Virtual CFO Services

Senior finance leadership, on a fractional engagement.

For founders and SME owners who need a CA-grade finance partner in the room every month — but not every day. We embed a senior team to run the books, set the budget, and present the numbers to your board, bankers, and investors.

Schedule a discovery call See engagement models

Who this is for

Three kinds of teams call us first.

Early-stage startups

Pre-seed to Series A founders who’ve hired a bookkeeper but not a finance lead. We run MIS, payroll, statutory liaison, and the data-room work for your next round — at a fraction of an FTE.

Growing SMEs

₹2–50 Cr revenue businesses where the founder is still the de-facto CFO. We take the close, the bank covenants, and the monthly review off your desk so you can run the business — not the spreadsheet.

Family businesses

Multi-generation firms looking for an independent finance voice — to professionalise reporting, separate owner draws from ops, set up controls, and prepare the next generation to take the books over.

What we do

Eight things on the desk every month.

The standard scope. We layer or trim depending on whether you’re raising, scaling, or stabilising.

/ 01

Monthly MIS & board packs

P&L, balance sheet, cash, cohort and KPI views — drafted, reviewed by partner, sent within 10 working days of close.

/ 02

Cash-flow forecasting

13-week rolling cash forecast with sensitivity bands — kept current, reviewed weekly with founder or finance lead.

/ 03

Budgeting & variance

Annual budget, quarterly re-forecast, and a variance commentary you can take into a board meeting without translating.

/ 04

Pricing & unit economics

Margin analysis by SKU, channel, customer cohort. CAC / LTV models for SaaS & D2C. Breakeven and contribution work.

/ 05

Statutory liaison

Single point of contact across your auditors, GST consultants, ROC filers and TDS team — they answer to us, not you.

/ 06

Fundraise readiness

Data-room build, financial model review, due-diligence response, term-sheet review — through to close.

/ 07

Banker / NBFC / investor relations

Quarterly bank reviews, covenant tracking, NBFC drawdowns and investor MIS — drafted by us, signed off by you.

/ 08

Internal controls

SOPs for AP / AR, vendor master, expense approval, payment authority and month-end close. Built once, reviewed yearly.

Engagement models

Three ways to plug us in.

The retainer is what most clients land on. The other two are for sharper, time-bound work.

Model

Most popular Retainer Ongoing fractional CFO

Project Defined scope, fixed term

On-call Ad-hoc partner access

Best for

SMEs & funded startups that need a steady finance voice — month after month, board after board.

Fundraises, ERP rollouts, M&A diligence, cost-restructuring — finite scopes with a clear deliverable.

Founders with an in-house finance team who want a CA-grade sounding board on tap.

Cadence

Weekly working calls, monthly board pack, quarterly strategic review.

Sprint-based — typically 4 to 12 weeks, with weekly checkpoints.

As-needed; one-business-day turnaround on most queries.

Billing

Monthly retainer, fixed for the year. Reviewed annually.

Fixed project fee, milestone-linked. No scope creep without a written change.

Hourly — minimum 4 hour block, billed monthly in arrears.

Typical scope

Full eight-capability list. Scope tuned to your stage every quarter.

One or two of the eight capabilities, scoped tightly to the deliverable.

Strategic Q&A, deal review, second opinions — not month-to-month execution.

Indicative price band

₹75k – ₹2.5L per month, by company stage and scope.

₹3L – ₹15L all-in, by length and complexity.

₹12k – ₹25k per hour, depending on the partner engaged.

Why fractional vs full-time

The trade-off, plainly stated.

A full-time CFO is the right answer eventually. Until then, here’s what changes when you bring in a fractional team instead.

Dimension

Fractional · UsVirtual CFO

In-house · FTEFull-time CFO

Annual cost

₹9L – ₹30L all-in. Scales up or down by quarter.

₹60L – ₹1.8Cr fixed, plus ESOP and benefits.

Time to impact

Onboarded in 30 days; first MIS pack in month two.

3–6 month search, 60–90 day notice, 90 day ramp.

Bench depth

Three partners across audit, tax and FP&A — you get all three.

One person’s domain depth; gaps filled by consultants.

Continuity

Firm-level continuity. The desk doesn’t resign on a Wednesday.

Single point of failure. Attrition averages 22–36 months.

Reporting independence

Independent of payroll politics — the read is unfiltered.

Reports to founder; sometimes harder to push back internally.

How we onboard

Four steps from handshake to steady-state.

/ Step 01

Discovery call

30 minutes with a partner. We listen, ask about your last close, your bank stack, and the next six months. No deck.

/ Step 02

Scoping doc

Within five working days — a one-pager with the model, scope, cadence, fee, and named partner. Signed before we start.

/ Step 03

30-day onboarding

Books migrated, chart of accounts cleaned, first MIS rebuilt from the trial balance up. SOPs for AP / AR locked.

/ Step 04

Steady-state delivery

Monthly close inside 10 working days. Weekly cash review. Quarterly strategy session. Year-end audit handed off clean.

Sample deliverables

What you actually get on email.

/ 01

MIS Dashboard

P&L vs budget, cash on hand, AR ageing, runway. One page. Updated by working day 10.

/ 02

Cash-flow Forecast

Rolling 13 weeks, scenario layered. Shown weekly on a working call — not buried in a Drive folder.

/ 03

Board Pack TOC

Six sections. Same shape every quarter so directors know where to look. Drafted by us, signed by you.

All examples anonymised for client confidentiality.

Lead partner

Who’ll be on the call.

Partner · Virtual CFO desk

CA Koushik Kumar Reddy P

ACA 10+ yrs practice Controllership track

Anchors the Virtual CFO desk. Spent the first half of his career inside the controllership team of a listed manufacturer — building the monthly close, owning bank covenants, and standing up the FP&A function. That bench shaped a virtual-CFO practice that thinks in journal entries first and slides last. Currently embedded with founder-led businesses across SaaS, D2C and light manufacturing in Bengaluru and Hyderabad.

[email protected] +91 6262 333 777 WhatsApp the desk

FAQ

Six things we get asked.

How is confidentiality handled?

Every engagement runs under an NDA signed before the discovery call — ours and yours. Working papers stay on encrypted firm storage; access is partner-restricted. We do not name clients in pitches, on social media, or in casual conversation. References are shared one-to-one with prospects only after written consent from the named client.

Is there a lock-in?

Retainers are billed monthly with a 30-day exit notice on either side. Project engagements are milestone-billed and end at the deliverable. On-call hours are pay-as-you-go. We don’t do annual lock-ins — if the fit isn’t right, exit terms are written into the scoping doc.

What’s the geographic reach?

We’re based in Chamrajpet, Bengaluru, and most clients are in Karnataka, Telangana, Tamil Nadu and Maharashtra. We run virtual-CFO engagements across India and have served NRI-owned entities in the UAE, Singapore, the UK and the US. On-site visits to your office are quarterly by default and more often by request.

Will you work alongside our existing accountant?

Yes — we frequently sit on top of an in-house accounts team or an existing GST consultant. The CFO desk owns the close, the reporting, and the strategic read; your accountant continues to own the day-to-day book-keeping. We document the split in the scoping doc so nothing falls between desks.

How do scope changes work mid-engagement?

A retainer is reviewed quarterly. If a fundraise, ERP rollout or large transaction lands mid-quarter, we issue a written scope-change note — new fee, new deliverable, signed before any extra work starts. No surprise invoices.

What are the exit terms?

30 days’ written notice on a retainer. We hand over a complete close to the date of exit — trial balance, working papers, SOPs, login matrix and a transition note for the incoming finance lead. Nothing leaves with us, and no engagement ends with a stranded book.

Ready when you are

Talk to a senior CA.

A 30-minute call with a partner — no deck, no follow-up email blasts. Just a read on whether we’re the right team for the next six months.

Schedule call Full contact page