Your Business Deserves CFO-Level Thinking — Without the Full-Time Cost
We help Indian SMEs, startups and family businesses with financial strategy, MIS reporting, cash flow planning, GST compliance and fundraising support — on a flexible retainer.
Who We Work With
We partner with businesses at every stage — from bootstrapped startups to established enterprises.
Startups & Funded Companies
Preparing for your next funding round? We handle investor reporting, financial projections and due diligence support.
SMEs & Family Businesses
Growing fast but no full-time CFO? We bring financial discipline, MIS dashboards and strategic oversight.
Foreign Companies Entering India
Setting up in India? We manage compliance, entity structuring, GST registration and ongoing financial reporting.
Founders Who Hate Numbers
Focus on building your business. We handle the numbers, deadlines, filings and financial decisions — you just review.
One-Stop Solution for All YourFinance & Accounting Needs
From daily bookkeeping to strategic advisory—we've got you completely covered.
Complete Finance Management
Full ownership of your financial operations—from bookkeeping to financial statements. We handle it all.
- Daily bookkeeping
- Month-end closing
- Financial statements
- Budget planning
Accounts & Compliance
Stay 100% compliant with all regulations. We ensure you're always audit-ready and stress-free.
- GST filing
- TDS returns
- Income tax compliance
- Statutory audits
Payroll Outsourcing
Complete payroll management so your team gets paid on time, every time, with zero hassle.
- Salary processing
- PF & ESI compliance
- Payslip generation
- Employee tax planning
Cash Flow Management
Real-time visibility into your cash position. Make informed decisions with confidence.
- Cash flow forecasting
- Working capital optimization
- Expense tracking
- Financial dashboards
Due Diligence Ready
Always investor-ready. Clean books, proper documentation, and transparent reporting.
- Audit preparation
- Investor reporting
- Data room management
- Compliance certificates
Dedicated Support
Your dedicated CA team is just a call away. Quick responses, proactive solutions.
- Dedicated account manager
- 24-hour response time
- Monthly review calls
- Strategic advisory
Not sure what you need? Let's talk and create a custom plan for your business.
What Our Clients Say
Trusted by businesses across India for financial clarity and strategic growth.
"Their Virtual CFO support gave us complete financial clarity and helped us scale confidently. Truly a game-changer for our business."
[Name withheld under NDA]
Founder, Technology Startup — Mumbai
"We finally have MIS reports we can actually understand and act on. Cash flow has never been better managed."
[Name withheld under NDA]
Director, Manufacturing SME — Rajasthan
"Responsive, deeply knowledgeable and genuinely invested in our growth. We consider them a core part of our team."
[Name withheld under NDA]
MD, Family Business — Gujarat
* Client identities are protected under confidentiality agreements. Testimonials are real and shared with permission.
Flexible Engagement Models
Choose a model that fits your business stage. No rigid contracts — just results.
Starter
Ideal for early-stage startups
- Monthly MIS report
- GST filing support
- 2 strategy calls/month
- Basic compliance calendar
Custom pricing — book a call to discuss your requirements.
Growth
Ideal for scaling SMEs
- Full Virtual CFO function
- Budgeting & forecasting
- Investor & board reporting
- Cash flow management
- 4 strategy calls/month
Custom pricing — book a call to discuss your requirements.
Enterprise
For larger businesses & special projects
- Custom scope of work
- Fundraising & IPO support
- M&A and transaction advisory
- International tax structuring
- Dedicated CA partner access
Custom pricing — book a call to discuss your requirements.
Free Resources for Business Owners
GST Compliance Checklist 2026
Complete month-by-month GST filing checklist with deadlines and penalty rates.
TDS Rate Card & Calendar
All TDS rates at a glance + quarterly due dates. Print-ready PDF.
Startup Finance Playbook
Step-by-step guide to setting up your finance function from Day 1.
About Virtual CFO Consultancy
Virtual CFO Consultancy is the client-facing advisory practice of NSRM & Associates — a firm of Chartered Accountants with offices in Mumbai and Bangalore, and an international presence in the UAE. We bring institutional-grade financial expertise to SMEs, startups and family businesses across India who need CFO-level thinking without the full-time cost.
Unlike large firms, we give you direct access to a senior Chartered Accountant — not a junior analyst. Our team has deep experience serving Indian and GCC businesses across manufacturing, technology, retail, financial services and international trade.
2018
Founded
Mumbai | Bangalore | UAE
Offices
Manufacturing, Tech, Retail, Services, BFSI
Sectors
India & Intl Taxation, CFO, Audit, Compliance, Advisory
Expertise
Meet Our Partners
Direct access to senior Chartered Accountants — not junior analysts.
CA Navratan Soni
Founding Partner & CEO
Chartered Accountant (ICAI) | B.Com
Navratan is the Founding Partner and CEO of NSRM & Associates with over 10 years of experience in Virtual CFO services, international taxation, business valuations and IPO/SME IPO advisory. He has previously worked with Chaturvedi & Shah, one of India's leading CA firms, before founding NSRM in 2018. He specialises in helping businesses expand globally and preparing companies for fundraising and public markets.
CA Rajat Kapoor
Co-Founding Partner
Chartered Accountant (ICAI) | LLB
Rajat is the Co-Founding Partner at NSRM & Associates, leading the firm's UAE and international practice. A Chartered Accountant and legal professional, he specialises in UAE corporate tax, VAT, Federal Tax Authority compliance, cross-border structuring and audit & assurance. He is a QuickBooks Certified ProAdvisor and leads the firm's GCC client relationships.
Certified & Recognized By
Get Started in Just4 Simple Steps
From first call to complete handoff—we make it incredibly easy to transform your finance operations.
Book Your Free Consultation
Schedule a 30-minute call with our team. We'll understand your business, current challenges, and specific needs.
Custom Plan & Onboarding
We create a tailored plan for your business. Our team seamlessly takes over your finance operations with zero disruption.
Meet Your Dedicated Team
Get introduced to your dedicated CA team who will be your partners in managing all finance and compliance matters.
Relax & Focus on Growth
That's it! Your finance operations are in expert hands. Get regular updates, insights, and proactive support.
Average onboarding time: 3-5 days. Most clients see immediate relief from day one.
Got Questions? We've Got Answers
Everything you need to know about outsourcing your finance & accounts
Services & Scope
We handle your entire finance department: daily bookkeeping, bank reconciliation, accounts payable/receivable, GST filing, TDS compliance & returns, income tax filings, annual MCA/ROC filings, payroll processing, PF/ESI compliance, financial statements, MIS reports, cash flow forecasting, budget planning, and audit support. From Starter itself, you get a complete outsourced finance & accounts function.
Getting Started
Security & Compliance
Still Have Questions?
Our experts are here to help. Get personalized answers in a free consultation.
Available Monday - Saturday, 11 AM - 8 PM IST
Latest from OurFinance Experts
Stay updated with the latest insights on finance, compliance, and business growth.
No blogs published yet. Check back soon!
Ready to get your finances under control?
Book a free 30-minute consultation with our CA partners. No commitment, no jargon — just honest, expert financial advice.