Numbers you can actually run a business on.
Cloud bookkeeping, board-ready MIS, payroll, virtual CFO services and strategic advisory — for founders, family businesses and mid-market companies who treat their numbers as a decision tool, not a tax return.
- Cloud Bookkeeping (Zoho, Tally, QuickBooks)
- MIS & Board Reports
- Payroll, PF, ESI, PT
- Virtual CFO Services
- Budgeting & Cash Flow
- Investor-Ready Financials
Bookkeeping is table stakes.
The real value is information.
Most accounting firms close your books and file your returns. That is the floor. The real value of an accounting partner is having financial information that helps you make decisions — at month-end, before a fundraise, ahead of a board meeting, when a customer asks for a discount, when a key employee asks for a raise.
We do both. The books get closed cleanly. The MIS lands in your inbox by the 7th. The cash flow forecast tells you when to defer that hire. The virtual CFO sits in your board meetings. That is the work behind the work.
Every accounting situation a business
actually faces.
From a startup's first ledger to a growth-stage CFO mandate — our accounting and advisory practice covers the full operational finance stack.
Cloud Bookkeeping & Day-to-Day Accounting
Cloud-based bookkeeping in Zoho Books, Tally Prime, QuickBooks Online, or your custom ERP — with all transactions categorised correctly, GST returns reconciled against the books, bank statements imported automatically, and month-end close completed by the 5th of the following month.
Includes vendor and customer master maintenance, chart of accounts setup, opening balance reconciliation (for new clients migrating from another firm), and the data-hygiene discipline that makes audit, scrutiny and investor diligence faster every cycle.
- Cloud-based daily bookkeeping
- Month-end close by 5th
- Bank, GST & TDS reconciliation
- Vendor / customer master & chart of accounts
MIS & Board-Ready Reporting
Monthly Management Information System (MIS) reports tailored to your business — revenue analysis (by product, geography, channel), gross margin walk, operating cost analysis, working capital metrics, cash-flow waterfall, and the leading and lagging KPIs that actually predict your next quarter.
For board meetings: investor-pack reporting with revenue cohorts, retention metrics, CAC and LTV (for SaaS / subscription), inventory turns (for product businesses), and a one-page CEO summary that lets the board ask better questions, not more.
- Monthly P&L, BS, cash-flow MIS
- KPI dashboard customised to industry
- Board-pack with investor cuts
- Variance analysis vs budget
Payroll & Statutory Compliance
End-to-end payroll: salary structure design (basic, HRA, special allowance, statutory deductions), monthly payroll processing, salary slip generation, EPF and ESI deposit, professional tax filings, gratuity provisioning, and the year-end Form 16 issuance with Section 80C declaration management.
For growing teams we manage joining and exit formalities, full-and-final settlements, leave encashment, bonus computation, and the labour-law compliance (Shops & Establishment, Minimum Wages, Maternity Benefit) that quietly accumulates as headcount grows.
- Monthly payroll processing
- EPF, ESI, PT, LWF deposits
- Form 16 & Form 12BA
- Joiners, leavers & full-and-final
Virtual CFO Services
For founders who need senior finance leadership but don't yet need (or can't yet afford) a full-time CFO — we serve as your virtual CFO. Monthly close oversight, board MIS, investor reporting, fundraise support (data room, due diligence response, investor Q&A), banking relationships, treasury management, and the strategic finance partnership that helps founders make better capital decisions.
Sit in your board meetings. Sit in your investor calls. Sit in your bank meetings. That is the level of engagement.
- Monthly close oversight & review
- Board MIS & investor reporting
- Fundraise & due-diligence support
- Treasury, banking & capital decisions
Budgeting & Cash-Flow Forecasting
Annual budgets built bottom-up — revenue plan by product, customer or geography; cost plan by function; headcount plan with timing; capex plan with payback. Reviewed quarterly. Adjusted as needed. Compared to actuals every month with variance commentary that explains what changed.
For cash-sensitive businesses: rolling 13-week cash-flow forecasts with sensitivity scenarios (best case, base case, downside) — so you know when to defer hires, accelerate collections, draw on your line of credit, or raise capital, before the runway shortens unexpectedly.
- Annual budget & quarterly review
- 13-week rolling cash forecast
- Scenario & sensitivity analysis
- Variance analysis with commentary
Investor-Ready Financials & Fundraise Support
Pre-fundraise: audited financials (or review-engagement financials for early-stage), 3-year financial model with cohort revenue assumptions, unit economics breakdown, cap-table waterfall under different dilution scenarios, and the bottom-up working files that investors actually verify during diligence.
During fundraise: data-room build, response to financial diligence questionnaires, investor Q&A coordination with the legal team, and term-sheet commentary on the financial covenants that often get overlooked until they bind years later.
- 3-year financial model
- Cap-table waterfall & ownership scenarios
- Data room build & management
- Diligence response & investor Q&A
Audit Preparation & Coordination
For companies above the audit threshold or required to be audited by statute — we prepare the audit working file, reconcile every schedule, document every accounting policy choice, prepare related-party disclosures, and coordinate with the appointed auditor through the audit cycle including audit observations, management responses and audit-trail clarifications.
For groups requiring internal audit (Section 138) or concurrent audit (banks, NBFCs) — we either deliver the audit ourselves (as a separate engagement) or support the appointed auditor with documentation discipline.
- Audit working file preparation
- Schedule reconciliations & notes
- Related-party & CSR disclosures
- Audit observations & responses
Any other accounting & virtual cfo
service you need.
The sub-practices above cover most accounting and CFO work. We also handle several specialist finance and operational engagements.
A short, non-exhaustive list of other services we routinely deliver:
- Inventory accounting & valuation
- Project cost accounting
- Foreign currency & AS-11 treatment
- Lease accounting under Ind AS 116
- Share-based payment accounting (Ind AS 102)
- Financial statement preparation under Ind AS
- Implementation of new accounting standards
- Internal control framework design
- Accounts payable / receivable management
- Vendor reconciliation & ageing analysis
- Revenue recognition under Ind AS 115
- Conversion to Ind AS from Indian GAAP
Don't see your specific need? Send us a brief description in writing — we will honestly tell you within 24 hours whether we are the right team for it.
A five-step engagement, designed for clarity.
Every accounting & virtual cfo engagement at Zfiling runs through the same disciplined workflow.
Consult
30-minute scoping call. Understand books quality, systems and goals.
Onboard
Migration to cloud accounting, opening balance reconciliation, chart-of-accounts setup.
Operate
Day-to-day bookkeeping, GST and TDS compliance, month-end close.
Report
MIS, board-pack, KPI dashboards by the 7th of every month.
Advise
Virtual CFO support — budgets, forecasts, fundraise, treasury.
Four ways to work with us on accounting & virtual cfo.
Fixed-fee for one-off engagements. Scaled by complexity or turnover. Monthly retainer for ongoing engagements. Every quote is shared up-front.
Includes month-end close, financial statements and standard MIS.
Includes Form 16 issuance and joiner / leaver formalities.
Includes monthly board call and investor reporting support.
Quoted at start of process based on round size and complexity.
Why should I outsource accounting instead of hiring in-house?
For early-stage and small businesses, in-house accounting often means hiring a junior accountant who handles data entry but cannot do the higher-value work — month-end close, MIS, GST and tax planning, audit preparation, fundraise support. Outsourcing gives you senior expertise at a fraction of the cost, with redundancy (no risk if one person leaves), built-in technology stack, and the discipline of monthly deliverables. Most founders make the switch back to in-house only when headcount crosses 100-150 or when finance becomes a strategic function in its own right.Which accounting software do you support?
We work in Zoho Books (our default for SaaS-friendly, multi-user, API-friendly accounting), Tally Prime (the industry standard for inventory-heavy and traditional businesses), QuickBooks Online (for businesses with US / international operations), and SAP / Oracle for larger groups. For specialised industries we work with their domain ERPs as well.How quickly can you close my books each month?
Standard month-end close completes by the 5th of the following month for clients with clean data. Includes bank reconciliation, GST reconciliation, TDS reconciliation, accruals, prepayments, depreciation, and management financial statements. For clients with incomplete or backlog data, the first three months are reconciliation-heavy; from month four onwards, the close lands by the 5th reliably.What is included in a Virtual CFO engagement?
A typical Virtual CFO engagement includes: senior oversight of monthly close and MIS, monthly board / leadership financial review (in-person or video), investor reporting and quarterly investor updates, banking and treasury relationship management, fundraise support (data room, diligence response, term-sheet commentary), tax-strategic decisions (with the tax team), and quarterly strategic finance reviews. Scope is shaped to your stage.When does a business need to start preparing audited financials?
A private limited company is required to be statutorily audited regardless of turnover. The auditor is appointed within 30 days of incorporation. For LLPs, audit is required only above prescribed turnover or contribution thresholds. Beyond statutory audit: investors typically require audited (or review-engagement) financials at Series A and beyond, lenders require audited financials for credit facilities above certain limits, and DPIIT-recognised startups can claim certain benefits with audit only at higher thresholds.How do you handle data security and confidentiality?
NDA-backed engagements as standard. Cloud accounting systems with role-based access controls — only the people who need to see your numbers can see them. Encrypted file sharing through a secure client portal (no email attachments for sensitive files). Periodic access reviews. Physical and digital security policies documented and reviewed annually. We treat your books with the same discretion we would want for our own.Can you help with our existing bookkeeper or in-house finance team?
Yes — we work in three modes: full outsourcing (we are the finance function), hybrid (we oversee the monthly close, MIS and statutory compliance while your team handles transactions), and review-only (your team does everything; we review monthly and quarterly). Choice depends on team capability, transaction volume, and your preference.What does board-ready MIS actually include?
Standard pack: monthly P&L (with prior period and budget comparison), balance sheet, cash flow, working-capital walk, revenue cohort analysis, KPI dashboard (industry-specific), variance commentary (what changed and why), and a one-page CEO summary. Investor-pack adds: cohort retention, CAC / LTV (SaaS), unit economics, fundraise progress, and forward look. Tailored to your industry and board's preferences.How long does it take to set up a fresh fundraise data room?
For a fundable, well-organised business — 2 to 3 weeks. The bottleneck is usually getting the historicals into shape (clean reconciled financials, working files that back to source documents, accounting policy documentation) and building the forward model. For companies with messier books, expect 4 to 6 weeks. We work alongside the founder and legal counsel throughout.What is the difference between accrual and cash accounting?
Accrual accounting recognises revenue when earned and expenses when incurred — regardless of when cash moves. Cash accounting recognises both when cash actually moves. Indian companies are required to follow accrual under the Companies Act. Cash basis is permitted for certain professionals under Section 44ADA but most businesses report on accrual. We default to accrual unless your specific situation calls for otherwise.How do you handle payroll for employees across multiple states?
We track state-wise applicability of Professional Tax (which varies — Maharashtra, Karnataka, West Bengal have it; Delhi, UP do not), state-wise Labour Welfare Fund (LWF) where applicable, and state-specific Shops & Establishment compliance. Payslips reflect the right state-specific deductions. For remote teams across many states, we maintain a state-applicability matrix that updates with legal changes.How does Zfiling charge for accounting and CFO services?
For routine bookkeeping — monthly retainer scaled to transaction volume and number of bank accounts. For payroll — per-employee per-month with statutory deposits included. For Virtual CFO — monthly retainer scaled to stage (seed, growth, late-stage). For one-off fundraise or audit support — fixed-fee per engagement. A senior advisor scopes every engagement personally.
Ready for numbers you can decide on?
The first 30-minute consultation is on us. A senior advisor responds within one business day.
+91 8338 981 953 · infoZfiling@gmail.com
U, Lower Ground Premise – 28, Road Fifty, DLF Phase III, Gurgaon – 122 010