Board-level financial direction for growing businesses — monthly management information built on automated reconciliation, cash flow and working capital planning, lender and investor documentation, and tax strategy under the Income-tax Act, 2025 and the GST law.
Most growing businesses reach a point where the bookkeeping is being done but nobody is reading it. The accounts close six weeks late, nobody can say what a product line actually earns, the bank asks for projections at short notice, and tax planning happens in March. A full-time CFO solves this and costs a great deal more than the problem, at this stage, is worth.
A Virtual CFO engagement puts a practising Chartered Accountant into that seat on a retainer. We take responsibility for the monthly close, run it on automated reconciliation so it lands on a fixed date rather than whenever the books catch up, and bring the numbers to you in a form you can act on — with the compliance calendar running underneath it.
The Income-tax Act, 2025 came into force on 1 April 2026 and applies from Tax Year 2026-27 onwards. Filings for FY 2025-26 (AY 2026-27) continue to be governed by the Income-tax Act, 1961, including Forms 3CA, 3CB and 3CD. Our engagement letters and working papers reference both frameworks during the transition period.
Management accounts with gross margin, EBITDA, working capital cycle and cash burn, delivered on a fixed date each month.
Rolling cash flow forecasting, receivable and payable cycle management, and credit terms review.
Projected financial statements, CMA data, unit economics and scenario modelling for lenders and investors.
Direct and indirect tax planning and exposure review under the Income-tax Act, 2025 and the GST law.
Bank, GSTR-2B and ledger reconciliation run through automated pipelines, with exceptions escalated rather than buried.
Facility structuring, documentation for working capital and term loan proposals, and ongoing lender reporting.
One tracked calendar across GST, TDS, Income-tax, ROC and audit, with escalation ahead of each due date.
Books, contracts and statutory records organised so that a diligence request does not become a three-month project.
| Situation | What We Typically Do |
|---|---|
| MSME crossing ₹5 crore turnover | Institutionalise the monthly close, build the MIS, prepare the entity for a working capital facility |
| Startup preparing to raise | Financial model, unit economics, cap table hygiene, diligence-ready books |
| Group with multiple entities | Consolidated reporting, inter-company reconciliation, group tax position |
| Founder-run business with no finance head | Full outsourced finance function with a CA accountable for the numbers |
| Business under margin pressure | Product and channel profitability analysis, cost structure review, cash runway modelling |
Our Virtual CFO engagements suit companies that need dedicated financial leadership but do not require — or cannot justify — a full-time CFO salary. Typical clients include growing MSMEs, family-managed businesses expanding across India, and foreign-owned Indian subsidiaries needing group accounting reporting.
For multinational parent companies, we run the Indian subsidiary's finance function as an extension of head office, delivering monthly close in group format (HGB/US GAAP/IFRS). Read our dedicated guide on Virtual CFO for Foreign Subsidiaries in India.
Automation handles the volume: reconciliation across full transaction populations, data extraction from source documents, and the assembly of recurring reports. That is what makes a fixed monthly reporting date achievable at a retainer price point.
It stops at judgement. Every management account, projection, tax position and certificate is reviewed by the engagement Chartered Accountant before it is issued. Responsibility for the numbers sits with a named professional, not a system.
A bookkeeper records transactions. A Virtual CFO is accountable for what the numbers mean: profitability, cash position, funding readiness and tax exposure, with a practising Chartered Accountant answerable for the analysis.
Usually not. We more often sit above an existing team — setting the close process, reviewing the output and owning the reporting and compliance calendar. Where there is no team, we run the full function.
We work with Tally, Zoho Books and comparable systems, and build reconciliation and reporting pipelines around whichever the client already uses. We do not require a system migration to begin.
Virtual CFO work compounds; the first two months are largely clean-up. We generally recommend a minimum of six months so there is a reporting baseline to work against.
Related: AI & Finance Automation · Tax Audit & ITR Filing · GST Compliance
A scoping conversation on your current reporting, compliance position and what a retainer would cover.
