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CA Rinky Vishwakarma, Fellow Chartered Accountant
CA Rinky VishwakarmaFellow Chartered Accountant · SVT & AssociatesICAI No.: 177507
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Accounting Service

Virtual CFO Services: From Rs. 15,000 a Month, First budget and cash plan in 30 days

Virtual CFO Services, prepared and reviewed by a practising CA at an ICAI-registered firm, with a fixed fee confirmed in writing.

Starting priceRs. 15,000per month + GST
TurnaroundFirst budget and cash plan in 30 daysFixed fee in writing
What is includedCA-reviewedBooks, reconciliation, MIS
A virtual CFO is an outsourced finance head who handles budgeting, cash planning, MIS review, fundraising data and board reporting for a company that does not need a full-time CFO. SVT & Associates, an ICAI-registered CA firm, provides virtual CFO support from Rs. 15,000 per month plus GST on a monthly retainer.
★ 4.8 Google rating
20 years combined experience
1,000+ clients served
ICAI-registered firm
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Reviewed by CA Rinky Vishwakarma (ICAI No.: 177507) · Last updated

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CA Rinky VishwakarmaReviewed by CA Rinky Vishwakarma · ICAI No.: 177507
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1,000+
Clients served
20 years
Combined experience
4.8 ★
Google rating
UDIN
On every attest certificate
Who Needs This

When You Need Virtual CFO Services

In Detail

Virtual CFO Services: how it works and what to expect

What a virtual CFO does that an accountant does not

An accountant records what happened. A CFO looks ahead: how much cash will we have in thirteen weeks, can we afford to hire, what happens to margin if the biggest customer pays 30 days late. The retainer buys that forward view.

In practice the work is a monthly rhythm: close the books, review the MIS, update the cash forecast, compare actual with budget and agree two or three decisions with the founder. The CA is available between calls for specific questions.

Fundraising, lenders and board reporting

Investors and lenders judge a company by how fast it can answer questions. A maintained data room with monthly accounts, tax filings, contracts and a projection model makes diligence a matter of days, not months.

We prepare the projection model, the MIS format investors expect and the lender's working-capital documentation, while legal documents and valuation remain with your lawyers and valuers. The model and the books always agree, which is what diligence teams check first.

Accountant, bookkeeper and virtual CFO compared
RoleFocusLooks atTypical fee
BookkeeperRecordingPast, dailyRs. 1,500 a month
CA accountantReporting and compliancePast, monthlyRs. 3,500 a month
Virtual CFOPlanning and decisionsFuture, quarterlyRs. 15,000 a month

See also: MIS Reporting Services, Accounting for Fundraising and Due Diligence, Accounting Services for Startups.

What You Get

What Is Included

  • Annual budget and monthly variance review
  • 13-week cash-flow forecast
  • Monthly MIS and KPI dashboard
  • Working-capital and bank-limit planning
  • Investor reporting and data-room preparation
  • One scheduled call a month with the CA
Documents Required

Documents Checklist

  • Last two years' financial statements
  • Current year's monthly books
  • Bank sanction letters and loan schedules
  • Budget or business plan if it exists
  • Cap table and shareholder agreement for funded companies
  • List of key customers and suppliers with terms
How It Works

How It Works, Step by Step

  1. Diagnostic

    We review books, cash cycle and obligations

    Days 1 to 7
  2. Plan

    Budget, cash forecast and KPI set are agreed

    Days 8 to 21
  3. Set rhythm

    Monthly MIS and call schedule begin

    Day 30
  4. Review

    Quarterly deep review of budget and strategy

    Every 3 months
Sample Output

What Your Monthly Report Looks Like

Every client receives a short, CA-reviewed MIS. A free blank format is available to download with no sign-up: Monthly MIS report format.

Sample monthly MIS snapshot (illustrative figures, not a real client)
LineThis month (Rs.)Last month (Rs.)Comment
Revenue12,40,00011,10,000Up 11.7%
Gross margin31.5%29.8%Better purchase rates
Operating expenses2,95,0002,80,000Rent revision
Net profit before tax95,60052,300Margin improved
Closing cash and bank3,42,0002,60,000Collections on time
Debtors over 90 days74,0001,12,000Two accounts recovered
Transparent Pricing

Virtual CFO Services Fees: Fixed and Transparent

Fee breakdown for Virtual CFO Services
LineAmount
Our professional fee (per month + GST)Rs. 15,000
GST at 18%Rs. 2,700
Government or statutory feeRs. 0 (none for accounting work)
Total payableRs. 17,700
Monthly plans, by volume of work (fees before GST)
PlanBest forEntries a monthFee a monthWith 18% GST
StarterProfessionals, service firmsUp to 100Rs. 1,500Rs. 1,770
GrowthTraders, small manufacturersUp to 500Rs. 3,500Rs. 4,130
ScaleRetail, restaurants, e-commerce500+Rs. 7,500Rs. 8,850
Add-ons and one-time work (fees before GST)
ServiceFee
Payroll, up to 10 employeesRs. 1,000 a month
TDS accounting and returnsRs. 1,000 a month
Extra bank account reconciliationRs. 1,000 a month
MIS pack with commentaryRs. 2,000 a month
Backlog clean-up, up to 6 monthsRs. 4,999 one-time
Annual accounts and audit supportRs. 9,999 a year
Virtual CFORs. 15,000 a month

Fees are fixed in writing after we review one sample month. Accounting has no government fee; taxes you owe are paid directly to the government.

Client Reviews

What Our Clients Say

G
★★★★★
4.81,000+ clients · View on Google Maps
★★★★★

"Ever since my association, I am impressed with the professionalism and personal conduct of the firm. Clients are made to feel belonging."

RS
Rachana SinghBusiness Owner, Mumbai
★★★★★

"An extremely professional setup, very responsible to all our needs. Strongly recommend for taxation and accounting services."

AD
Abhishek DubeyEntrepreneur, Mumbai
★★★★★

"The best for auditing, finance, and budget analysis. Will consistently give the best possible solution, worth every penny."

MS
Mayur SinkarCFO, Startup, Mumbai
Your CA

Reviewed and Signed by a Practising Chartered Accountant

CA Rinky Vishwakarma, Fellow Chartered Accountant, ICAI No. 177507

CA Rinky Vishwakarma

Signing Chartered Accountant, SVT & Associates
ICAI No.: 177507Fellow CA – ICAI20 years combined experience1,000+ clients served

Fellow Chartered Accountant (FCA) with over 12 years of experience across Big 4 audit, investment banking and independent practice. Personally reviews each client's books and MIS before sign-off, and signs certificates in her capacity as a practising CA.

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FAQ

Frequently Asked Questions

When does a business need a virtual CFO?

Usually when turnover passes about Rs. 3 to 5 crore, when external funding or bank limits are involved, or when the owner spends hours on cash decisions that a finance head could make. Below that size, a good monthly MIS and a quarterly review may be enough.

Is the virtual CFO a person I can call?

Yes. The monthly retainer includes a scheduled call with the CA, written action points afterwards and responses between calls for specific questions. Larger engagements include a second call each month and attendance at board or investor meetings by arrangement. Calls are scheduled in advance on your preferred day.

Do you prepare financial projections for fundraising?

Yes. We build a monthly projection model for revenue, costs, cash and funding needs, linked to your actual books so the assumptions can be tested. Valuation opinions and legal term-sheet work are separate and are handled with the relevant specialists.

Who prepares and signs the work?

SVT & Associates is an ICAI-registered Chartered Accountancy firm. Every account is supervised and reviewed by CA Rinky Vishwakarma, Fellow Chartered Accountant, ICAI Membership No. 177507. Where a certificate or attest report is issued, it is signed by a practising CA and carries a UDIN.

How quickly can you start?

After a short consultation and receipt of your documents, onboarding usually takes three to five working days, and the first monthly books are delivered within seven days of receiving complete data. If a filing deadline is close, we handle that first and then complete the wider setup.

Is my financial data confidential?

Yes. As a Chartered Accountancy firm we are bound by the ICAI Code of Ethics on professional confidentiality. Your records are accessed only by staff working on your account, are shared through controlled folders or your own software, and are never given to third parties without your written consent or a legal requirement.

Which accounting software do you work in?

We work in your existing software, whether Tally Prime, Tally ERP 9, Zoho Books, QuickBooks or Busy, so you do not need to switch. Your licence and data remain yours at all times, and a full export of your books is available whenever you ask for it.

Are your fees fixed, and are there hidden charges?

Fees are fixed and confirmed in writing after we review one sample month of your data. Our fee and GST are shown on separate lines, and accounting has no government fee. Work outside the agreed scope, such as a backlog clean-up, is priced separately and agreed with you before it begins.

Do you serve clients outside Mumbai?

Yes. Most of our work is delivered online across India, using shared folders, your accounting software, video calls and WhatsApp. Our office is in Goregaon West, Mumbai, where local clients can meet the CA in person, but no visit is needed to start or continue the service.

Can I stop the service if I am not satisfied?

Monthly plans are not locked in, and you can end the service by giving us notice. You will receive your books, reconciliations and working papers in an exportable form. The Refund Policy linked in the footer explains how any advance payment is treated.

Related

Related Services and Pages

Accounting Services by a Practising CAHub: all services, cities and guidesMIS Reporting ServicesFrom Rs. 2,000Accounting for Fundraising and Due DiligenceFrom Rs. 3,500Accounting Services for StartupsFrom Rs. 3,500Tax Advisory ServicesITR, GST advisory, notices, NRI taxationNet Worth Certificate by a CACA-signed with UDIN

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Who signs and issues the work. SVT & Associates is a Chartered Accountancy firm registered with the Institute of Chartered Accountants of India. Accounting, MIS and tax work is prepared under the supervision of CA Rinky Vishwakarma (FCA, ICAI Membership No. 177507). Certificates and attest reports, where issued, are signed by a practising CA and carry a UDIN. Our role in online document collection and delivery is administrative; the professional opinion is the CA's. Fees are shown before 18% GST. We do not guarantee any outcome, approval or sanction by a bank, lender or authority.
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