So the actual Dawaat pujas was done by men in the olden days but now since women are also studying and having a career, they too participate- sensible and logical I must say. Akin to Saraswati puja or Vishwakarma Puja or Ayudha puja the instruments of writing are honoured and given a break on this day.
The Kalam- dawaat (pen and ink) are reverred- with a teeka of roli and aepen (haldi + water).
The puja begins with the drawing of a swastik sign and writing the names of 5/7 Gods starting with 'Om Ganeshaye Nama' on a sheet of paper, Thereafter a statement of accounts is given- Income in Rs and Expenses for the next year (presenting the budget) in Rs which is presented in excess of the current year Income, followed by the name, address and date- all of which is presented to Chitraguptaji for His blessings.
The Chitragupta Katha is recited.
Incidentally this is the day the ladies perform the Bhai Dooj pooja- for the long life of their brothers .