Building the financial OS for Indian freelancers and exporters.
Your CA charges ₹15,000 a quarter to reconcile what Lumeo does instantly. We started Lumeo to close that gap — compliance that happens the moment money lands, not a quarter later when someone remembers to check.
₹15K
saved per quarter vs. a CA retainer
29
countries reached on testnet
<2s
average settlement time
10,000+
early-access signups
Compliance that happens automatically,
not eventually.
Every Indian freelancer and exporter earning across borders is navigating the same broken workflow: payments arrive in foreign currency, a CA gets involved weeks later, filings are reconstructed from memory in March, and somewhere in the middle a FIRA request takes a week.
Lumeo replaces that entire chain. The moment a payment lands, it's reconciled, the FX spread is visible, your FIRA is generated, your GST and ITR-4 are prepped, and your advance tax is ring-fenced. No CA needed for the parts that can be automated.
Auto-generated FIRA within 2 seconds of payment landing
GST and ITR-4 prep ready before filing season
FX spread made visible on every cross-border payment
Advance tax ring-fenced the moment a payment settles
Multi-currency, 29 countries reached on testnet
Built for solo freelancers and agencies alike
How we build
Compliance by default
Every feature is RBI/FEMA-aware from day one — not bolted on after the fact.
Built for the real workflow
Designed around how Indian freelancers and exporters actually get paid — not how a generic ledger assumes.
Instant, not eventual
Filings and reconciliation happen the moment money lands. Not at quarter-end. Not when your CA gets to it.
The people behind Lumeo
Four builders who got tired of watching great freelancers lose money to avoidable compliance friction.
Sohom Chatterjee
Founder & CEO
Leads product and engineering. Obsessed with removing the compliance lag between a payment landing and a freelancer actually knowing what they owe.
Rohit Kumar Kundu
Co-Founder & CTO
Owns the settlement infrastructure and ledger architecture. Previously built high-throughput fintech systems processing thousands of transactions per second.
Krishnendu Samanta
Co-Founder & Head of Compliance
Designs the RBI/FEMA-aware filing engine powering auto-generated FIRAs, GST prep, and ITR-4 filings. Speaks regulator fluently.
Debojyoti Banerjee
Co-Founder & Head of Design
Shapes how complex compliance workflows feel effortless. Believes great financial software shouldn't require a manual.
How we got here
Problem validated
Interviewed 60+ Indian freelancers and exporters. Every single one had the same CA lag problem.
First commit
Ledger core, Stellar integration, and FIRA auto-generation shipped to a private testnet.
DPIIT Recognition
Recognised as a DPIIT startup under the Startup India programme.
Private beta
50 freelancers onboarded. First live FIRA generated automatically within 2 seconds of a payment landing.
Public launch
Opening Lumeo to all Indian freelancers, agencies, and exporters earning across borders.
Stop paying your CA
to do what Lumeo does free.
Join 10,000+ Indian freelancers and exporters on the waitlist.
No credit card · DPIIT Recognised · RBI/FEMA compliant