Separate systems.
Accounts in Tally or Zoho, customers in a CRM or a spreadsheet, stock and projects elsewhere. Month-end means reconciling by hand.
Business OS · Sovereign Super Intelligence (SI) for your books
Business OS: AI ERP and CRM where your SI asks before it acts
BiltIQ Business OS is an AI ERP and CRM for Indian and UAE firms. It covers accounts, GST with GSTR-1 export, UAE VAT (5%) with a monthly VAT summary, sales, stock, projects and HR on one pipeline. Its 66 copilot tools draft and propose; the 23 tools that change data wait for a person to approve. The subscription opens in Jul 2027 (targeted).
We'll walk you through it on sample data.
- Copilot tools, counted in code
- 66
- Change data; all wait for a person
- 23
- Before an unapproved change expires
- 72 h
- Pipeline from lead to ledger
- 1
The problem
Accounts, customers and approvals sit in separate tools that never agree
Approvals off the record.
Discounts, purchase orders and payments get approved over chat or email, with no trail in the books.
An assistant you cannot trust with the books.
One that edits records on its own is a risk to the ledger.
What it is
One pipeline from lead to ledger: your SI proposes, a person approves
CRM, sales, billing and accounts on one path. Real double-entry: every journal balances, and sales post to the ledger. GST with GSTR-1 export and 5% UAE VAT invoicing with a monthly VAT summary are built, plus a TDS register and certificates. CRM, finance and HR share one approval path. It is built to replace a Zoho-type stack.
Features
GST accounting software with AI: what Business OS covers
CRM
Lead scoring, dedupe, business-card OCR, SI email drafts sent after approval
Sales
Quotes, orders, invoices, credit notes
Accounts and tax
Ledger, bank reconciliation, GST with GSTR-1 export, UAE VAT (5%) with a monthly VAT summary, TDS register and certificates
Purchase and stock
POs, goods receipts, stock moves, production BOMs
Projects
BOQ, milestones, client and vendor portals
HR and payroll
Attendance, leave, payroll
SI copilot
66 tools across CRM, sales, accounts, projects and HR. The 23 that change data are all approval-gated. One planner today; Agent OS agents join gradually.
Action log
Every copilot call goes to an append-only log.
Moving from Tally or Zoho: opening balances set at go-live; inventory and BOMs import from Excel/CSV; a direct Tally/Zoho importer is on the roadmap.
On the roadmap, not yet built: IRN e-invoice; e-way bill API (typed by hand today); TDS codes under the new Income-tax Act; on-prem file storage; SAP/Salesforce-scale depth. UAE PINT AE e-invoicing is targeted for Mar 2027.
How it works
ERP with an approval workflow: your SI proposes, the change waits, a person decides
Propose.
The copilot calls a tool that changes data.
Check.
Role permissions apply, closed by default; bad inputs are rejected.
Wait.
The call is frozen with a preview in the approval inbox. It expires in 72 hours.
Decide.
Approve, and the frozen call runs. Decline, and your SI is told.
The 23 gated tools: leads 9, RFQs 6, work items 4, revenue 2, platform 1, insights 1.
How your SI works a lead
AI CRM: how your SI works a lead, from inbox to client
It reads your inbox.
Every few minutes, your SI sorts new email and spots enquiries, quote requests and escalations. A real enquiry becomes a lead.
It fills in the details.
It notes what the customer wants, checks for duplicates, assigns the owner by territory and scores the lead hot, warm or cold.
It drafts the reply.
You read it, edit it and approve it. Only then does it send.
It follows up.
No reply in 3 days? It drafts a follow-up for your approval, up to three in a thread.
Snap a card or type a note.
Photograph a business card, or type "met Rahul from X, wants an ERP for 50 users", and your SI builds the lead.
Won quote, new client.
When a quotation is won, the lead becomes a client and the onboarding checklist starts.
Nothing goes to a customer and no record changes until a person approves it.
Controls
Where your SI and your data sit today
| Part | Own it | Subscribe |
|---|---|---|
| Database | Your network | — |
| Models | Your GPUs. We point the models at your server during install. | BiltIQ's GPU cluster in India |
| Files (attachments, documents) | Cloud storage (GCS or S3) today. On-prem file storage is a roadmap item. | — |
| Cloud models | No Claude or OpenAI calls in the code. The only cloud model option, Kimi, is off by default. | Same |
Pricing
Own Business OS on your servers, or subscribe on ours
Own it
- For
- Enterprises leaving SAP or Salesforce; large and medium firms; government
- Runs on
- Database and SI on your network; on-prem file storage is a roadmap item
- Price (ex-GST)
- ₹20–40 L licence and implementation, plus 18% a year AMC. As an add-on on an existing BiltIQ site: no second managed-service fee. Hardware at cost.
Subscribe
- For
- Small firms and MSMEs
- Runs on
- SI on BiltIQ's GPU cluster in India
- Price (ex-GST)
- Launch pricing; not yet on sale. Opens Jul 2027 (targeted). India: ₹3,500/month per firm; larger firms ₹4.5 L/yr + ₹5 L implementation. UAE: $12K/yr per firm (≈AED 3,500/month, 25 users) + $15K implementation.
Support: business hours IST (Mon–Sat 9:00–19:00), plus Gulf business hours (9:00–19:00 Gulf time) for UAE clients; site-down first response within 4 hours.
Proof
Reference: a UAE fit-out firm
Phase 1
Delivered; completion certificate on file
Zoho replacement
Built, not yet live. Live by Dec 2026 (targeted).
UAE PINT AE e-invoicing
By Mar 2027 (targeted)
Who delivers: 12 people, 10 engineers. Business OS is led by Anil Dubey (16+ yrs).
Videos: Email to leads · SI in the CRM · WhatsApp decisions · Self-updating CRM
Key facts
Business OS key facts
- 66 AI tools; the 23 that change data all wait for human approval, and an unapproved change expires after 72 hours.Business OS code audit, Oct 2026
- Built today: double-entry accounts, GST with GSTR-1 export, UAE VAT (5%) with a monthly VAT summary, TDS register and certificates.Business OS code audit, Oct 2026
- Roadmap, not built: IRN e-invoice and the e-way bill API. UAE PINT AE e-invoicing is targeted for Mar 2027. BiltIQ is not an accredited service provider (ASP).Business OS code audit; BiltIQ roadmap
- No Claude or OpenAI calls in the code; the only cloud model option, Kimi, is off by default.Business OS code audit, Oct 2026
- Files are stored in GCS or S3 cloud storage today; on-prem file storage is a roadmap item.Business OS code audit, Oct 2026
- Subscribe, launch pricing, not yet on sale, opens Jul 2027 (targeted): India ₹3,500/month per firm; UAE $12K/yr per firm + $15K implementation. Own it: ₹20–40 L + 18%/yr AMC. Ex-GST.BiltIQ price list, Oct 2026
- Reference client: a UAE fit-out firm. Phase 1 delivered; its Zoho replacement is built, live by Dec 2026 (targeted).BiltIQ records
FAQ
Frequently asked questions
Is there an AI ERP for MSMEs in India that handles GST?
BiltIQ Business OS is an ERP and CRM with your SI and GST built in, including GSTR-1 export, a TDS register and real double-entry accounts. Its subscription for MSMEs opens in Jul 2027 (targeted) at a launch price of ₹3,500 a month per firm, ex-GST. It is not yet on sale; join the 2027 waitlist to hear first.
Can the AI change our accounts on its own?
No. Business OS has 66 copilot tools, and the 23 that change data all wait for a person. Your SI proposes; a person approves. Each proposed change sits frozen in the approval inbox with a preview, and expires after 72 hours if nobody approves it. Role permissions are closed by default, and every copilot call goes to an append-only action log.
How does the AI work on leads in Business OS?
Your SI reads incoming email every few minutes, spots enquiries and quote requests, and creates the lead. It checks for duplicates, assigns the owner by territory, scores the lead hot, warm or cold, and drafts a reply that sends only after a person approves it. It drafts follow-ups when there is no reply in 3 days, builds leads from a business-card photo or a typed note, and turns the lead into a client when a quotation is won.
Can we move from Tally or Zoho to Business OS?
Yes, with some manual steps. Opening balances are set per account at go-live, and inventory, production BOMs and HR attendance import from Excel or CSV. There is no direct Tally or Zoho importer yet; it is on the roadmap. BiltIQ scopes the move on the scoping call and confirms it in a written phase-1 plan.
Does Business OS support UAE VAT and e-invoicing (PINT AE)?
Business OS already charges 5% UAE VAT on invoices with your TRN and builds a monthly VAT summary; the FTA VAT return format is on our roadmap. PINT AE e-invoicing is targeted for Mar 2027. BiltIQ is not an accredited service provider (ASP), so you appoint your own ASP for e-invoice exchange. UAE subscription launch pricing is $12K a year per firm plus $15K implementation, not yet on sale.
Does Business OS keep all our data on our own servers?
Not all of it today. On an Own-it install, the database and your SI run on your network, and the models point at your own GPUs. Attachments and documents are stored in cloud storage (GCS or S3) today; on-prem file storage is a roadmap item. BiltIQ states this up front so your security team can plan for it.
How much does Business OS cost?
Own it: ₹20–40 L for the licence and implementation, plus an 18% yearly AMC; as an add-on on an existing BiltIQ site there is no second managed-service fee. Subscribe (launch pricing, not yet on sale): ₹3,500 a month per firm in India, or $12K a year per firm in the UAE plus $15K implementation. All ex-GST.
AI agents with human approvalon-premise LLM platformAI LMS for collegesAI ERP pricingGST accounting with AIUAE e-invoicing guidesovereign AI: own it or subscribe
Put your SI to work on your own books
We'll walk you through it on sample data.