19/08/2026
Virtual CFO Services for Growing Indian Businesses
Virtual CFO Services for Growing Indian Businesses
Senior financial leadership without a full-time hire. Monthly MIS, cash flow visibility, unit economics and compliance oversight — delivered by a chartered team that has worked with over 100 businesses since 2017.
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What Is a Virtual CFO?
A virtual CFO is an outsourced senior finance professional who takes on the strategic responsibilities of a Chief Financial Officer on a part-time or retainer basis, without joining your company as a full-time employee.A virtual CFO does not replace your accountant. Your accountant records what has already happened. A virtual CFO uses those records to answer forward-looking questions: whether your pricing sustains your margins, how many months of runway you have, which products or channels are actually profitable, and whether your working capital cycle can support the growth you are planning.The service is also known as an outsourced CFO, fractional CFO, or part-time CFO. The terms describe the same arrangement — senior financial judgement bought in units of time rather than as a salaried position.
Virtual CFO vs Full-Time CFO vs Accountant
Accountant / BookkeeperVirtual CFOFull-Time CFOMain question answeredWhat happened?What should we do next?What should we do next?Core workRecording, reconciliation, filingAnalysis, forecasting, controls, decision supportAnalysis, forecasting, plus internal leadershipEngagementMonthly, transactionalMonthly retainer, fixed scopeFull-time employeeTypical annual cost in India₹1–4 lakh₹3–12 lakh₹25 lakh and aboveBest suited toAll businesses₹2 crore–₹100 crore turnover₹100 crore and above, or funded scale-upsAvailabilityScheduledScheduled plus review callsDaily, in-house
Most businesses between ₹2 crore and ₹100 crore in turnover need CFO-level thinking but cannot justify a CFO-level salary. That gap is what a virtual CFO fills.
Signs Your Business Needs a Virtual CFO
You are likely ready for this service if any of the following is true:
Revenue is growing but the bank balance is not
You cannot say, with confidence, which product, SKU or channel makes the most profit
Your books are up to date but you still make decisions on instinct
Monthly numbers arrive late enough that they are history, not information
You are preparing to raise funds and need clean, defensible financials
A lender or investor has asked for projections you cannot produce
Compliance deadlines are handled reactively, and notices have started arriving
You are spending your own time on finance instead of on the business
What Our Virtual CFO Service Includes
Monthly MIS and Management Reporting
Every month you receive a reporting pack built on reconciled figures, not estimates:
Profit and loss with month-on-month and year-on-year comparison
Balance sheet summary
Cash flow statement
Segment-wise profitability — by product, channel, branch or client, depending on your business
Expense analysis with variance against budget
Receivables and payables ageing
A short written commentary explaining what changed and why
Cash Flow Forecasting and Working Capital Management
13-week rolling cash flow forecast
Receivable collection planning and follow-up discipline
Payable scheduling aligned to inflows
Inventory and working capital cycle analysis
Early warning on shortfalls, with time to act rather than react
Budgeting, Planning and Variance Analysis
Annual operating budget built with your team
Monthly actual-versus-budget comparison
Driver-level variance explanation — not just what missed, but why
Rolling forecast updates as conditions change
Unit Economics and Profitability Analysis
Contribution margin by product, SKU, service line or channel
Customer acquisition cost against customer lifetime value
Break-even analysis
Pricing review grounded in actual landed cost
Identification of loss-making lines that revenue growth is currently hiding
Financial Modelling and Fundraising Support
Three-statement financial models
Scenario and sensitivity analysis
Investor and lender reporting packs
Data room preparation and financial due diligence support
Term sheet and valuation input from a finance perspective
Compliance Oversight and Internal Controls
GST, TDS and income tax calendar oversight
ROC and statutory filing tracking
Documented approval and authorisation processes
Segregation of duties in payment and purchase cycles
Audit readiness maintained through the year, not assembled in March
Virtual CFO Services for Ecommerce and D2C Brands
Online businesses carry a financial complexity that general CFO services often miss. We built this capability first, and it remains our deepest specialisation.
For sellers on Amazon, Flipkart, Meesho, Myntra, Ajio and Nykaa, and for D2C brands on Shopify and WooCommerce, our virtual CFO engagement additionally covers:
Marketplace settlement reconciliation, with short-payments identified and pursued
True SKU-level margin after commission, shipping, RTO, returns and advertising cost
Blended and channel-level ROAS assessed against contribution margin, not revenue
Inventory planning, dead stock identification and cash locked in inventory
Multi-state GST implications of marketplace warehousing
Payment gateway and COD reconciliation across Razorpay, Cashfree, PayU and Stripe
Ecommerce founders frequently discover that their best-selling product is their least profitable one. Finding that out is the point of the engagement.
Ecommerce Accounting Services
Who We Work With
Indian businesses with operations or entities in the UAE, UK or USA
Startups preparing for or operating post-fundraise
SMEs and family businesses in a professionalisation phase
Ecommerce sellers and D2C brands
Manufacturers and traders managing inventory-heavy working capital
Service businesses, agencies and consultancies
How the Engagement Works
Step 1 — Discovery call. We understand your business model, current finance setup and the decisions you are struggling to make. No cost, no obligation.
Step 2 — Financial health review. We examine your existing books, reporting and compliance position, and give you a written summary of what is working and what is not.
Step 3 — Scope and pricing. You receive a defined monthly scope with named deliverables and dates. Pricing is fixed and stated upfront.
Step 4 — Onboarding. We set up the reporting structure, chart of accounts, and data flows from your accounting software, marketplaces and banks.
Step 5 — Monthly cycle. Reporting pack delivered by an agreed date each month, followed by a review call where we discuss decisions, not just numbers.
Step 6 — Quarterly strategic review. A deeper session covering budget performance, pricing, working capital and the next quarter’s priorities.
Engagement Models
ModelSuited toIncludesEssentialBusinesses under ₹5 crore turnoverMonthly MIS, cash flow tracking, compliance calendar, monthly review callGrowth₹5–50 crore turnoverEverything in Essential, plus budgeting, unit economics, variance analysis, quarterly strategic reviewStrategicFunded companies and fundraise preparationEverything in Growth, plus financial modelling, investor reporting, due diligence support
Pricing depends on transaction volume, number of entities and reporting complexity. Share your turnover and structure for a fixed monthly quote.
Why Businesses Choose Om Global Accounting & Advisory
Operating since 2017, with a team of 15+ finance professionals
Over 100 clients across 50+ cities in India, plus the UAE, UK and USA
Reconciliation-first approach — we do not report on numbers we have not matched
Deep ecommerce and marketplace specialisation
Works within your existing stack: Tally, Zoho Books, QuickBooks, Xero
Direct WhatsApp and call access, not a ticket queue
Fixed monthly pricing agreed in advance
Government MSME registered: UDYAM-RJ-17-0475651
Talk to a Virtual CFO
Tell us your turnover, your business model and the decision you are currently stuck on. We will tell you honestly whether a virtual CFO is the right answer for you.
📞 Call: +91 80944 44888 💬 WhatsApp: +91 80944 44888 ✉️ [email protected]
Frequently Asked Questions
What does a virtual CFO do?
A virtual CFO handles financial strategy, planning and oversight for a business on a part-time or retainer basis. The work covers management reporting, cash flow forecasting, budgeting, profitability analysis, internal controls and compliance oversight — the strategic layer above day-to-day bookkeeping.
What is the difference between a virtual CFO and an accountant?
An accountant records and reports what has already happened. A virtual CFO interprets those records to guide future decisions — pricing, cash planning, investment, cost structure and growth. Most businesses need both, and the two roles work together.
How much do virtual CFO services cost in India?
Fees typically range from ₹25,000 to ₹1,00,000 per month depending on turnover, transaction volume, number of entities and scope. This compares with ₹25 lakh or more annually for a full-time CFO. We quote a fixed monthly fee after
Virtual CFO Services in India | Om Global Accounting
Virtual CFO services for Indian startups, SMEs and D2C brands. MIS reporting, cash flow forecasting, unit economics and compliance oversight. Talk to us.