UPI QR Code Generator
Make a UPI payment QR code and payment link from your UPI ID, with an optional amount and note.
Free tools
India business tools
GST, invoices, UPI, WhatsApp and other tools made for Indian small businesses.
GSTIN Validator
Check a GSTIN's format and check character, and read the state, PAN and holder type inside it.
PAN Format Validator
Check a PAN's format and see what the fourth letter says about the holder type.
IFSC Code Checker
Check an IFSC code's format and see which bank the first four letters belong to.
WhatsApp Text Formatter
Write WhatsApp messages with bold, italic, strikethrough, monospace, lists and quotes, with a live preview.
Hashtag Generator
Get relevant Instagram hashtags for your kind of Indian business, with local tags for your city.
Instagram Caption and Bio Generator
Get ready-to-edit Instagram captions and bio lines for your business, by type of post.
Google Review Link Generator
Make a direct link and QR code that opens your Google review form, from your Place ID.
Email Signature Generator
Build a clean email signature with your logo, contact details and social links, then copy it into Gmail or Outlook.
Gratuity Calculator
Work out your gratuity from your last drawn salary and years of service.
HRA Exemption Calculator
Find how much of your house rent allowance is tax-free under the old regime.
EPF Calculator
Project your provident fund balance at retirement from your salary, raises and the EPF interest rate.
PPF Calculator
See what a Public Provident Fund account could be worth after 15 years or more.
Income Tax Calculator FY 2025-26
Compare old and new tax regime for FY 2025-26 (AY 2026-27) and see which costs you less. An estimate only.
Invoice generator
GST or non-GST invoice, quotation or bill you can print or save as PDF.
GST calculator
Add or remove GST, with the CGST and SGST or IGST split.
GST late fee calculator
Late fee and 18% interest for a late GSTR-3B or GSTR-1.
EMI calculator
Monthly EMI, total interest and the month-by-month schedule.
Barcode generator
Code 128 barcodes for SKUs, shelf labels and invoices, as SVG.
WhatsApp link generator
A wa.me link that opens a chat with your number and a message ready.
WhatsApp QR code generator
A QR code customers scan to start a WhatsApp chat with you.
Where it helps
Running a shop
UPI QR, GST checks and review links for the counter.
Marketing
WhatsApp formatting, hashtags and captions.
Salary and savings
Gratuity, HRA, EPF, PPF and income tax estimates.
Good to know
Stays in your browser
Figures you enter are worked out on your device and never sent to our servers.
Estimates
Tax and savings calculators are for planning; check with your CA.
Validators check format
Confirm status on the GST and Income Tax portals.
Questions people ask
Which free tools help Indian small businesses?
Fourteen: a UPI QR code generator, GSTIN, PAN and IFSC validators, a WhatsApp text formatter, hashtag and Instagram caption generators, a Google review link generator, an email signature generator, and gratuity, HRA, EPF, PPF and income tax calculators. Plus GST, invoice and EMI tools.
- 14 India tools. Free.
- UPI, GST PAN, IFSC. Built for India.
- FY 2025-26 Tax calculator. Old vs new regime.
- No sign-up No limit.
What India business tools are available?
Fourteen tools: UPI QR code generator, GSTIN validator, PAN format validator, IFSC code checker, WhatsApp text formatter, hashtag generator, Instagram caption and bio generator, Google review link generator, email signature generator, and gratuity, HRA exemption, EPF, PPF and income tax calculators. All are free. Each has its own page.
Are these tools free?
Yes. There's no sign-up, no watermark and no daily limit. Marketiism, which makes business software for Indian small businesses, offers them free because they help with everyday jobs, whether or not you ever use the software. Use them for business and client work. No catch.
Is my data sent anywhere?
No. These tools run in your browser, so UPI IDs, GSTINs, PANs, salaries and messages stay on your device. Nothing is uploaded or stored. The Open in WhatsApp button sends a message from your own phone, through a normal WhatsApp link, not via our servers.
Can the validators tell me if a GSTIN or PAN is active?
No. They check the format and, for GSTIN, the check character, which catches most typing mistakes. To confirm a GSTIN is active, use Search Taxpayer on the GST portal; to confirm a PAN, use Verify PAN on the Income Tax e-filing portal. Both are free.
Are the tax calculators accurate?
They follow the published rules for the year shown, such as FY 2025-26 for income tax, but they're estimates for planning. They leave out some special cases, and rules change with each Budget. Check important decisions with your CA before acting. They're useful for planning.
Which tools help a shop take payments?
The UPI QR code generator makes a payment QR and link from your UPI ID, the invoice generator makes GST bills, and the GST calculator works out tax. For many payments a day, a bank or gateway merchant QR adds settlement reports and alerts. Start simple.
Which tools help with marketing?
The WhatsApp text formatter makes clear broadcast messages, the hashtag and caption generators help with Instagram, and the Google review link generator makes it easy for happy customers to leave reviews, which matter a lot for local search. Each is quick to use. Each takes minutes.
Which tools help employees with salary decisions?
The gratuity, HRA exemption, EPF and PPF calculators and the income tax calculator help you understand your pay, savings and tax. Use them when comparing job offers, choosing a tax regime or planning savings for the year ahead. Each one explains its assumptions. All are free to use.
Are there other GST and invoice tools?
Yes. The GST calculator adds or removes GST with the CGST, SGST or IGST split, the GST late fee calculator works out late fees and interest, the invoice generator makes a printable tax invoice, and there are bill formats for quotations, cash memos and more.
Do the tools work in Hindi?
Tool pages are in English, but several tools handle Hindi text, such as the WhatsApp formatter. Marketiism itself offers Hindi and Marathi screens for billing, the POS counter and the inbox, for staff who prefer them. Each tool page explains its language support. Try them yourself.
Do the tools work on a phone?
Yes. All of them work in mobile browsers, which suits shop owners and employees who mostly use phones. Print-ready outputs, such as QR codes and invoices, are easier to send to a printer from a computer. No app is needed for any of them. Nothing is uploaded.
Who makes these tools?
Marketiism, a Pune-based company that builds business software with a WhatsApp inbox, CRM, UPI payments and GST invoices for Indian small businesses, and runs a growth agency for clinics, coaches and local businesses. The team is based in Pune, Maharashtra. The tools are free for everyone.
How is Marketiism different from these free tools?
The free tools each do one job. Marketiism connects them: WhatsApp chats, bookings, UPI payments, automatic GST invoices and follow-ups all on one customer list, from ₹999 a month before GST with a 14-day free trial. No card is needed to try it. Setup help is included.
Can I suggest a new tool?
Yes. Write to us through the contact page with the job you'd like a tool for. Tools that help many Indian small businesses with everyday tasks, such as GST, payments or WhatsApp, are the ones we're most likely to build next. We read every suggestion.
Do I need to install anything?
No. The tools work in any modern browser on phones and computers, with nothing to download and no account to create. Bookmark the ones you use often, such as the GST calculator or UPI QR code generator. They're always up to date. Just open and use.