Where profit comes from
Margin by product, customer and channel.
All virtual cfo services
Virtual CFO
Finance Strategy
FinAura's virtual CFO works with founders on the financial side of strategy: where the business makes and loses money, what the cost structure allows, how growth will be funded and what each plan does to cash. The result is a short, numbered plan with owners and dates, revisited every month.
- Chartered Accountant-led
- Bangalore and across India
- Reply within one business day
What is covered
What Finance Strategy Covers
The money questions behind each strategic choice.
Cost structure
Fixed, variable and the costs that grow with you.
Growth funding
Profits, debt or equity, and in what order.
Cash impact
What each plan does to the bank balance.
Scenarios
Base, slower and faster cases worked through.
The plan
Numbered actions with owners and dates.
How the month runs
How It Works
Understand, test, decide, track.
Step 1
Understand
- Numbers reviewed
- Founders interviewed
- Margins mapped
Step 2
Test
- Options costed
- Scenarios modelled
- Cash impact
Step 3
Decide
- Plan agreed
- Owners named
- Targets set
Step 4
Track
- Monthly review
- Plan updated
- Course corrected
Your part
What We Need From You
- 01Two to three years of financial statements
- 02Current year's books
- 03Your growth ideas and constraints
- 04Time with the founders
Our part
What You Get
- A clear picture of where profit comes from
- Options costed in rupees, not adjectives
- A plan with owners and dates
- A monthly check against it
A common question
What does finance have to do with strategy?
Most strategic choices are financial in the end: which customers to serve, what to price, whether to hire ahead of revenue, when to raise money.
A virtual CFO puts numbers on each option so the decision is made on margin and cash, not on instinct alone.
See the monthly CFO reviewPlanOwned and tracked
OptionsCosted and compared
NumbersReconciled books
Who it is for
Who It Is For
Founders at a turning point
New market, new product, new funding.
Profitable SMEs
Deciding how to grow next.
Businesses with thin margins
Revenue growing, profit not.
Family businesses
Professionalising decisions.
The rules, in plain English
What the Law Asks of Your Books
Companies Act, 2013
Section 128
Every company keeps books of account that give a true and fair view of its affairs, at its registered office or another place the Board decides, and preserves them for at least the eight financial years before the current one.
Official source: mca.gov.inCompanies (Accounts) Rules, 2014
Rule 3
Books kept electronically must stay accessible in India at all times, with a daily back-up on servers physically in India. For financial years starting on or after 1 April 2023, the accounting software must keep an audit trail of every change that cannot be switched off.
Official source: mca.gov.inCGST Act, 2017
Sections 35 and 36
Every GST-registered business keeps its accounts and records at its principal place of business and retains them for 72 months from the due date of the annual return for that year, or longer while an appeal or proceeding is open.
Official source: cbic-gst.gov.inIncome-tax law
Books and tax audit
Businesses and professions above the prescribed limits must keep books of account, and a tax audit follows above further limits. The limits change from time to time, so we confirm which apply to you before the year starts.
Official source: incometax.gov.inThis is general information, not advice for your situation; we confirm what applies to you before any work starts.
Questions we get asked
Finance Strategy: Questions, Answered
Is this management consulting?
It is the financial side of strategy, done by Chartered Accountants who also see your books every month, so the plan rests on real numbers.
How long does the first plan take?
It depends on the state of the books and the questions involved; we agree a scope after a first call.
Do you stay involved after the plan?
Yes. The plan is reviewed monthly as part of the virtual CFO engagement, and changed when the facts change.
Do our books need to be clean first?
Reasonably. If they are not, we fix them first through our accounting team, because a plan on wrong numbers is worse than none.
Often Taken Together
All 10 Virtual CFO services01Virtual CFOCash Flow ManagementRolling cash forecasts, runway tracking and a view of what each hiring or spending decision does to cash.02Virtual CFOPricing and Margin DecisionsContribution by product, customer and channel, so price changes and discounts are decided on margin, not on instinct.03Virtual CFOBudgeting and Business PlansAn annual budget the team can own, with monthly tracking against it.04Accounting & FinanceManagement Reporting & BudgetingMonthly MIS, budgets, forecasts and dashboards built from reconciled books.05Startups, Setup & GrowthAdvisory & Special ProjectsDue diligence, restructuring, CMA data and family business advisory, scoped as projects.