FININTEL AI/ VIRTUAL CFO FOR INDIAN BUSINESSES
THE FINANCE
TEAM YOU
DON'T HAVE.
FinIntel AI sits above Tally, Zoho Books or your spreadsheets — and tells you what's going wrong, why it matters, and what to fix first. The analysis a full finance team would give you.
YOU HAVE THE
BOOKS. YOU
LACK THE CFO.
Between ₹5 Cr and ₹50 Cr turnover, most Indian businesses have Tally, an accountant, and a statutory auditor. What they don't have is someone explaining what the numbers mean — and what to do about them.
Cash runs out
A business can be profitable and still run out of cash because receivables, inventory and supplier cycles aren't visible month to month.
Margins leak quietly
Product-level margin compression is invisible on a P&L — it hides inside purchase prices, discount approvals and mix shifts.
Books don't advise
Tally records what happened. Nobody explains why it matters or what to do next. That's the gap a CFO fills — and what most SMEs can't afford.
FROM MESSY
LEDGERS TO
CLEAR DECISIONS.
Deterministic calculations produce the numbers. AI explains them — nothing is generated without evidence.
CONNECT
Tally, Zoho Books, or CSV. Sales, purchases, receivables, payables, inventory.
NORMALIZE
Map to a standard chart of accounts. Reconcile. Preserve source data and corrections traceably.
CALCULATE
Deterministic financial measures — revenue, margins, working capital, ratios — validated and reproducible.
DIAGNOSE
AI explains why a number moved, which products or customers drove it, and what it means for cash and profit.
PRESCRIBE
Ranked recommendations with impact, owner and deadline — written like a real CFO memo, not a dashboard.
Monthly Report · March 2025
CASH TIGHTENS
DESPITE
REVENUE GROWTH.
Cash in Jul
−₹8 L
90+ day AR
₹70 L
Fastest lever
Trigger 90+ day collections
Releases ~₹40–50 L in 60 days.
Receivables grew 22% YoY vs 8.2% revenue growth. 90+ day bucket rose from ₹38 L to ₹70 L. This locks ~₹105 L of working capital and drives the July cash shortfall.
SIX MODULES.
ONE WORKSPACE.
BUILT FOR INDIA.
Financial health
P&L, balance sheet, EBITDA, ratios, working capital — compared against prior periods and budget.
Cash flow & working capital
Month-by-month cash forecast, receivables aging, inventory days, and shortfall early warnings.
Transaction intelligence
Duplicate invoices, unusual prices, over-limit purchases — flagged with the reason and evidence attached.
Budgets & variance
Actuals vs budget by line, with the driver named — volume, price, cost, or mix.
Forecasting & scenarios
Base, optimistic and pessimistic forecasts. Test pricing, borrowing, capex — before committing.
Virtual CFO report
The monthly management note: what's happening, why it matters, ranked actions. Board-ready.
DON'T JUST
SHOW THE NUMBER.
PROVE IT.
Observation — what happened
Evidence — which accounts
Diagnosis — plausible causes
Implication — cash, profit, growth
Action — what to do next
The principle
Every AI conclusion is traceable to source transactions, period comparisons and a named owner of the next action.
FINDING THE
PROBLEM IS ONLY
HALF THE JOB.
Every finding ends with a ranked action, an owner, and a deadline — so management can act, not re-investigate.
Finding verified
Deterministic calculation confirms the discrepancy against source data.
Evidence attached
Accounts, periods and transactions that support the conclusion.
Action drafted
Ranked recommendation with expected impact and named owner.
Tracked to closure
Follow-up against previously agreed actions until resolved.
ONE WORKSPACE.
EVERY FINANCIAL
DECISION.
₹5–50 Cr
target turnover
6
analysis modules
5-part
insight format
Monthly
CFO report
AI EXPLAINS.
YOUR CA
DECIDES.
Not a replacement
FinIntel AI does analysis and advisory. Your CA remains responsible for statutory accounting, audit and tax filings.
Isolated data
Each company's data is isolated. Access is logged. Source files and reports are encrypted at rest.
Full audit trail
Every AI finding, evidence source and recommendation is recorded and reproducible.