CFO-level financial strategy, cash flow forecasting, and management reporting — from ICAI-qualified CAs at $300–$1,500/month. Access strategic financial leadership without the $10,000–$20,000/month local CFO cost.
Sharma Jyoti & Co provides virtual CFO services to US, UK, and Australian businesses at $300–$1,500/month. Our ICAI-qualified CAs deliver monthly management reporting, cash flow forecasting, budget-vs-actual analysis, and strategic financial input — giving growing SMEs CFO-level oversight at 95% less than the cost of a local CFO hire.
Most growing businesses hit a point where accurate bookkeeping is no longer enough — they need someone to interpret the numbers and help make better financial decisions. But a full-time CFO costs $120,000–$240,000 per year in salary alone. A virtual CFO from India closes this gap: you get experienced CA-qualified financial oversight, monthly strategy calls, and forward-looking financial modelling at a fraction of the cost — without headcount, benefits, or long notice periods.
Strategic financial oversight across planning, reporting, and decision support — delivered monthly.
Three ways to access CFO-level oversight — and the true cost of each:
| Full-Time Local CFO In-house hire |
Fractional CFO Local / US-based |
Virtual CFO — India (Sharma Jyoti & Co) |
|
|---|---|---|---|
| Monthly cost | $10,000–$20,000 | $3,000–$8,000 | $300–$1,500 |
| Annual cost | $120,000–$240,000 | $36,000–$96,000 | $3,600–$18,000 |
| Notice period | 1–3 months | 1 month | 30 days |
| Benefits / overheads | +30% (salary taxes) | None | None |
| Annual saving vs local CFO | — | $24,000–$204,000 | $102,000–$234,000 |
Retainer scope varies by business size and complexity. Get a quote →
The simplest way to understand the difference: a bookkeeper records and organises what has already happened. A virtual CFO uses those records to help you decide what to do next.
Bookkeeping is backward-looking — accurate records of revenue, expenses, and account balances. Virtual CFO work is forward-looking — cash flow forecasts, pricing models, hiring analysis, and strategic financial planning. Most growing businesses need both: clean books as the foundation, and CFO-level interpretation on top. We provide both as a bundled service for clients who want a complete finance function.
Our virtual CFO service is designed for growing businesses — typically with $500K–$10M in annual revenue — that are making consequential financial decisions and need qualified input. If you are relying on your bookkeeper to answer strategic financial questions, or making pricing, hiring, or investment decisions without a financial model behind them, a virtual CFO closes that gap at a cost you can justify from day one.
Clean monthly books are the foundation of CFO work. Most virtual CFO clients combine both services into one managed finance package.
Learn More →Accurate reconciled accounts are essential for reliable cash flow forecasting and management reporting.
Learn More →For businesses that want one person managing both day-to-day bookkeeping and regular CFO-level reporting.
Learn More →Year-end tax preparation support — clean management accounts from your virtual CFO feed directly into faster, cheaper tax compliance.
Learn More →Free discovery call. Scope and pricing agreed within 48 hours. No long-term commitment.
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