Complete startup insurance guide 2025 India: D&O insurance ₹12,000-₹1,50,000/year (directors officers liability), Cyber liability ₹50,000-₹3,00,000/year (data breaches, ransomware, business interruption), General liability ₹20,000-50,000/year, Key person insurance cost breakdown, when to buy which coverage, cost-benefit analysis for startups, investor requirements.…
Intellectual Property Protection: Patents, Trademarks, Trade Secrets
Complete IP protection guide 2025 India: Patent filing ₹1600-50000 (normal 2-3 years, expedited 1-1.5 years), Trademark ₹4500-9000 (9-12 months), Design ₹1000-4000 (6-9 months), Trade secrets protection via NDA + confidentiality agreements (no registration needed), cost-benefit analysis when to protect which…
Employment Contracts: Offer Letter + Service Agreement
Complete employment contract guide 2025 India: offer letter + service agreement templates, 10 essential clauses, IP assignment (mandatory all roles), confidentiality (enforceable indefinitely), non-compete (unenforceable post-employment per Section 27 Contract Act), probation 3-6 months standard, gratuity after 5 years continuous…
Founder Agreements: Co-founder Prenup (Avoid Drama)
Complete founder agreement guide 2025 India: lawyer costs ₹5000 (template only) to ₹27998 (full drafting + consultation), standard 4-year vesting/1-year cliff (25% at cliff, 1/48 monthly), good leaver vs bad leaver mechanics, 12 essential clauses, IP assignment, dispute resolution (mandatory…
Terms of Service & Privacy Policy: Do You Really Need Them?
Complete guide 2025 India: Privacy Policy mandatory under DPDP Rules 2025 (₹2.5B penalty for breach), GDPR applies globally (up to €20M or 4% annual turnover penalty), ToS recommended (not mandatory but essential), template options Termly free or ₹1000/year, iubenda ₹400-3000/year,…
Bank Accounts & Payments: Startup Banking Best Practices
Complete startup banking guide 2025 India: current account comparison (HDFC ₹50K AQB ₹3K NMC, IDFC FIRST zero AMB first 3 years free cash deposit ₹30L/month, Axis FlexiSave ₹1L minimum), payment gateways (Razorpay 2% + 18% GST domestic, Stripe 2.9% +…
GST Compliance: Registration, Filing, Invoicing (India)
Complete GST compliance guide 2025 India: registration thresholds goods ₹40L (₹20L special states), services ₹20L (₹10L special states), GSTR-1 monthly by 11th, GSTR-3B monthly by 20th, late fees ₹50/day (₹20/day nil returns) capped ₹5000, 18% annual interest on unpaid tax,…
Fundraising Budget: How Much Does Fundraising Really Cost?
Complete fundraising cost breakdown 2025 India: legal fees SAFE ₹30-50K (simplified) vs term sheet ₹50-100K, accountant due diligence ₹15-75K (Seed to Series C), travel ₹2-10L, time cost 3-6 months (14% founder capacity), opportunity cost ₹20-40L+ (lost revenue/growth opportunities). Total Seed…
Cash Flow Management: The #1 Reason Startups Die
Master startup cash flow 2025: 38-44% of startups die from running out of cash (2nd reason after no market need). Runway formula: cash / net burn rate (months). Burn multiple benchmark <1 excellent, 1-1.5 great, 1.5-2 good, 2-3 suspect, >3…
Startup Accounting 101: Basic P&L, Balance Sheet, Cash Flow
Complete startup accounting guide 2025: P&L statement (revenue – COGS – operating expenses = net profit, tracked monthly), balance sheet (assets = liabilities + equity, point-in-time snapshot), cash flow statement (operating/investing/financing activities, tracks actual cash), bookkeeping software costs (Zoho Books…