An independent check of a Tally → Zoho Books migration, and the exact order to fix it

At a glance

The project in 30 seconds

Client: Payassured Credit Services
Industry: Fintech / lending
Location: India
When: July 2026
My role: Zoho Books reviewer
Scope: Ledger, sub-ledgers, bank, tax, reconciliation

Zoho BooksBank reconciliationGST / TDSFinancial reporting

The situation

Where Payassured started

Payassured Credit Services is a lending company in Bengaluru. Its team had imported everything from Tally into Zoho Books and started matching transactions against the bank statements.

It looked done. But they weren't sure, and they couldn't rely on the reports until someone checked.

The challenge

What had to be solved

The client's own words framed the job. They wanted to know:

Are there issues or discrepancies in the accounts?

What needs attention or correction?

What else must be done so the accounts are fully reconciled and accurate?

The approach

How I tackled it, step by step

1
Review the data
Checked the general ledger, sales and purchase sub-ledgers, bank and tax accounts using exports from the live organisation.
2
Confirm what's solid
Verified journal integrity and bank matching.
3
Find and rank issues
Graded every finding by severity, from critical to housekeeping.
4
Set the fix order
Structure first, then sub-ledgers, then tax, then lock the reconciliation.
5
Help on the call
Walked the team through GST/TDS on invoices and recording payments already received.

What I built

Inside the system

6 real screenshots from the build. Click any image to enlarge.

01The ask

The request was clear and practical: review the work so far, point out anything wrong, and say what else needs doing.

Client message asking for a review of the migration — The request, in the client's words

02What was solid

The good news first. All 610 manual journals balance, debits equal credits, and every one of the 899 HDFC statement lines was imported and matched, with nothing left uncategorised.

Zoho Books banking overview with four accounts — Four bank and cash accounts reviewed

HDFC account with 899 matched transactions — 899 lines matched, 0 uncategorised

Matched journal entries — Matched entries checked line by line

03What needed fixing

The issues were structural rather than clerical: 14 findings (2 critical, 6 high, 5 medium, 1 low). Some accounts sat under the wrong statement headings, two bank accounts had no opening balances, sales and purchase invoices were still in draft (so revenue and payables weren't posting), and the formal period-end reconciliation hadn't been completed.

Zoho Books dashboard showing zero receivables — Receivables showed ₹0 because invoices were still drafts

04The follow-up

The client came back with specific questions on GST and TDS on invoices and recording payments already received. We booked a call and worked through them together.

Client message asking for help with TDS, GST and recording payments — The follow-up questions

The results

What changed for Payassured

The client went from "it looks done, but is it?" to a clear, prioritised list of 14 fixes.

A defined order to work through them: correct the account structure, then sub-ledgers, then tax and housekeeping, then lock the reconciliation.

The team learned how to set GST and TDS on invoices and apply payments already received.

Key decisions

The calls that made it work

Good systems come from good decisions. Here's what I chose, and why.

Report what's right, not just what's wrong

Knowing the journals and bank matching were sound let the team focus on the real problems with confidence.

Rank by impact

Critical items that distort the statements come first; housekeeping comes last.

Fix in a sequence

Correcting structure before sub-ledgers avoids redoing work.

Is this for you?

A similar system could help if…

You've migrated to Zoho Books and aren't sure it's right.
Your reports don't match what you expect.
You need someone to check before an audit or sign-off.

Names, phone numbers and account balances are blurred. The full review report is confidential to the client. Every screenshot on this page comes from the real project; nothing is a mock-up.