xero. All three platforms, for setup, migration and ongoing bookkeeping.
Geographies we serve: United States, United Kingdom, Australia, UAE, Canada, Europe, as a remote and virtual bookkeeping team working entirely on cloud platforms.
If you’re a CPA or accounting firm, we work as a white-label back-office extension of your practice. Your client sees only your name on the final output. We fit into your existing workflow rather than asking you to fit into ours.
Ecommerce Bookkeeping Outsourcing to India – What We Handle
Ecommerce sellers have bookkeeping needs a standard business doesn’t have. Multiple sales channels, platform fees, and inventory tied directly to cost of goods sold. Here’s what we cover specifically for online sellers:
- Multi-channel sales reconciliation — Shopify, Amazon, Etsy and other marketplace payouts matched against bank deposits, net of fees and refunds
- Platform fee accounting — Amazon referral fees, FBA fees, and Shopify payment processing charged correctly to expense accounts, not lumped into revenue
- COGS and inventory tie-outs — cost of goods sold reconciled against inventory movement, so your margin reporting is accurate
- Sales tax by state — transaction-level tracking to support your sales tax filings across jurisdictions
If your current bookkeeper doesn’t understand marketplace settlement reports, this is usually where the books go wrong first.
Meet the Team for Remote Bookkeeping for US Small Businesses from India
Your books aren’t handled by a rotating pool of freelancers. Three qualified accountants supervise every engagement:
Amit Mundhra, FCA, DISA — Managing Partner. Over 25 years of practice experience and a Fellow Member of the Institute of Chartered Accountants of India. Oversees review and sign-off on every engagement, and is your direct point of contact on Upwork.
Rajendra Gora, FCA — Partner. Fellow Member of ICAI since 2015, with over 7 years handling audit and tax matters. Leads reconciliation and audit-quality review on larger engagements. Specializes in Zoho Books, E-Commerce Bookkeeping in India, E-Commerce Sales and Expense Reconciliations
Amit Mundhra CA – Upwork Profile
Karnani & Co – Upwork Agency Profile
Data Security and Confidentiality — How We Protect Your Books
Your financial data is protected before any access is even granted, not after. Here’s exactly how:
- NDA first, always — signed before any software access, documents, or client information is shared, regardless of engagement size
- Cloud-only access — all work happens on your own cloud platform; nothing is downloaded to local devices
- Role-specific access — team members only get access to what their part of the engagement requires
- Access revoked on close — the moment an engagement ends, access is removed
If you’re a CPA firm, this matters twice over. Your client’s confidentiality is your professional obligation, and our process is built to hold up under that scrutiny.
How Remote Bookkeeping for US small businesses from India Engagement Works
Here’s exactly what happens from the first conversation to your first month-end close:
- Discovery call — We understand your current software, monthly transaction volume, reporting format and review preferences. No assumptions made.
- NDA and engagement letter — Signed before any access is shared. Always.
- Secure onboarding — Software access setup, chart of accounts review, opening balances confirmed.
- Weekly or daily processing — Transactions posted, categorised and matched on your preferred schedule.
- Month-end close — All reconciliations completed, reports prepared and delivered by an agreed date.
- Review and sign-off — Delivered to you for review via email or a short Zoom call, whichever you prefer.
Time zone delivery: Our team works IST, which is 10.5 hours ahead of US Eastern and 4.5 hours ahead of UK time. In practice, your books are updated before your business day begins. US clients typically receive month-end reports by the 5th working day of the following month.
Communication: Email, shared Google Drive or Dropbox, WhatsApp and Zoom. You get a single point of contact, not a rotating support queue. CPA firms get a dedicated contact who learns your specific workflow rather than treating every client the same way.
Outsourced Bookkeeping for US Small Business from India – Pricing
Pricing depends on your transaction volume, number of accounts, and reporting requirements.
| Engagement Type | Rate | Best For |
|---|---|---|
| Hourly | $15–$25/hr | Variable volume, project-based work, or catch-up work |
| Fixed monthly retainer | Custom, based on volume review | Ongoing bookkeeping with predictable monthly cost, including CPA firm overflow arrangements |
For fixed pricing, we review your last 3 months of bank statements and transaction volume before quoting. You get a flat monthly figure, with no surprises at month-end.
A bookkeeper in the US typically costs $20–$40/hr with no CA-level supervision attached. Our team delivers CA-supervised work at $15–$25/hr, with communication in your time zone window and reports in your preferred format.
What affects your final price:
- Number of bank and credit card accounts
- Monthly transaction volume
- Whether payroll processing is included
- Reporting complexity, from a basic P&L to full management accounts
- Catch-up required on backlogged periods
Tell us your monthly transaction volume and we’ll send a fixed price quote within 24 hours.
Quick Verification Checklist Before You Hire Bookkeepers from India
The market ranges from qualified CA-supervised teams to individual freelancers with no formal training. Before you commit, verify:
- Qualifications — is the team supervised by a qualified, credentialed accountant?
- Software experience — do they work daily on your specific platform, not just occasionally?
- Turnaround in writing — is your delivery date agreed at onboarding and put in the engagement letter?
- Single point of contact — will you deal with a named person, or get passed around?
Every one of these is answered above. If a provider you’re evaluating can’t answer them as clearly, that’s worth noticing.
Frequently Asked Questions – Online Bookkeeping for US businesses
Q1. What is the difference between remote bookkeeping and outsourced accounting?
Remote bookkeeping covers the recording, categorisation and reconciliation of transactions, the day-to-day maintenance of your books. Outsourced accounting goes further and includes financial analysis, management reporting, tax preparation and advisory. Karnani & Co. provides both, so your engagement can start with bookkeeping and expand into virtual CFO and management reporting services as your needs grow.
Q2. What’s the difference between remote bookkeeping and online bookkeeping services?
There’s no real difference. “Remote bookkeeping” and “online bookkeeping services” describe the same thing: your books maintained by a team working outside your office, on cloud software you can access anytime. We use both terms because clients search for the service both ways.
Q3. Which accounting software do you use for US and UK clients?
We work on QuickBooks Online, Zoho Books and Xero, the three platforms most commonly used by US, UK and Australian businesses and CPA firms. We handle setup, chart of accounts configuration, data migration and ongoing bookkeeping on all three. If you use a different platform, ask us; we may still be able to help.
Q4. How do you keep client financial data secure?
We sign a non-disclosure agreement before any access is granted. All work is done on your own cloud platform, with nothing downloaded to local devices. Access is role-specific and revoked immediately on engagement close.
Q5. Can a US CPA firm outsource its clients’ bookkeeping to Karnani & Co.?
Yes, and this is one of the most common arrangements we work under. CPA firms outsource the bookkeeping function to us and retain the client relationship and review responsibilities on their side. We operate as a white-label back-office team, and the client sees only the CPA firm’s name on the final output.
Q6. Do you offer ecommerce bookkeeping outsourcing for Shopify or Amazon sellers?
Yes. We reconcile multi-channel sales from Shopify, Amazon and Etsy against bank deposits, account for platform and referral fees correctly, and tie inventory movement to COGS. This is a distinct skill set from standard bookkeeping and a regular part of our engagement mix.
Q7. What is the typical turnaround time for monthly bookkeeping?
For clients with complete records and no missing documents, we deliver the month-end close by the 10th working day of the following month. This date is agreed at onboarding and written into the engagement letter. Catch-up work on backlogged periods is quoted separately based on volume.
Q8. How do you handle communication across different time zones?
US clients receive work completed overnight, so your books are updated before your day begins. UK clients overlap with us by 4.5 hours in the morning. We use email for formal communication and WhatsApp or Zoom for faster queries, with response time within 2 hours during our working hours, 9am to 6pm IST, Monday to Saturday.
Q9. Are your bookkeepers qualified? What credentials does the team hold?
The team works under the direct supervision of Amit Mundhra, FCA, DISA, a Fellow Member of the Institute of Chartered Accountants of India with over 25 years of practice, along with partners Rajendra Gora, ACA, and Mohit Karnani, ACA. The ICAI qualification is India’s equivalent of the CPA in the US or ACA/FCA in the UK.
Contact Us for Remote Bookkeeping in India
