ANY GST TAX EXPERTS HERE? ! ADSENSE AND PATREON INCOME

Hi to all the experts out there,

I've been really stressed for the past 2–3 months because I earn my income through content creation, Patreon, and YouTube.

My annual turnover is less than ₹20 lakhs, but I'm completely confused about the GST rules.

Some CAs are telling me that since my turnover is below ₹20 lakhs, I don't need GST registration. However, other CAs are saying that because my income is considered export of services, there is no threshold, and even if I earn just $1, GST registration is mandatory.

My current CA says it's still a debated topic, but recommends getting GST registration anyway so I don't have to worry about future issues, AS THE fine will be huge and it can cross my annual turnover so i panicked more..Not sure why i will be fined since i am not making any loss to govt as it comes under zerorated supply but he says he can be huge fine.

I'm already paying all my taxes and filing my ITR properly, but this GST confusion is causing me a lot of stress.

Now here's my main issue:

Even if I register for GST, my CA says I need an FIRC (Foreign Inward Remittance Certificate). All of my payments are received online I don't deal with cash at all. However, he still insists that I need an FIRC.

The problem is that Google AdSense and Patreon don't provide an FIRC. They told me to contact my bank instead.

I have a Current Account with SBI.

My question is:

• If I register for GST and file zero-rated exports, do I need to obtain an FIRC for every payment I receive?
• Can SBI issue it for AdSense and Patreon payments? and i have to go and collect it every month or they can send me every month without me asking it? How does it work?
• Is there anyone here who is a content creator or freelancer dealing with the same situation?

I'm honestly going crazy over this. 😅 At this point, I feel like shutting down my business and just getting a regular job.

Any genuine guidance would be greatly appreciated. Thank you!