Is the VittSphere CFO Diagnostic really free?

Yes, the CFO Diagnostic is completely free. You get a full 7-page PDF report with no signup, no credit card, and no hidden charges. The tool is built by CA Prabhakar Kumar (ICAI Nov 2019) of VittSphere Technologies as a value-add to introduce MSME owners to professional CFO advisory.

How long does the CFO Diagnostic take?

The diagnostic takes 5 minutes if you have basic financial data ready (monthly sales, gross margin, debtors, inventory, cash). You can also upload your P&L, Balance Sheet, or Tally export and our AI Smart Fill will auto-extract the numbers in 30 seconds.

What financial metrics does the diagnostic analyze?

The diagnostic analyzes 13+ KPIs: Debtor Days (DSO), Inventory Days (DIO), Creditor Days (DPO), Cash Conversion Cycle, Cash Runway, Gross Margin, Net Profit Margin, Owner ROI, Break-even Gap, Customer Concentration Risk, Compliance Score, Growth Readiness, and Working Capital efficiency. It then runs a velocity-based scenario analysis showing how credit policy changes affect annual profit.

Who is this CFO Diagnostic designed for?

It's designed for Indian MSME (Micro, Small, Medium Enterprise) business owners with annual turnover between ₹10 Lakh and ₹50 Crore. Industries covered include Manufacturing, Trading, Hospitality, Retail, Services, IT, Healthcare, Construction, Transportation, Education, Agriculture, and more.

What is the Cash Conversion Cycle (CCC) and why does it matter?

Cash Conversion Cycle (CCC) = Debtor Days (DSO) + Inventory Days (DIO) − Creditor Days (DPO). It measures how many days your money is tied up between paying suppliers and receiving cash from customers. A lower CCC means faster cash rotation and higher profit on the same capital. The Indian MSME industry average is 45 days, but many businesses unknowingly operate at 150-300 days, causing severe cash crunch and limiting growth.

How is Working Capital calculated in this diagnostic?

We use the textbook-correct Operating Working Capital formula: WC = Debtors + Inventory − Creditors. This matches the Cash Conversion Cycle math (CCC = DSO + DIO − DPO). Cash is excluded because it's free buffer, not tied up in the operating cycle. This is the standard used by Corporate Finance Institute (CFI), Wallstreet Prep, and McKinsey for velocity-based scenario analysis.

Free CFO Diagnostic for Indian MSMEs

Business Diagnostic Input

Takes 5 minutes · Confidential · CA-built diagnostic

Business Name

Industry / Sector

Years in Business

Number of Employees

Owner Name

Mobile Number

Step 1 of 5

Annual Turnover (Rs.) *45 lakhs = 4500000

Monthly Avg Sales (Rs.) *

Gross Margin % *

Monthly Fixed Costs (Rs.) *

Owner Monthly Salary / Drawings (Rs.) *

Annual Net Profit (Rs.) *

Total Revenue Last 3 Years (Rs.) — optional

Annual Purchases / COGS (Rs.) — optional

Staff / Payroll Cost Monthly (Rs.) — optional

Rent / Lease Monthly (Rs.) — optional

Interest / Finance Charges Monthly (Rs.) — optional

Depreciation Annual (Rs.) — optional

Step 2 of 5

Total Outstanding Debtors (Rs.) *

Credit Period Given to Customers (Days) *

Total Creditors Outstanding (Rs.) *

Credit Period from Suppliers (Days) *

Total Inventory Value (Rs.) *

Total Loans Outstanding (Rs.) *

Total Owner Capital Invested (Rs.) *

Fixed Assets Value (Rs.) *

Overdue Debtors >90 Days (Rs.) — optional

Number of Active Debtors — optional

Secured Loan Amount (Rs.) — optional

Unsecured Loan Amount (Rs.) — optional

Step 3 of 5

Current Cash / Bank Balance (Rs.) *

Monthly Total Expenses (Rs.) *

GST Filing Status *

Top 3 Customers % of Revenue *

Payment Bounce/Delay Incidents (last 12 months) *

Monthly Loan EMI (Rs.) *

TDS Filing Status — optional

IT Return Filing Status — optional

Overdraft / CC Limit Available (Rs.) — optional

Overdraft / CC Utilised (Rs.) — optional

Average Monthly Cash Collection (Rs.) — optional

Largest Single Customer Revenue (Rs./yr) — optional

Step 4 of 5

Documents are optional but recommended. All files are kept strictly confidential. Files are sent securely to the CA for review alongside your form data.

Financial Statements

P&L Statement, Balance Sheet, Trial Balance, or Tally export (last 1-3 years). Accepted: PDF, Excel, CSV, JPG, PNG

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P&L Statement

Click or drag to upload

📊

Balance Sheet

Click or drag to upload

Bank Statements

Last 6-12 months bank statements for all operating accounts. This enables cash flow pattern analysis, bounce detection, and real collection velocity.

🏦

Bank Statement — Account 1

Last 6-12 months · PDF or Excel

🏦

Bank Statement — Account 2

If you have multiple accounts

GST & Tax Data

GST returns (GSTR-1, 3B), ITR, or Tax Audit Report. Helps assess compliance score and actual sales vs. reported figures.

🧾

GST Returns

GSTR-1 / 3B · PDF or Excel

📝

ITR / Tax Return

Last 2-3 years ITR

Tally / Accounting Software Data

Export from Tally, Busy, Zoho Books, or any accounting software. Direct data export gives the most accurate analysis.

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Tally / Software Export

Excel / CSV / PDF export from your software

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Debtors Ageing List

Outstanding receivables list

Additional Notes for CA (optional)

Any specific issues, concerns, goals, or context you want Prabhakar Kumar CA to know before the review.

Verify you are human:

7 + 3 = ?

Step 5 of 5

⚡ Credit vs Cash Scenario Planner

See exactly how your credit policy impacts total profit, cash rotation & working capital. Change the sliders — results update live.

Monthly Sales (Rs.) * 🔗 AUTOAuto-linked from P&L → Monthly Avg Sales. Change there to update.

Gross Margin % * 🔗 AUTOAuto-linked from P&L → Gross Margin %

Monthly Fixed Costs (Rs.) 🔗 AUTOAuto-linked from P&L → Monthly Fixed Costs

Working Capital Available (Rs.) 🔗 AUTOOperating WC = Debtors + Inventory − Creditors (CFI/Wallstreet Prep standard; cash excluded — it's free buffer not tied in cycle)

Adjust credit terms for each scenario:

Scenario A — Current (Credit Days) Days credit you give to customers today

Scenario B — Reduced Credit (Days) Target: offer small discount to incentivise

Scenario C — Cash/Advance (Days) 0 = advance or same-day payment

Discount offered for faster payment (%) Discount in Scenario B. Scenario C uses 2× this value (cash sales need more incentive)

⚡ Realistic Growth Capacity (operational ceiling) How many times your current sales can you realistically scale to? 1=no growth, 2=double, 3=triple. Limited by demand, capacity, team. Default 2x is conservative for most MSMEs.

Scenario Analysis

CFO Diagnostic Report

/ 100

Business Financial Health Score

Analysis based on your submitted data.

Profitability--

Liquidity--

Working Capital--

Growth Readiness--

12 KPI Diagnostic Report

Red = Critical · Amber = Needs Attention · Green = Healthy

Prioritised Action Plan

Fix in this order — each step funds the next

This diagnosis is free.
The cure needs an expert.

You now know exactly what is wrong and how much it is costing you — in rupees, not theories. In a free 30-min Strategy Call, we will build your 90-day roadmap to recover this value.

Book Your FREE 30-Min CFO Strategy Call

Zero cost · No obligation · Personalised roadmap for your business

WhatsApp: +91 72176 34981

Average response under 2 hours on business days

⏰

LIMITED: Only 5 free strategy slots remaining this month

Free consultation valid until [loading]. After this, paid consultations start at ₹2,500/hr.

What happens in your free strategy call

Deep-dive into your specific KPIs

We walk through every red metric in this report and tell you exactly why it's critical for YOUR business.

Custom 90-day fix roadmap

Week-by-week action plan tailored to your business. You leave the call knowing exactly what to do.

Honest assessment — fit or no-fit

If we're not the right CFO partner for you, we'll say so. No high-pressure pitch. Just clarity.

Prefer email or direct call?

✉ info@vittsphere.com 📞 +91 72176 34981

PK
CA

CA Prabhakar Kumar

Chartered Accountant (ICAI Nov 2019) · Founder, VittSphere Technologies
7+ years FP&A experience · 200+ MSME clients served · Pune-based

Choose Your Language

Know exactly where your business is bleeding money

Business Diagnostic Input

Financial Statements

Bank Statements

GST & Tax Data

Tally / Accounting Software Data

Additional Notes for CA (optional)

Business Financial Health Score

This diagnosis is free.
The cure needs an expert.

What happens in your free strategy call

Choose Your Language

Know exactly where your business is bleeding money

Business Diagnostic Input

Financial Statements

Bank Statements

GST & Tax Data

Tally / Accounting Software Data

Additional Notes for CA (optional)

Business Financial Health Score

This diagnosis is free.The cure needs an expert.

What happens in your free strategy call

📲 Share Your Score

This diagnosis is free.
The cure needs an expert.