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Virtual CFO Services
Monthly financial leadership without the cost of a full-time CFO.
Virtual CFO | Tax | Finance | Business Advisory
Your Business Deserves a CFO.Even Before You Hire One.
Financial clarity. Strategic control. Profitable growth. We help business owners improve profitability, control cash flow, make smarter financial decisions and build businesses that are ready to scale.
5.0 Google Rating0+ ReviewsKharadi, Pune
What a CFO actually does
Don't just know your numbers.Know what your numbers are telling you.
Most businesses have accounts. Very few have financial direction. A Virtual CFO reads the story behind the ledger — where margin is leaking, when cash will get tight, which decisions will actually move profit.
We turn financial data into business decisions.
Explore Virtual CFOCFO Dashboard
Live viewRevenue
₹0.00 Cr
▲ 24.8%
Gross Margin
0.0%
Operating Profit
₹0.0 L
▲ 11.2%
Cash Runway
0.0 Months
Revenue growth
Monthly EBITDA
EBITDA Margin
18.6%
Receivables
₹42.5 L
Cash Flow
+₹8.7 L
DSO
38 days
Services
Financial leadership, compliance and advisory under one roof.
02
Business Financial Strategy
Budgeting, forecasting, MIS and management reporting.
03
Cash Flow Management
Know where your money is going and how much cash you actually have.
04
Profitability Improvement
Identify leakage, improve margins and increase bottom-line profitability.
05
Tax Planning & Compliance
Strategic tax planning, GST, Income Tax and compliance support.
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Business Loans & Funding Advisory
Financial projections, CMA data, project reports and lender-ready documentation.
07
Accounting & Bookkeeping
Accurate books with management-focused financial reporting.
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Business Advisory
Practical guidance for owners making important business decisions.
Built for business owners
Wherever your business is today.
START
For startups & new businesses
→ Build the financial foundation
- Entity, registration & compliance setup
- Books, MIS and basic reporting
- Founder-friendly tax planning
SCALE
For growing businesses
→ Improve profitability & cash flow
- Cash flow forecasting & controls
- Margin and cost leakage analysis
- Funding & working capital readiness
GROW
For established businesses
→ Strategic CFO & financial leadership
- Board-grade MIS and dashboards
- Capital structure & expansion planning
- Long-term tax & wealth strategy
Why businesses choose PM Joshi & Associates
Experienced financial professionals
Practical business-focused advice
Tax & financial planning under one roof
Timely compliance
Business funding assistance
Personalized advisory
Transparent communication
Long-term business relationships
Client Reviews
Trusted financial advisory in Pune.
“Expert tax consultant. Helpful and good guidance from PMJ office.”
“ITR was filed well within time and the tax planning advice actually saved us money.”
“Very professional service and clear taxation guidance. The staff is helpful and responsive.”
Financial Clarity. Strategic Control. Profitable Growth.
Your Virtual CFO partner for smarter business decisions — so you can focus on growing the business.
Book a CFO Consultation