CA Payal Karnawat

CA Payal Karnawat

FCA, M.Com

Concurrent Audit Certificate Holder

Co-Operative & Societies Audit Certificate Holder


“Nothing is impossible” in life as the word itself says, “I am Possible.” Here is a Professional, a community welfare Activist, a Zealot by nature, a Mother, and a Lady who has this as her motto in life that made her excel in all aspects. A Chartered Accountant from Bhilai who's a perfectionist in her job and has a passion for everything she does. CA. Payal Karnawat, born and brought up in Amravati, moved to Bhilai when she tied the knot with CA. Naveen Jain. Like every other Indian Woman, though providing priority to Family, she has achieved the milestone of earning a lot in her career. She has been the Winner of the India 5000 women Achievers Award, 2021.

Her mother, Mamta Karnawat is her inspiration and of great support to her & her husband is her source of courage and strength that propels her to move ahead in life. She is a very calm and composed personality with such great people behind her, which has made her achieve all the goals she aspired.

Apart from being a professional, she is also a mother to two young girls Deesha and Deeksha, who are proud daughters of this CA couple. In this era of TV and mobile phones, these two young girls are more focused on sports and academics, which is a true accomplishment of their mother, who has that perfect work-life balance.

State topper in Class 12th and completed her Chartered Accountancy at the early age of 21 years in First attempt, Payal worked as Finance Manager at Idea Cellular Ltd. for one year. A role model to many women and students at large, she heads the Bhilai Branch of the Firm as a Head Partner since the year 2009. She has her specialization in Indirect Tax laws and hands-on experience in Direct Taxes, company audits, internal audits of banks, Public limited Companies, Maharatna Companies, and other private sector companies. She is also active in the Bhilai Branch of CIRC of ICAI and has been on the designated post in many committees in the Branch and Central India Regional Council of ICAI over the period. 

She is also a Faculty to CA. Students for courses held at Branches of ICAI and a CPE resource. A member of Niti Aayog, faculty for Career Counselling, Payal keeps on adding and updating herself to create the latest knowledge base for herself.

Payal is a true inspiration to all young women who think staying indoors is easier and managing work-life balance is a hectic job. She firmly believes that being a person with values is more important for every woman as that's what a woman passes on from generation to generation. Dedication towards work and zeal to complete it makes every situation possible is the idea behind every success she has achieved. Payal is amongst the core members of an NGO working religiously during Covid times for the arrangement of any kind of necessities right from food to medicines all over the country. An avid writer from the heart she writes poems and short stories and is been an editor to the writers on social platforms. She has been an awardee of Udaan Queen in the year 2017 in J.C.I. an organization for the benefit of society. An adherent person by nature Payal has also cleared the Diploma course in Jainology by Chennai Trust with flying colors coming in the top 3 in all the levels.

An all-rounder personality with a heap of knowledge and a strong want to be a person of values is what makes Payal an award-winning professional.