The problem this solves
Between an accountant who posts entries and a CFO who costs a senior salary, most growing businesses in Bhopal have nothing. The result is familiar: books are current but nobody reads them, cash gets managed from the bank balance, pricing decisions are made on gut feel, and a funding conversation exposes how little of the picture exists on paper.
A Virtual CFO engagement puts a Chartered Accountant in that gap on a monthly retainer — close enough to your numbers to be useful, without the payroll.
What the retainer covers
- Cloud accounting deployed and maintained on Tally Prime or Zoho Books, with role-based access for your team
- Monthly MIS — P&L against budget, segment or product-wise margin, debtor and creditor ageing, and the three or four numbers that actually drive your business
- Cash flow forecasting on a rolling 13-week basis, so a squeeze is visible before it arrives
- Compliance calendar owned by us: GST, TDS, ROC, PF and ESI, with responsibility for the filing, not just a reminder
- Monthly review call with the engagement partner to walk the numbers and agree actions
- Board and lender reporting in a form banks and investors accept
Where it earns its fee
Usually in three places. Working capital, where disciplined debtor follow-up and creditor terms release cash that was already yours. Pricing, where product-level margin data changes what you charge. And financing, where a lender that can read your numbers lends on better terms than one that cannot.
A Virtual CFO is not a bookkeeper with a better title, and it is not a statutory auditor — independence rules mean the same firm cannot both run your finance function and audit it. Where we act as Virtual CFO, your statutory audit goes to another firm, and we will say so upfront.