> ## Documentation Index
> Fetch the complete documentation index at: https://aczen-d43c4738.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# View and export financial statements in Aczen Bilz

> Aczen Bilz auto-generates P&L, Balance Sheet, Trial Balance, and Ledgers from your invoices, expenses, and journal entries — no manual work required.

Aczen Bilz builds your financial statements automatically from the invoices you raise, the expenses you record, and the journal entries you post. As soon as a transaction is saved, it flows into the underlying accounts — so your P\&L, Trial Balance, and Ledgers are always up to date. You can view each statement directly in the app and export a clean PDF or Excel file whenever you need one.

## Available statements

<Tabs>
  <Tab title="Profit & Loss">
    The Profit & Loss (P\&L) statement shows your revenue, expenses, and net profit for any period you choose. It draws from three sources:

    * **Paid invoices** — counted as revenue from operations
    * **Purchase bills and expenses** — counted as operating expenses, broken down by category
    * **Journal entries** — any additional income or expense lines posted via manual journals

    **Reading the report**

    | Section                 | What it shows                                                |
    | ----------------------- | ------------------------------------------------------------ |
    | Revenue from Operations | Total of all paid invoices in the period                     |
    | GST Collected           | Output GST billed to your customers (informational only)     |
    | Expenses by category    | Each expense category with amount, GST input credit, and TDS |
    | Profit Before Tax       | Revenue minus total expenses                                 |
    | Tax Expense             | Estimated tax provision (25%)                                |
    | Net Profit After Tax    | Your bottom line for the period                              |

    **Filter by date range**

    You can set a custom start and end date, or use the comparison mode to place two periods side by side. The comparison view shows the percentage change in revenue, expenses, and profit between the two periods.

    <Tip>
      Use the **MIS Report** tab inside Financial Statements for a quick month-on-month comparison of this month versus last month, with AI-generated insights.
    </Tip>
  </Tab>

  <Tab title="Trial Balance">
    The Trial Balance lists every account in your Chart of Accounts alongside the total debits and credits posted to it. It confirms that your books are balanced — total debits must equal total credits.

    **What you see**

    | Column  | Description                                          |
    | ------- | ---------------------------------------------------- |
    | Code    | The account code (e.g. 1000, 2100)                   |
    | Account | The account name                                     |
    | Debit   | Sum of all debit entries across all posted journals  |
    | Credit  | Sum of all credit entries across all posted journals |

    A **Balanced** indicator appears at the bottom when total debits equal total credits. If you see **Not balanced**, it usually means a journal entry was saved with mismatched lines — go to Manual Journals to review.

    <Note>
      The Trial Balance reflects only **posted** journal entries. Draft journals do not appear here.
    </Note>
  </Tab>

  <Tab title="Ledgers">
    The Ledger view shows a running transaction history for any individual account — similar to a passbook for that account. Select an account from the dropdown and you will see every journal line that touched it, in chronological order, along with a running balance.

    **What each row shows**

    | Column          | Description                            |
    | --------------- | -------------------------------------- |
    | Date            | The journal date of the entry          |
    | Narration       | The description entered on the journal |
    | Debit           | Amount debited to this account         |
    | Credit          | Amount credited to this account        |
    | Running Balance | Cumulative balance after each entry    |

    The first row always shows the **Opening Balance** — the balance you set when you created the account in the Chart of Accounts.

    **Common uses**

    * Verify all payments received into a bank account
    * Check how much has been charged to an expense category over time
    * Reconcile a customer or vendor account
  </Tab>

  <Tab title="Balance Sheet (Schedule III)">
    The Schedule III Balance Sheet presents your assets, liabilities, and equity in the format prescribed under the Companies Act, 2013. It is generated from your Chart of Accounts and is suitable for sharing with your CA or auditor.

    The statement is divided into two sides:

    * **Sources of Funds** — share capital, reserves and surplus, long-term and current liabilities
    * **Application of Funds** — fixed assets, investments, current assets including receivables, inventory, and cash

    <Tip>
      To generate the Schedule III Balance Sheet, go to **Financial Statements → Balance** tab and select a financial year. Fill in your company details under the **Setup** tab first so that the header of the exported PDF is correct.
    </Tip>
  </Tab>

  <Tab title="Income & Expenditure">
    The Income & Expenditure (I\&E) statement is built from your posted journal entries and is commonly used by trusts, societies, and non-profit entities instead of a standard P\&L.

    It groups journal lines into:

    * **Income** — credits to Income-type accounts
    * **Expenditure** — debits to Expense-type accounts

    The surplus or deficit at the bottom of the statement is the net of income over expenditure for the period.
  </Tab>
</Tabs>

## How to access your financial statements

<Steps>
  <Step title="Open Financial Statements">
    In the left sidebar, click **Reports & Analytics → Financial Statements**. The page opens on the **MIS Report** tab showing this month versus last month at a glance.
  </Step>

  <Step title="Choose a statement type">
    Use the tab bar at the top to switch between MIS Report, Detailed P\&L, Trial Balance, Ledgers, Balance Sheet, Income & Expenditure, Receipts & Payments, and Journal Audit.
  </Step>

  <Step title="Set your date range or financial year">
    For the P\&L and comparison reports, select a **Start Date** and **End Date** using the date pickers. For the Balance Sheet and formal statements, select a **Financial Year** (e.g. 2024–25) from the dropdown under the **Setup** tab.
  </Step>

  <Step title="Load the data">
    Click **Load Data** or **Fetch**. Aczen Bilz pulls your invoices, expenses, and journal entries for the period and populates the statement.
  </Step>
</Steps>

## Chart of Accounts

All financial statements are built on top of your Chart of Accounts. Every account belongs to one of five types:

<CardGroup cols={3}>
  <Card title="Asset" icon="building-2">
    Cash, bank accounts, trade receivables, inventory, fixed assets, and prepaid expenses.
  </Card>

  <Card title="Liability" icon="credit-card">
    Trade payables, GST payable, loans, and any amount you owe to others.
  </Card>

  <Card title="Equity" icon="trending-up">
    Capital contributed by the owner, retained earnings, and reserves.
  </Card>

  <Card title="Income" icon="indian-rupee">
    Revenue from operations and other income. Credits to these accounts increase income.
  </Card>

  <Card title="Expense" icon="trending-down">
    All operating costs. Debits to these accounts increase expense.
  </Card>
</CardGroup>

To add or edit accounts, go to **Accounting → Chart of Accounts**. Each account requires a unique code and a name. You can also set an opening balance when you first set up Aczen Bilz so that your historical data carries forward correctly.

## Exporting statements

<Steps>
  <Step title="Open the statement you want to export">
    Navigate to the relevant tab — for example, P\&L, Trial Balance, or Balance Sheet.
  </Step>

  <Step title="Click Export or Download PDF">
    Each statement has an **Export** button in the top-right corner. For formal statements (Balance Sheet, I\&E, Trial Balance), click **Download PDF** to generate a print-ready document.
  </Step>

  <Step title="Choose your format">
    Where available, you can choose between **PDF** and **Excel**. The PDF is formatted for presentation and sharing. The Excel file contains the raw data in separate sheets (Summary, Monthly Breakdown, Account Breakdown) for further analysis.
  </Step>

  <Step title="Save the file">
    The file downloads to your device immediately. The filename includes your company name and the financial year or date range.
  </Step>
</Steps>

<Note>
  Fill in your company details under **Financial Statements → Setup** before generating a PDF. The setup fields (company name, PAN, CIN, address, director names) are printed in the header and footer of all formal statements.
</Note>

## Performance ratios

The **Ratios** tab under Financial Statements calculates key financial indicators from your accounts, invoices, and receivables automatically.

<AccordionGroup>
  <Accordion title="Liquidity ratios">
    * **Current Ratio** — Current Assets ÷ Current Liabilities. A ratio above 1.5 is generally healthy.
    * **Quick Ratio** — (Current Assets − Inventory) ÷ Current Liabilities. Measures your ability to meet short-term obligations without liquidating stock.
    * **Working Capital** — Current Assets minus Current Liabilities in absolute rupee terms.
  </Accordion>

  <Accordion title="Profitability ratios">
    * **Gross Margin** — (Revenue − Expenses) ÷ Revenue, expressed as a percentage.
    * **Net Margin** — Net Profit ÷ Revenue. Shows what portion of each rupee of revenue you keep after all costs.
    * **Return on Equity (ROE)** — Net Profit ÷ Total Equity.
    * **Return on Assets (ROA)** — Net Profit ÷ Total Assets.
  </Accordion>

  <Accordion title="Efficiency ratios">
    * **Asset Turnover** — Revenue ÷ Total Assets. Higher is better.
    * **Receivable Turnover** — Revenue ÷ Trade Receivables. Shows how quickly you collect from customers.
    * **Payable Turnover** — Expenses ÷ Trade Payables.
    * **Inventory Turnover** — Expenses ÷ Inventory Value.
  </Accordion>

  <Accordion title="Solvency ratios">
    * **Debt-to-Equity** — Total Liabilities ÷ Total Equity. A lower ratio indicates a more conservatively financed business.
  </Accordion>
</AccordionGroup>

<Warning>
  Ratio calculations depend on the opening balances and account types set in your Chart of Accounts. If ratios appear incorrect, verify that your bank, receivable, payable, and inventory accounts are assigned the right account types.
</Warning>