Virtual CFO Services

Quick answer: Virtual Auditor provides part-time Virtual CFO services for start-ups and SMEs: budgeting, cash-flow forecasting, MIS, and board and investor reporting. The retainer starts from ₹25,000 + 18% GST per month; bookkeeping starts from ₹8,000 + 18% GST per month.

What is a Virtual CFO? A Virtual CFO provides part-time CFO services to companies that need strategic financial leadership but cannot justify a full-time hire ($150K-300K annual cost). Virtual Auditor's VCFO service covers: financial planning and budgeting, cash flow forecasting (13-week rolling), MIS dashboard creation, board and investor reporting, fundraising financial support, tax planning, and compliance oversight — led by CA V. Viswanathan with 14+ Years (Since 2012) of multi-industry experience. Starting from ₹25,000/month. Quick Answer: Virtual CFO Services — Virtual CFO by CA firm. Financial planning, MIS reporting, cash flow management, board deck preparation, investor reporting. For startups and SMEs. Starts from ₹25,000/month + 18% GST + govt fees.

Regulatory Framework

Regulatory basis: Companies Act, 2013. SEBI Regulations. FEMA. Income Tax Act. Startup India (DPIIT) Guidelines.

Scope of Services

P&L and Balance Sheet Review Cash Flow Forecast (13-Week Rolling) MIS Dashboard Creation Board Deck Preparation Investor Reporting Pack Budget vs. Actual Analysis Unit Economics Computation Compliance Calendar Tracking Tax Planning Advisory Fundraising Financial Support

Indicative Fee Structure

*Prices are indicative. Actual fees depend on complexity, capital structure, and regulatory requirements. Contact us for a detailed quote.

Virtual CFO vs Full-Time CFO

Engagement terms — reviewed 25 October 2026

• Fee: Virtual CFO retainer from ₹25,000 + 18% GST per month. Bookkeeping from ₹8,000 + 18% GST per month for up to 50–75 transactions a month; higher volumes are quoted.
• Extra / not included: Statutory filings (GST, TDS, ROC) are included only where the package says so.
• Turnaround: Monthly books closed within 10 working days of month-end when documents are received by the 5th.
• Who signs: The certificate is signed by V. Viswanathan FCA or another qualified Chartered Accountant of the practice, depending on the engagement.
• Entity: Engagement letter and invoice are issued by Virtual Auditor Private Limited.
• What to send first: Send bank statements, sales and purchase data, payroll, and the accounting software login.
• Next step: Send your enquiry on WhatsApp to +91 99622 60333; we confirm the scope, fee and timeline in writing before work starts.

Step-by-Step Process

Step 1

Onboarding and accounting system review

Step 2

Set up MIS dashboards and reporting templates

Step 3

Monthly P&L review and variance analysis

Step 4

Cash flow forecasting and working capital planning

Step 5

Board meeting financial presentations

Step 6

Investor reporting and compliance management

Latest Regulatory Updates (FY 2026-27)

This page reflects the Income-tax Act, 2025 (in force from 1 April 2026), the Finance Act, 2026, and the notifications and circulars of CBDT, CBIC, MCA, SEBI and RBI reviewed in November 2026. Virtual Auditor continuously monitors regulatory developments to ensure all advice and filings are current and compliant with the latest provisions.

When This Service Is Not Required

Virtual CFO services may not be required when: (a) the company has an in-house finance team capable of handling financial strategy, MIS, and regulatory compliance, (b) the business is a very early-stage startup with minimal transactions, (c) a full-time CFO has already been appointed, or (d) the company's financial needs are limited to basic bookkeeping without strategic advisory. Virtual CFO is ideal for companies between Rs 1 Cr and Rs 100 Cr revenue that need CFO-level expertise without full-time CFO costs.

If you are unsure whether your situation requires virtual cfo services, contact us for a free preliminary assessment. We will advise you honestly — including telling you if you do not need our services.

Documents Required

The following documents are needed to initiate the virtual cfo services process:

PAN card of the entity/individual, Aadhaar of the authorised person, proof of business address (rent agreement + utility bill), bank account details or cancelled cheque, Certificate of Incorporation or Business Registration proof, and any specific licences or approvals relevant to the engagement.

We provide a personalised document checklist after the initial consultation, tailored to your specific entity type and situation. Documents can be shared securely via email or our client portal.

What You Receive

Upon completion of the virtual cfo services engagement, you will receive: Engagement completion report, all filed forms/returns with acknowledgment receipts, compliance status summary, advisory note on observations and recommendations, and a forward-looking compliance calendar with upcoming due dates.

All deliverables are reviewed by CA V. Viswanathan (FCA, ACS, CFE, IBBI RV) before release to ensure accuracy and regulatory compliance.

Who Needs Virtual CFO Services?

This service is relevant for: (a) businesses at the stage of formation, expansion, or restructuring, (b) entities required to comply with specific regulatory or statutory obligations, (c) individuals or companies needing professional representation before authorities, (d) businesses seeking to optimise their tax or compliance structure, and (e) entities that have received notices or demands from regulatory authorities requiring expert response.

Government Portal and Online Filing

Filings for this service are submitted through the relevant government portal. We handle all online filings on your behalf, including portal registration, form preparation, document upload, and acknowledgment tracking. You do not need to navigate the portal yourself — we manage the entire digital interface.

What has changed in the law — reviewed October 2026

• Income-tax Act, 2025: assented to on 21 August 2025 and in force from 1 April 2026, it replaces the Income-tax Act, 1961 for tax year 2026-27 onward, and the Income-tax Rules, 2026 (notified 20 March 2026) replace the 1962 Rules. Section and rule numbers on this page are those of the 1961 Act and 1962 Rules, which continue to govern assessments, appeals and pending proceedings for assessment years up to 2026-27; for tax year 2026-27 onward the corresponding provisions of the 2025 Act apply, and our engagement letters quote both.