Build dashboards and reports your investors and bank will trust.
Finance Operating System
Virtual CFO Services for Indian SMEs — Expert-Led Financial Leadership
Not part-time advice. An in-house finance team, installed and run for you: an AI-ERP backbone, governed automation modules, and a live analytics layer, all orchestrated by a practising Chartered Accountant.
Regi Tom Antony, FCA · SME Advisory · powered by the Infodit AI-ERP and Business Analytics practice
The model: a three-layer stack
An in-house CFO delivers three things a part-time advisor cannot: control, efficiency, and insight. This model delivers all three by pairing the CFO brain with a platform.
Virtual CFO
Configures · interprets · decides · sits in your leadership meetings
orchestrates
Intelligence layer — Business Analytics
Real-time MIS and dashboards, 13-week cash forecasting, unit economics, anomaly detection.
Automation modules — governed workflows with controls built in
Each removes manual effort and embeds compliance.
Payments + TDS (live)Payables / APReceivables / AR + collectionsInventory + working capitalPayrollCompliance calendar
System layer — AI-ERP backbone
One source of truth: automated transaction capture, ledgers and reconciliations.
What an in-house CFO does — delivered, automated
| CFO responsibility | How the model delivers it | Your outcome |
|---|---|---|
| Cash management | 13-week forecast auto-fed from the ERP | Payroll is never a surprise |
| Payables and TDS | Maker-checker approval with correct TDS at source | No 40(a)(ia) disallowance or Section 201 interest |
| Receivables | Automated dunning plus a live DSO dashboard | Cash collected faster |
| Inventory | Stock and working-capital analytics | Cash freed from the shelf |
| MIS / board reporting | Live dashboards, not month-old spreadsheets | Decisions on real numbers |
| Compliance | Automated calendar across TDS, GST and ROC | No missed filings, no penalties |
| Strategy and fundraise | Analytics plus CFO judgement | An investor-ready data room |
How we roll it in
Step 1
Assess
A finance health check: where control, cash and data leak today.
Step 2
Automate
Stand up the AI-ERP and the modules your business needs first.
Step 3
Analyse
Live dashboards and a monthly CFO cadence on real numbers.
Step 4
Advise
Pricing, margins, funding and growth decisions, backed by data.
Who it's for
- SMEs with monthly turnover above Rs20L
- Companies preparing for bank loan or investor funding
- Founders transitioning to ERP and structured reporting
- Family businesses formalising governance
What we deliver every month
1
Monthly MIS pack — P&L, Balance Sheet, Cash Flow, KPI dashboard
2
Annual budgeting and rolling forecasts
3
Cash flow management and working capital planning
4
Banking relationships, CMA data and MSME credit
5
Board and investor reporting decks
6
Cost and profitability analysis by SKU / vertical
7
ERP oversight and finance team mentoring
Engagement tiers
Foundation
Virtual CFO Essentials
- •Monthly MIS and review
- •13-week cash flow
- •Advisory and planning
Most popular
VCFO + Automation
- •Everything in Essentials
- •Payments + TDS approval hub
- •AP and AR automation
- •Compliance calendar
Transformation
VCFO + AI-ERP + Analytics
- •Everything in Automation
- •AI-ERP implementation
- •Inventory and working capital
- •Business analytics engagements
AI-assisted, CA-governed. The workflow tracks approvals and produces payment-ready records; it does not move money.
Pricing
Starting Rs 15,000 / month
Transparent, fixed-fee engagements. No hidden surprises.
Request a QuoteFrequently Asked Questions
Related services
Guides & Resources
What a Virtual CFO does and when your business needs one.
Prepare your data room and financials before fundraising.
Further Reading
Read our complete guide: Virtual CFO Services for SMEs in India — scope, pricing benchmarks, deliverables, and signals that suggest your business is ready for fractional CFO support.
Ready to get started?
Book a free 30-minute consultation with Regi Tom Antony.
Book a Free Consultation