Day 5
board MIS in your inbox
P&L · BS · cash · KPIs · variance commentary
00 Practice · Virtual CFO
Numbers on
the 5th.
Decisions on
the 10th.
A traditional accountant tells you what happened last quarter. A Virtual CFO decides what happens next quarter. We sit on your side of the table — between the founders and the books — and run the financial machinery that lets a small leadership team operate with the same discipline as a listed company.
- Board-grade MIS
- 13-week cash
- Live KPIs
- Investor data room
- Multi-GAAP books
- Automated stack
01 The signal
If any of these
sound familiar —
it is time.
- 01
The last board meeting opened with someone reconciling two versions of the same number.
- 02
Month-end MIS still arrives somewhere in the third week — when the decisions have already been made.
- 03
Cash horizon is one quarter, maybe two, and the answer to 'what's our runway' takes a day to assemble.
- 04
Your last fundraise was harder than it should have been because the data room had to be built from scratch.
02 What changes in the first quarter
Three numbers move.
Everything follows.
13 wk
rolling cash horizon
Direct method · refreshed weekly with actuals
80%
faster month-end close
Python and UiPath replace manual reconciliation
03 Inside the Board Pack
Six artefacts.
Every month.
Without exception.
Built to be read on a phone in seven minutes, defended at a board table for ninety. Each tile below is a recurring deliverable — not a sample, not a one-off. The pack lands by the 5th, every cycle.
I Profitability
P&L with variance commentary
Line-level explanations of why every number moved against budget — not just that it did. Comparatives against plan, prior year, and rolling forecast.
II Position
Balance sheet & working capital
Working-capital movements explained, debtor and creditor days tracked, intangible additions reconciled. Audit-ready every month, not just at year end.
III Liquidity
Direct cash flow · 13-week
Receipts and payments modelled by named driver — collections, payroll, vendor payments, statutory dues. Scenario toggles for ad-spend, hiring, payment terms.
IV Unit economics
CAC · LTV · Payback · Margin
Channel-level economics modelled per business shape — SaaS, D2C, services, manufacturing. Payback computed honestly: not just blended, segmented.
V KPIs
Live operating dashboard
Power BI hooked directly to the ERP. Revenue, margin, AR ageing, AP commitments, headcount cost — visible the moment a transaction posts.
VI Decisions
Written decision log
Every board meeting closes with a decision log — what changed, who owns it, when it lands. The next meeting opens with the prior log on the screen.
"Most Indian growth-stage companies are flying with one quarter of visibility. A Virtual CFO engagement is, at minimum, four."
04 Operating Rhythm
The month, on
a fixed clock.
Once the engagement is live, the cadence is fixed and the team knows what to expect. Below is what an ordinary month looks like end-to-end. The clock does not slip.
- 01 Day 1–4
Close acceleration
Bank, ERP, and ledger reconciliation run automatically overnight. The team reviews exceptions, posts adjusting entries, hard-closes the period. No founder involvement required.
- 02 Day 5
Board MIS pack delivered
P&L, balance sheet, cash flow, and KPI dashboard land in your inbox by 6 PM. Variance commentary explains why every line item moved against budget — not just that it did.
- 03 Day 8–10
Board review
A 90-minute structured review with founders or the executive team. We do not present slides — we open the live dashboard and walk decisions: hiring, pricing, vendor terms, capital deployment.
- 04 Weekly
Cash flow refresh
The 13-week cash forecast is refreshed every Monday with the prior week's actuals. Material drift triggers an email; otherwise it sits in the dashboard for self-service.
- 05 Quarterly
Strategy & capital
A two-hour session covering the next quarter's operating plan, fundraise milestones, tax-efficient structuring, capital actions. Output is a written decision log, not a deck.
05 Who this is built for
Past product-market fit,
pre-public-markets.
Typically ₹2 crore to ₹150 crore in annual revenue, with one or more of these conditions in play.
Funded startups · Seed to Series B
You have institutional capital, a board that asks real questions, and one over-stretched controller plus a junior accountant. You need a CFO voice in board meetings without taking a 0.5–1.5% equity hit.
Founder-led SMEs preparing to scale
Annual revenue ₹10–80 crore, profitable, family-owned, considering a second product line, a fundraise, or a generational transition. The books are clean enough but operating reporting is non-existent.
Foreign parents with India subsidiaries
US, UK, or AUS-incorporated parent running an India captive or product subsidiary. You need finance ownership in the India timezone, GAAP-aligned reporting, and someone who handles transfer pricing and FEMA without translation.
Indian companies with foreign subsidiaries
Delaware C-Corp, UK Ltd, or Singapore Pte sitting under your Indian holding entity. Inter-company invoicing, multi-currency consolidation, and overseas tax exposure handled in one engagement.
06 Engagement Commercials
Fixed monthly,
billed in advance.
Ninety-day initial term, thirty-day notice thereafter. We do not bill hourly and we do not charge for ad-hoc calls inside the scoped cadence. The shape below is indicative — the actual proposal is built off the diagnostic.
| Stage | Indicative monthly retainer |
|---|---|
| 01 Early-stage startup < ₹5 cr revenue | ₹75,000 – ₹1,25,000 |
| 02 Growth-stage ₹5–30 cr | ₹1,50,000 – ₹2,75,000 |
| 03 Scale-up ₹30–150 cr | ₹3,00,000 – ₹5,50,000 |
| 04 Foreign subsidiary + overlay | + ₹50,000 / entity |
Diagnostic before commitment
Every engagement starts with a fixed-fee two-week diagnostic. If the output convinces you to continue, the diagnostic fee is credited against the first month's retainer. If it does not, you keep the diagnostic deliverables and we part ways cleanly.
07 Frequently asked
The four
we hear most.
- 01
When does it make sense to hire a Virtual CFO instead of a full-time one?
If your monthly revenue is under roughly ₹10 crore or your finance function is fewer than four people, a full-time CFO is usually overscoped — you pay senior salary for work that is 60% controllership and 30% reporting. A Virtual CFO engagement gives you the same strategic output at a fraction of the cost, scales as you grow, and converts cleanly into a full-time hire when the work genuinely needs one.
- 02
How is this different from outsourced bookkeeping?
Bookkeeping closes the past. A Virtual CFO engagement is forward-looking — forecasts, scenario models, capital allocation, and pricing decisions sit at the centre. We do oversee bookkeeping and statutory compliance through our team, but the deliverable you actually buy is the monthly board review, the cash forecast, and the strategic recommendations.
- 03
Can you support foreign entities and offshore operations?
Yes. We run finance operations for India-incorporated companies with US, UK, and Australia subsidiaries, and for foreign parents with Indian subsidiaries. Books on US or UK GAAP for the foreign entity, reconciled monthly to Indian GAAP. Transfer pricing documentation, multi-currency consolidation, and inter-company elimination are part of the standard pack.
- 04
Will you replace our existing CA, auditor, or tax consultant?
Not unless you want us to. The Virtual CFO function sits above compliance — we work alongside your statutory auditor and tax counsel, feeding them clean, audit-ready books and signing off on decisions that need CFO-level judgement. If you would rather consolidate, we can absorb statutory audit, ROC, GST, and tax filings into a single engagement through our other practice areas.
08 One conversation, before commitment
Replace the
quarter-visibility
with a year of it.
Thirty minutes with the partner. We hear the brief, walk you through how the engagement works, share the kinds of artefacts you'd see by Day 5 of the second month. No discovery forms, no junior triage.
Office
A1, B17, Kharar
Opp. Anaj Mandi, Chaudhary Hari Singh Nagar
Sector 115, Kharar, Punjab 140301, India
On record
- FRN
- 024234N
- Member No.
- 520555
- Practice since
- 2011