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About us

Two Chartered Accountants who built a business first

We are CA Harshil Goyal and CA Sajal Goyal. We started from a small shop in a small town, qualified as Chartered Accountants, and built our own firm from one room to a team of over a hundred people. Along the way we helped 500+ Indian businesses understand their own numbers. That is what we teach here.

CA Harshil Goyal and CA Sajal Goyal, founders of Harshil & Sajal
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Our story

It started in a kirana store in Sikandrabad

We grew up around a small grocery shop. Money was counted by hand at the end of the day. Nobody spoke about margins or cash flow. But we learned something early that no textbook teaches: in a small business, the numbers are personal.

Both of us chose Chartered Accountancy. We took jobs, learned how large companies handle money, and saw the gap clearly. Big companies had systems, reports and a finance head. Small businesses had none of it — and they needed it more.

In 2014 we left our corporate jobs to build our own practice. Our first client came from Noida Phase 2. There was no marketing. One happy owner told another, and that is how we grew.

The more owners we met, the clearer it became. They were not short of hard work. They were short of clear numbers.

Today our firm, Especia Associates LLP, has a team of over a hundred people and offices across India. We have helped more than 500 businesses, and valued over 200 companies. We also learned the lesson from the other side — after working with our own business coach, our profit grew 3.1 times. Systems work. We have lived it.

That is why we teach. A CA can file your returns. But only you can run your business — and you cannot run it well if you cannot see it clearly.

The beginning

A small shop, a small town

We grew up in and around a kirana store in Sikandrabad, watching a business run on daily cash.

2010

The first practice opens

Harshil starts the firm in a 200 sq ft office in Noida with two people.

2014

We go all in

Sajal leaves his corporate role. The first client arrives through a referral, and word of mouth takes over.

2015 – 2019

From accounts to advice

We add valuation, virtual CFO and internal controls. The team grows past fifty, with a second office.

2020 – 2023

500+ businesses, across India

The team crosses a hundred people, working with companies of every size, including Daikin and Genpact.

Today

Teaching 1,00,000 owners

Our goal is to give one lakh Indian business owners the clarity we wish our own family had.

The shop, the CA exams, and the decision to leave a steady salary behind.

CA Sajal Goyal
Meet the mentors

CA Sajal Goyal

Chartered Accountant · Finance, tax and strategy · 20+ years

Sajal spent more than twenty years working on finance, taxation, compliance and business strategy. Before starting the practice, he worked with the Honda group, where he handled international and expatriate taxation for a large organisation.

He has since worked with more than 500 businesses in manufacturing, D2C, retail, services and technology. Owners come to him with the same question in different words: "the business is doing well, so where is the money?" His strength is answering that in plain language, then leaving behind a simple habit the owner can repeat every month without help.

He built the Finance Control Framework for exactly this reason — a monthly routine an owner can run in about an hour, with no accounting background.

Chartered Accountant 20+ years in finance 500+ businesses guided Cash flow and working capital Tax and compliance
Connect with Sajal on LinkedIn
CA Harshil Goyal
Meet the mentors

CA Harshil Goyal

Chartered Accountant · Registered Valuer · 16+ years

Harshil started the firm in 2010 out of a small office with two people. Sixteen years later, he leads its valuation and transaction work.

He is a Registered Valuer and has led valuations for more than 200 companies — for fundraising, mergers, employee share plans and statutory reporting. That work means he has read the financial statements of hundreds of Indian businesses in detail, and he can usually tell within minutes where a company is losing value.

In the sessions, Harshil covers the part most owners never think about: what your business is actually worth to someone else, and the everyday decisions that quietly raise or lower that number.

Chartered Accountant Registered Valuer 200+ companies valued Mergers and acquisitions Business valuation
Connect with Harshil on LinkedIn
How we work

Four things we believe about money in business

These ideas shape every class we teach and every business we work with.

You cannot fix what you cannot see

Most money problems are not really problems. They are things nobody has looked at yet. Clear numbers come first, decisions come after.

Simple beats clever

A three-page report you read every month is worth more than a thirty-page report nobody opens. We always choose the version you will actually use.

Teach the owner, not just the accountant

Your accountant records what happened. You decide what happens next. So you are the one who needs to understand the numbers.

A system should outlast a person

If your finances stop when one employee is away, you do not have a system. You have a dependency. We help you replace it with a process.

In numbers

Our work so far

2,000+
Business owners trained in our classes
500+
Businesses helped across industries
200+
Companies valued
100+
People in our team
Recognition

Trusted by owners, and by people we respect

Award

Excellence in CFO Services, 2026

Our firm received this award from Times Network in June 2026. We share the credit with the owners and the community who kept asking us better questions.

Our firm

Especia Associates LLP

The practice behind this work, with offices in Noida, Gurgaon, Mumbai, Hyderabad and Tokyo. Visit Especia

Community

A free learning group

Thousands of owners follow our free sessions, templates and compliance reminders. Everything we teach is tested with them first.

Endorsement

Why a coach to India's business owners sends them to us

Rahul Jain is one of the first business coaches in India. He has spent years helping founders build companies that can run without them.

He works with us, and he recommends our sessions to the owners he mentors. In this short video he explains why.

Rahul JainBusiness coach, and a pioneer of business coaching in India
In their words

What owners say after working with us

Profit grew to 2.2×

"My entire perspective towards the accounts department has changed. Now I actively monitor the key parameters I learned — they've been game changers."

Praveen GoyalDirector, Amasia Multigrain Pvt Ltd
Profit grew 1.5×

"I used to think I was growing, but I wasn't. After the program I gained clarity on cost-centre profits, withdrawable profit and the reports that matter."

Jasjeev KohaliDirector, JJ Bakery
Book-to-Bank clarity

"I always struggled to understand why there was profit in the books but not in the bank. The Book-to-Bank report helped us focus on what really matters."

Ravindra KondekarMD, KCP Gauging Technology Pvt Ltd
Questions

Questions people ask about us

Who are Harshil and Sajal?+
We are two Chartered Accountants and the founders of Especia Associates LLP. We teach Indian business owners how to understand their numbers, find the cash stuck in their business, and build a finance team that runs without them.
Are you qualified Chartered Accountants?+
Yes, both of us are qualified Chartered Accountants. Harshil is also a Registered Valuer and has led valuations for more than 200 companies. Sajal has over 20 years of experience in finance, taxation and compliance.
What is the Finance Control Framework?+
It is the simple monthly system we teach. It helps you keep clean books, see where your cash is stuck, know how much profit you can safely take out, and review your whole finance function in about 60 minutes a month.
Do you work with businesses in my industry?+
We have worked with manufacturing, retail, D2C, services and technology businesses. Cash flow, compliance and control problems look very similar across industries, so the system applies widely.
How can I learn from you?+
The easiest way to start is our free 90-minute class, held live on Zoom. You can also read our workbook, Business Ka Financial Mirror, or work with our team directly through one of our services.

Come and see how we teach

Join our free 90-minute class. No theory, no jargon — just a system you can start using the next morning.

Join the free class