Separating personal and company money · checked 11 November 2026

Keep them apart from day one: a company account and card for every business rupee, a defined salary for you, and any loan to the company in writing.

Personal costs run through the company are not a tax saving: they can be treated as a taxable perquisite or a disallowed expense and weaken your limited liability. Decide whether money you put in is a loan or capital, since the two sit differently on the cap table and in tax. Keep statements, invoices and receipts reconciled regularly, so diligence can see whose rupee was whose.