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Free Invoice Generator for Indian Businesses 2026
Indian businesses issue invoices under the CGST Rules, 2017 — every taxable supply needs a tax invoice carrying the seller’s GSTIN, the buyer’s details, HSN/SAC codes, GST rate per line, and the place of supply that determines whether you charge CGST + SGST (same state) or IGST (different state). This generator builds that invoice live as you type, in a print-ready format that meets all CGST Rule 46 mandatory fields. No signup, no data leaves your browser, no monthly fee.
What Makes an Invoice GST-Compliant in India?
CGST Rule 46 lists 16 mandatory fields. This generator covers them all by default; you just fill in the values.
- Supplier name + address + GSTIN
- Consecutive serial number not exceeding 16 characters
- Date of issue
- Recipient name + address + GSTIN (if registered)
- HSN code (goods) or SAC code (services) — required from FY 2021-22 onward; 4-digit minimum below ₹5Cr turnover, 6-digit above
- Description of goods/services
- Quantity + unit of measure
- Total value (taxable amount)
- Discount, if any
- Tax rate (separate for CGST/SGST/IGST/UTGST/cess)
- Amount of tax charged
- Place of supply (state)
- Whether tax is payable on reverse-charge basis (most invoices: No)
- Signature of supplier or authorised representative
CGST + SGST vs IGST — When to Use Which
Intra-state supply (seller-state same as buyer-state): charge CGST + SGST, each at half the GST rate. On an 18% GST item that’s 9% CGST + 9% SGST. CGST goes to the Centre, SGST stays with the State. UTGST replaces SGST when the place of supply is a Union Territory without a legislature.
Inter-state supply (seller-state different from buyer-state): charge IGST at the full GST rate (18% on the same item). IGST is collected by the Centre and apportioned to the destination state. The generator auto-detects intra vs inter from the seller-state and buyer-state dropdowns and splits the tax accordingly.
HSN/SAC Codes — Required From 2021
HSN (Harmonised System of Nomenclature) for goods, SAC (Services Accounting Code) for services. CBIC notification 78/2020-CT made HSN/SAC mandatory on all invoices from 1 April 2021. Minimum 4 digits if your previous-year turnover was ≤ ₹5 crore; 6 digits if > ₹5 crore. For exports and B2B supplies above ₹5 crore turnover, 8-digit HSN is mandatory. Wrong or missing HSN can trigger a notice under section 122 — keep a saved HSN per product/service to avoid mistakes.
Invoice Format Examples
- B2B with GSTIN — buyer is GST-registered, claims ITC, your IRP filing (if > ₹5Cr turnover) must include this invoice
- B2C without GSTIN — buyer is end consumer, no ITC; e-invoicing not required
- Export invoice — set GST rate to 0% on each line; mention “Supply meant for export under LUT/Bond”
- Reverse-charge invoice — specific notified supplies (GTA, advocate); flag “Tax payable under reverse charge”; tool does NOT handle this case
Tax Invoice vs Bill of Supply vs Receipt Voucher
Tax invoice — issued by registered taxpayers for taxable supplies; charges GST; this generator’s output.
Bill of Supply — issued for exempt supplies (e.g. fresh produce, education) OR by composition-scheme taxpayers (turnover < ₹1.5Cr) OR by unregistered taxpayers; NO GST charged; buyer cannot claim ITC.
Receipt voucher — issued on receipt of advance payment before the supply is made.
Credit note — issued when invoice value needs to be reduced (sales return, post-sale discount, error fix). Must reference the original invoice number.
e-Invoicing Threshold — Who Must Use the IRP
Effective 1 August 2023, businesses with aggregate annual turnover above ₹5 crore must generate e-invoices via the government Invoice Registration Portal (IRP) for all B2B and export supplies. The IRP returns an Invoice Reference Number (IRN) and a QR code that must appear on the final invoice before issuing it to the buyer. B2C invoices are exempt regardless of turnover. This tool does NOT push to IRP — use Tally, Vyapar, Zoho Books, or Wendesk CRM for IRP integration. The threshold has been progressively lowered: ₹500Cr (2020), ₹100Cr (2021), ₹50Cr (Apr 2022), ₹20Cr (Oct 2022), ₹10Cr (Oct 2022), ₹5Cr (Aug 2023). Expect further lowering to ₹1Cr in coming years.
Common Invoice Mistakes That Trigger GST Notices
- Non-consecutive invoice numbers — invoice series must be continuous; gaps trigger questions
- Missing HSN/SAC codes — flat penalty under section 122 of CGST Act
- Wrong place of supply — charging CGST+SGST when IGST applies (or vice versa) creates ITC mismatches for the buyer
- Forgetting reverse-charge flag — RCM supplies need an explicit declaration on the invoice
- Late issue — services within 30 days of supply; goods at or before removal/delivery; banking 45 days; insurance within 45 days
- Incorrect GSTIN format — must be 15 characters: 2-digit state code + 10-digit PAN + 1-digit entity + 1-digit Z + 1-digit checksum
Invoice FAQs
Is this invoice generator free?
Yes. Completely free, no signup required. All computation happens in your browser; nothing is stored on Wendesk servers. Print to PDF via your browser’s print dialog (Ctrl/Cmd+P).
Are these invoices GST-compliant?
Yes — for the on-paper format. The generator includes all fields mandated by CGST Rule 46. For B2B invoices above ₹5 crore turnover, e-invoicing via the IRP is mandatory in addition — this tool does not push to IRP.
Do I need to be GST-registered to issue an invoice?
Mandatory registration: turnover above ₹40 lakh (goods) or ₹20 lakh (services) per FY, or any inter-state supply, or selling on e-commerce marketplaces. Voluntary registration allowed below threshold. Unregistered sellers issue a Bill of Supply instead of a Tax Invoice.
What’s the difference between tax invoice and bill of supply?
Tax Invoice: issued by GST-registered taxpayers for taxable supplies; collects GST from buyer. Bill of Supply: issued for exempt goods/services OR by composition scheme taxpayers OR by unregistered taxpayers — no GST charged, no ITC available to buyer.
How do I issue an export invoice (zero-rated)?
Set GST rate to 0% on every line item. Mention “Supply meant for export under LUT/Bond” or “Supply meant for export on payment of IGST” in the notes. Manual LUT filing on the GST portal is required separately.
Does this calculator handle reverse-charge mechanism?
No — RCM scenarios (specific notified services like GTA, advocate, security where the buyer pays GST instead of the seller) need a special “reverse charge applicable” marking and GST is reported by the buyer. Use a CA-grade accounting tool for RCM handling.
What is the e-invoicing threshold in India?
As of August 2023, businesses with annual turnover above ₹5 crore must generate e-invoices for B2B and export supplies via the IRP. The IRP returns an IRN + QR code that must appear on the invoice.
Can I save my invoices?
No — this is a single-invoice tool, browser-only, no persistence. Use Wendesk CRM or any accounting software for multi-invoice management with customer history.
How do I download as PDF?
Click the Print button — your browser’s print dialog opens. Choose “Save as PDF”. Print styles automatically hide the form / nav / FAQ and show only the invoice preview.
Does this support multiple line items with different GST rates?
Yes. Add as many line items as you need, each with its own HSN/SAC code, quantity, unit price, and GST rate (0%, 5%, 12%, 18%, 28%). The tax summary at the bottom groups by rate and shows the CGST+SGST or IGST split per rate band.
When to Use This Generator
- Freelancers + consultants — one-off project invoices without setting up an accounting subscription
- Small SMBs without accounting software — proof-of-concept invoices before you commit to Tally or Wendesk CRM
- Side-hustle businesses — handful of invoices per month
- Pro-forma invoices — quote-stage documents before order confirmation
- Template testing — see how your logo/colour/format will look before paying for software
Want to manage invoices at scale? Wendesk CRM gives you multi-invoice management with customer history, recurring invoices, GST filing exports, payment reminders, and PDF email automation. This generator is for occasional invoices; the full CRM is for businesses doing 10+ invoices a month.
Related Free Tools from Wendesk
- GST Calculator — quick CGST/SGST/IGST math for any amount
- EMI Calculator — for asset-purchase invoices financed via loan
- Income Tax Calculator — annual tax projection for your business income
- Salary Calculator — CTC to in-hand for your team