Virtual / Fractional CFO
Board‑quality financial strategy, MIS and cash‑flow management for growing SMEs — on a flexible engagement model.
Tax & GST Compliance
End‑to‑end direct and indirect tax compliance — returns, reconciliations, and departmental notice responses.
Finance Function Design
Building repeatable accounting processes, internal controls and reporting frameworks that teams genuinely use.
Profile
A chartered accountant and Virtual CFO with experience in strategic finance, FP&A and governance for small and medium‑sized enterprises across multiple sectors. This practice is founded on a straightforward belief: that structured, quality financial guidance should be accessible to every ambitious SME, not just large corporates.
Professional Background
- Virtual CFO — financial strategy, capital allocation, long‑range planning, board reporting and statutory compliance for SME groups.
- GM – Accounts & Finance — FP&A, product costing, MIS and tax compliance across a multi‑product manufacturing business.
- Earlier roles in audit, taxation and process optimisation with mid‑sized organisations across Mumbai.
Working Philosophy
- Translate strategy into simple, repeatable finance processes that teams can execute without constant hand‑holding.
- Prioritise clean documentation, predictable routines and timely compliance — so there are no unpleasant surprises.
- Prefer long‑term, relationship‑based engagements over transactional work; genuinely invested in client success.
- Believe a well‑run finance function is an enabler of business growth, not merely a statutory obligation.
Services
All services are provided in accordance with the professional and ethical requirements of the Institute of Chartered Accountants of India (ICAI).
Virtual / Fractional CFO
- Strategic planning and annual budgeting for SMEs.
- Monthly MIS, financial analysis and cash‑flow forecasting.
- Pricing, costing and profitability analysis for products and services.
- Board and investor‑ready financials and support during due diligence.
- Long‑range financial planning and scenario modelling.
Direct & Indirect Tax
- Preparation and filing of corporate and individual income‑tax returns.
- TDS compliance — computation, payment and quarterly returns.
- GST registrations, periodic returns and reconciliations (GSTR‑1, 3B, 2A/2B).
- Assistance with notices, assessments and departmental queries.
- Tax planning and structuring in the context of business decisions.
Finance Function Design & Controls
- Design and review of accounting systems and month‑end close processes.
- Support for statutory audits, internal audits and management reviews.
- SOPs and internal‑control checklists for key business processes.
- Risk identification with recommendations for mitigation and monitoring.
Business Set‑Up & Advisory
- Guidance on choice of business structure (proprietorship, LLP, company, etc.).
- Setting up basic finance and reporting frameworks for new businesses.
- Financial modelling and feasibility analysis for new projects or expansions.
- Coordination with legal and secretarial professionals where required.
Sectors & Situations
Sector experience directly informs how reporting frameworks, controls and decision‑support tools are designed for each client engagement.
Manufacturing & Agri‑Bio‑Tech
- Inventory and working‑capital management.
- Multi‑product costing and plant‑level profitability analysis.
- Capex planning and evaluation of investment decisions.
Services & NBFC‑Type Entities
- Revenue recognition and contract structuring.
- Regulatory sensitivity and reporting discipline.
- Internal‑control frameworks for high‑volume transaction environments.
Real Estate, Recreation & Shipping
- Awareness of sector‑specific risks and cash‑flow patterns.
- Project‑viability analysis and ongoing monitoring.
- Tailored MIS and reporting formats for promoters and boards.
Illustrative Situations
- Designing product‑wise costing models to support pricing decisions.
- Implementing focused dashboards for monthly performance reviews.
- Standardising documentation and controls for geographically spread operations.
- Assisting founders in preparing for first‑time statutory or bank audits.
Resources & Insights
Short, plain‑language notes for founders and finance teams, drawn from recurring themes encountered in practice — intended to help business owners make better‑informed decisions.
Finance for Founders
- Reading financial statements with a focus on decisions, not only compliance.
- Designing a basic monthly MIS that management will actually use.
- Embedding cash‑flow thinking into day‑to‑day operational routines.
Tax & Compliance Simplified
- Recurring GST and TDS issues commonly seen in SMEs.
- Why reconciliations and documentation matter as a business scales.
- Key statutory timelines and how to plan workflows around them.
Building a Finance Function
- Deciding what to keep in‑house and what to outsource.
- Defining roles, responsibilities and review rhythms.
- Getting more from accounting software and ERPs at each stage of growth.
Long‑Term Investment Discipline
- Understanding portfolio category structuring and asset‑class alignment.
- The role of consistent investment habits over market timing.
- Why a disciplined, long‑term approach typically outperforms reactive decision‑making.
Contact
To explore how a Virtual CFO or chartered accountant can support your business, or for discussions on specific engagements, please feel free to reach out.
Get in Touch
Name
CA Amogh Aidoor
Location
Mumbai, Maharashtra, India
Email
ca.amoghaidoor@gmail.com