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CA India
Swati K & Co. Chartered Accountants ICAI FRN 021392S

Accounts Outsourcing — Full BPO

Bookkeeping + payroll + statutory compliance + AP/AR + monthly MIS — one engagement, one point of contact, partner-reviewed monthly. The end-to-end finance back-office for SMEs that want to outsource the entire function.

What’s bundled

One engagement, one team, one retainer

The Full-BPO model is the bundled version of our outsourcing practice:

  • Bookkeeping — full ledger maintenance with monthly close.
  • Payroll — including statutory deposits and returns.
  • Statutory compliance — GST returns, TDS, PF / ESI, PT, ROC.
  • Accounts payable — vendor onboarding, invoice processing, payment-run preparation.
  • Accounts receivable — customer invoicing, dunning, collections support.
  • Monthly MIS — P&L, balance sheet, cash flow, KPI dashboards.
  • Audit support — year-end audit kit, statutory audit assistance.
  • Tax filings — ITR, TDS returns, GST annual returns.

One engagement letter, one monthly retainer, one partner-led team. The right pick for SMEs that don’t want to manage 4–5 different vendors.

Who chooses BPO

The classic BPO client profile

The classic BPO client profile:

  • SME with revenue ₹5–100 crore who finds it cheaper to outsource than to hire a 3–5 person finance team.
  • Founder-driven business where the founder doesn’t want to manage finance staff.
  • Indian subsidiary of a foreign company that wants Indian compliance handled professionally.
  • Family-owned business inheriting an under-resourced finance function.
  • Pre-fundraise companies that need a clean, audited-grade finance function for due diligence.
Team structure

The people who run your back-office

Each BPO engagement gets:

  • Engagement partner — signs off on every monthly close, presents to your board / investors.
  • Manager — day-to-day quality and exception handling.
  • Senior accountant — books, payroll, reconciliations.
  • Statutory team — GST, TDS, PF / ESI, ROC specialists.
  • Tax team — for ITR and tax planning.

The team works on your accounting platform and HRMS. We don’t move data to ours unless explicitly requested.

How we work

Onboarding through steady-state to annual cycle

  • Onboarding (4–6 weeks) — full transition: opening balances, system access, master data, cut-off discipline, escalation matrix.
  • Steady state — daily transaction processing, weekly internal review, monthly close + MIS + statutory deposits + tax filings.
  • Monthly governance call with the engagement partner.
  • Quarterly business review — performance against budget, working-capital review, action items.
  • Annual cycle — statutory audit support, ITR filing, ROC filings, AGM compliance, transfer-pricing study (if applicable).
Deliverables

What you receive each month & year

  • Closed monthly books on your platform.
  • Monthly MIS pack (P&L, BS, cash flow, KPI dashboard, variance commentary).
  • Payroll register and disbursement file.
  • All statutory challans and returns.
  • AP / AR ageing reports.
  • Quarterly tax review and MIS deck.
  • Annual audit kit, tax returns, statutory filings.
Pricing & engagement

How we charge

Monthly retainer scaled by company size. Indicative bands: 1–25 headcount + revenue <₹25 crore; 26–100 headcount + revenue ₹25–100 crore; 101+ headcount + revenue >₹100 crore. One-time onboarding fee covers the 4–6 week transition. Annual retainer revisions on growth.

FAQ

Common questions on Full-BPO

How is BPO different from Virtual CFO?

BPO is the back-office; Virtual CFO is the senior financial-leadership layer. Many clients take both — BPO runs the close, Virtual CFO runs the strategy, lender relationships and board reporting. We can structure as separate engagements or one bundled retainer.

Do we still need an in-house accountant?

Most BPO clients have one or zero in-house finance person, who acts as the company-side liaison. The need depends on transaction complexity and size. We can advise on the right in-house structure during onboarding.

What if we outgrow the BPO model?

Many clients eventually hire an in-house finance team and graduate to using us for compliance, audit and tax only. We pre-build the transition path so handover is smooth.

Will you sign confidentiality / non-compete?

Standard NDA at engagement start. Non-compete is uncommon for our practice but can be added on request.

Ready when you are

Talk to a partner.

A 30-minute call with a partner — no deck, no follow-up email blasts. Just a read on whether we’re the right team to run your full finance back-office.