Insights

Notes on building a financial OS for people who earn from abroad.

30 July 202610 min readSohom ChatterjeeCompliance

The SOFTEX Repeal Isn't a Simplification If You Never Filed SOFTEX

From 1 October 2026, exporters of design, consulting, marketing, writing and support services get a monthly export declaration obligation they never had before. Most of the coverage calling this reform a simplification is written for software exporters.

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Export Declaration Form filing timeline for Indian service exporters under the FEMA Export and Import Regulations, 2026, effective 1 October 2026.

15 July 20267 min readSohom ChatterjeeTax

Your AIS Is About to Expose Your Payoneer Account — Here's What Every Indian Freelancer Needs to Know

CBDT's July 8, 2026 order puts your foreign accounts directly in your AIS. If you use Payoneer, Wise, or PayPal, here's what changes — and the ITR-4 trap nobody's talking about.

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CBDT's July 2026 order uploads foreign account data into the Annual Information Statement of Indian taxpayers.

9 July 20267 min readSohom ChatterjeeCompliance

Is Your Agency an "Intermediary" Under GST? What Actually Changed in 2026

Section 13(8)(b) is gone as of 30 March 2026 — but the reform only pays off for agencies that were classified as intermediaries in the first place. Most agencies that deliver work directly to foreign clients weren't, and won't feel this at all.

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How the omission of Section 13(8)(b) of the IGST Act on 30 March 2026 affects GST for Indian agencies exporting services.

1 July 20266 min readSohom ChatterjeeCompliance

The Real Cost of Getting Paid From Abroad

Payments are the easy part. What actually costs Indian freelancers and exporters time, money, and client trust happens after the money lands.

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The hidden compliance cost Indian freelancers and exporters pay after a foreign payment lands.