Virtual CFO Services in India — A Finance Function Built and Run for Your SME
Our virtual CFO services in India give growing SMEs and startups a complete finance function — so when you hire a virtual CFO, you get more than 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.
In short: a virtual CFO service gives an SME the work of a chief financial officer without a full-time hire. You get monthly management reporting, cash flow forecasting, budgets, banking and investor support, and oversight of your accounts team and controls, delivered remotely across India on an agreed scope and led by a practising Chartered Accountant.
Regi Tom Antony's view
A virtual CFO earns their place in the first ninety days, not the first year. Start with a clean monthly close, a thirteen-week cash flow and one page of numbers the owner actually reads. Bank limits, fundraising and growth decisions all get easier once that rhythm is in place.
— Regi Tom Antony, FCA, Managing Partner, Regi Tom Antony & Associates (est. 1997). Former Group CFO/COO for OSRAM/Siemens, Westcon and Comstor regional operations.
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 section 35 (formerly 40(a)(ia)) disallowance or section 398 (formerly 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
AI-assisted, CA-governed. The workflow tracks approvals and produces payment-ready records; it does not move money.
How we engage
Scope-based fee, confirmed in writing
Fees depend on the nature and complexity of the work, number of entities and countries, transaction volume, reporting frequency, deadlines, and whether the engagement is ongoing or one-off. After an initial discussion we send a written engagement letter setting out the scope, deliverables, timelines and fee.
Virtual CFO services across India, delivered remotely
The work is delivered remotely, so location does not limit who we serve. We work with SMEs and startups in Bengaluru, Mumbai, Delhi NCR (including Noida and Gurugram), Hyderabad, Chennai, Pune and Kochi, as well as Indian subsidiaries of overseas groups. Monthly reviews run on video, documents move through a shared data room, and site visits are arranged where a stock count, a bank meeting or a board meeting needs them.
If you mainly need a senior CFO in the room for part of each month, see our fractional CFO services.
Further Reading
What is a virtual CFO? How a VCFO works for Indian SMEs — the meaning of the role, how it differs from fractional and outsourced CFOs and an accountant, typical scope, and the signals that your business is ready for one.
Ready to get started?
Book a 30-minute consultation with Regi Tom Antony.