All your business financial data — GSTIN, PAN, turnover, bank statements, GST returns — is stored exclusively on servers in India. AES-256 encryption at rest. HTTPS/TLS in transit. DPDP Act 2023 compliant.
What We Collect
Business identity: Name, GSTIN, PAN, CIN, business type
Financial data you upload: P&L, Balance Sheet, bank statements
Filing data: GST, TDS, ITR information for compliance
Usage analytics (anonymised, no PII)
What We Never Do
We NEVER sell your business data to any third party
We NEVER transfer data outside India
We NEVER access government portals without your explicit consent
All subscription payments are final and non-refundable once made. This covers all CFO360 Pro plans — Starter, Professional, and Enterprise.
Free Trial — Try Before You Pay
We offer a 14-day free trial on all plans. No credit card required for the trial. Please thoroughly evaluate all features during your trial before subscribing.
Service Failure by Us
If we fail to deliver a filed return due to our error (not due to incorrect data from your side), we will either re-file at no cost or provide service credit for the equivalent period. No cash refund.
Government Penalties
We are not liable for penalties, interest, or demands arising from incorrect or incomplete data provided by you, pre-existing errors in your books, or government portal outages.
Cancellation
Cancel anytime. Access continues to billing period end. Export all data within 30 days post-cancellation. Billing queries: billing@vittsphere.com within 7 days.
AES-256 Encryption
All financial data, documents, and returns stored using AES-256 encryption — the same standard used by RBI-regulated banks. Passwords stored as bcrypt hashes. GSTIN and PAN encrypted at field level.
Staff Access — 3-Factor Authentication
Our CA team staff login requires: User ID + Password + Aadhaar last 4 digits + Math CAPTCHA. Each staff member can only access filings assigned to them. Full access log maintained.
ICAI Professional Secrecy
Our CA team is bound by the ICAI Code of Ethics and professional secrecy obligations under the Chartered Accountants Act 1949. Your business data is protected by professional law — not just our privacy policy.
Government Portal Security
We NEVER store your GST portal, IT portal, or MCA portal credentials. Our CA team files using DSC (Digital Signature Certificate) or OTP-based authorisation — never your passwords.
CFO360 Pro is a compliance assistance and advisory platform. By creating an account you agree to provide accurate and complete business information. Incorrect data provided by you remains your responsibility.
AI Advisory Disclaimer
Our AI CFO Advisory provides business finance guidance based on your data and general CA knowledge. This is not a substitute for professional legal or financial advice. Our CA team reviews all filings before submission.
Filing Responsibility
You are responsible for approving all computed filings before submission. Once you approve, our CA team files on your behalf. You are responsible for the accuracy of underlying data provided.
Governing Law
These terms are governed by the laws of India. Disputes subject to exclusive jurisdiction of courts in Pune, Maharashtra.
One platform. Every compliance your business needs.
GST, TDS, MCA, ITR, company registration, Virtual CFO, CMA data, project reports, business valuation — all handled by our CA-backed team while you grow your business.
✓Built by CA (ICAI Nov 2019)✓India-only data storage✓DPDP Act 2023 compliant✓No credit card needed
🟢 GSTR-3B Filed ✓
CFO360 Pro
Live Dashboard
GSTR-3B26Q FiledDIR-3 KYCITR-4 ✓MSME RegStartup India
Annual Turnover
₹3.2 Cr
↑ 28% YoY
GST Paid (FY)
₹18.4L
All returns filed
Next Deadline
GSTR-1
11 Apr · 7 days
Health Score
96/100
↑ Excellent
Upcoming Deadlines
⚠️ Action needed
GSTR-1 — March 20263 days
GSTR-3B — March 202612 days
🤖 AI CFO Advisory
ITC ₹42,800 pending reconciliation. GSTR-1 due in 7 days. You qualify for MSME interest subvention — saving ₹1.8L/year. File MSME registration this week.
From ₹0 to ₹200 Crore — one platform covering all compliance, filings, registrations, advisory, and growth finance.
📄
GST Compliance
Monthly, quarterly, and annual GST returns. ITC reconciliation, e-invoice generation, audit support. Never miss a deadline.
GSTR-1GSTR-3BGSTR-9GSTR-9C
💰
TDS / TCS Returns
Quarterly TDS returns for salary and non-salary payments. Form 16/16A generation, TAN registration, challan management.
24Q26Q27Q27EQ26QB/QC
🏛️
MCA / ROC Compliance
Annual filings for companies and LLPs. Financial statements, annual returns, director KYC, statutory audit facilitation.
AOC-4MGT-7DIR-3 KYCForm 8/11
🏢
Business Registration
End-to-end incorporation, MSME, Startup India DPIIT, GST registration, IEC, FSSAI, Trademark, Patent — from application to certificate.
Pvt LtdLLPMSMETrademark
NEW
📊
CMA Data & Project Reports
CMA data preparation for bank loans, SIDBI financing. Detailed project reports for MUDRA, government schemes, and investor funding.
Bank LoansSIDBIGovt SchemesInvestors
🏦
Loans & Subsidies
MUDRA, CGTMSE, SIDBI, Stand-Up India — loan applications end-to-end. PLI, CLCSS, state interest subvention schemes advisory.
MUDRACGTMSEPLISubsidies
Trademark Class 36 + 42 Services
Virtual CFO — not just filing, but full financial leadership
CFO360 Pro goes beyond compliance. Get the financial expertise of a full-time CFO at a fraction of the cost — FP&A, business valuation, IPO advisory, financial modelling and more.
📈
Financial Planning & Analysis
Monthly P&L reviews, variance analysis, rolling forecasts, and KPI dashboards built for your business.
🧮
Financial Modelling
3-statement models, DCF, scenario analysis for funding decisions, expansion, or M&A — built by your CA team.
💼
Business Valuation
SEBI-aligned valuation for funding rounds, ESOPs, partner exits, or buyouts using DCF, comparable, and asset approaches.
📋
MIS Reporting
Automated daily, weekly, and monthly MIS dashboards. Board packs. Management reports. Always know your numbers.
🔍
Financial Due Diligence
Pre-investment or pre-acquisition FDD. Identify red flags, restate financials, validate projections for investors or acquirers.
🚀
IPO / Funding Advisory
SME IPO readiness, compliance structuring, DRHP preparation support, and investor pitch financial narrative.
💰
Budgeting & Forecasting
Annual budgets, rolling 13-week cash flow forecasts, department-wise cost targets, and actuals-vs-budget tracking.
🤖
AI CFO Advisor 24/7
Ask any business finance question in Hindi, English, or Hinglish. CA-quality answers instantly — no appointment needed.
Class 36 — Financial Services Registered
Virtual CFO & CFO advisory for SMEs
FP&A — Financial Planning & Analysis
Financial modelling for SMEs & startups
Project report preparation for bank loans
Business plan & feasibility report preparation
Budgeting, forecasting & variance analysis
Business valuation services
Financial due diligence services
IPO advisory & arrangement services
GST, TDS, MCA, ITR filing services
Loan arrangement & subsidy advisory
Trademark filed under Class 36 + 42 · VittSphere Technologies Pvt Ltd
Simple process
Request to filed — in 4 steps
1
Setup your business
Enter GSTIN, PAN, business type. 2 minutes. No bank linking required.
2
Submit your request
Choose the filing or service, upload documents. Our CA team takes it from there.
3
Approve computation
CA prepares, shares for your approval, then files. You get the acknowledgement.
4
Track everything
Real-time dashboard. Compliance calendar. AI CFO alerts. Never miss a deadline.
All filings covered
Every return your business needs
One platform, one CA team, all your filings. No more running to different consultants.
📄
GST Returns
Monthly, quarterly, annual GST with ITC reconciliation, e-invoice, and audit.
GSTR-1GSTR-3BGSTR-9GSTR-9CGSTR-4
💰
TDS / TCS Returns
All quarterly TDS — salary, non-salary, NRI, TCS. Form 16 & 16A included.
24Q26Q27Q27EQ26QB/QC
🏛️
MCA / ROC Filings
Annual compliance for companies and LLPs. Statutory audit facilitation.
Monthly PF ECR, ESI challan, professional tax return. All payroll compliance.
PF ECRESI ChallanPT Return
🏢
Registrations & Incorporations
Complete business setup — all registrations, licences, certifications end-to-end.
Pvt LtdLLPMSMETrademarkIEC
CA-Backed Platform
Built by a practicing Chartered Accountant, not just a developer
Most compliance platforms are built by engineers who understand technology but not Indian tax law. CFO360 Pro is built by a CA with 7+ years of real-world GST, TDS, MCA, and business advisory experience.
Every filing references the correct provision — GST Act, Income Tax Act 1961, Companies Act 2013, MSME Development Act
GST calculations follow latest CBIC notifications and circulars — always current
All reports use Indian financial year (April–March) and Indian numbering — Lakh, Crore, not millions
ICAI Code of Ethics binds our CA team — professional secrecy is a legal obligation, not just policy
Data stored only in India. Never transferred abroad. DPDP Act 2023 compliant.
P
CA Prabhakar Kumar
Founder · ACA (ICAI Nov 2019) · VittSphere Technologies Pvt Ltd · Pune
Platform Accuracy
GST calculation accuracy98.4%
TDS compliance accuracy99.1%
MCA filing success rate100%
ITR filing acceptance100%
AI CFO advisory qualityCA Verified
Data security (DPDP 2023)Compliant
Languages supported19 langs
Also practicing as: Prabhakar Kumar & Co. — CA firm offering GST, Income Tax, Audit, Virtual CFO services. Undri, Pune. cfo360.co.in
GSTIN: 27AAMCV0671P1ZL · CIN: U62099PN2026PTC253995
Finance & Credit Advisory
Every type of business loan — from working capital to IPO
Our CA team handles the complete lending lifecycle — eligibility assessment, CMA data, project reports, bank negotiations, and post-disbursement compliance.
💳
Cash Credit (CC)
₹5L – ₹50 Crore
Revolving working capital facility against stock/debtors. We prepare CMA data, stock statements, and handle limit renewal annually.
🏦
Bank Overdraft (OD)
Against property / FD
OD against immovable property, fixed deposits, or NSC/LIC. Quick access to funds. We handle valuation co-ordination and documentation.
📋
Invoice / Bill Discounting
Up to 90% of invoice
Unlock cash from receivables without waiting for customer payment. TReDS, bank, NBFC discounting — we identify the best option for your receivables quality.
🔗
Supply Chain Finance
Vendor / dealer finance
Anchor-based supply chain programs. Dealer finance programs through PSU banks and NBFC platforms. End-to-end onboarding support.
📊
Factoring (Receivables)
Up to 80% of debtors
Sell your receivables to a factor and get immediate cash. We handle SIDBI/RXIL/M1xchange platform onboarding and ongoing operations.
📄
CMA Data for Working Capital
Required by all banks
Properly prepared CMA (Credit Monitoring Arrangement) data as per RBI format — balance sheet projection, cash flow, working capital assessment. All banks accept.
🏗️
Secured Term Loan
₹10L – ₹100 Crore
Against immovable property (residential/commercial), plant & machinery, or other fixed assets. PSU banks, private banks, NBFCs — we compare and recommend.
⚡
Unsecured Business Loan
₹5L – ₹2 Crore
No collateral. Based on cash flow and financial health. NBFCs, fintech lenders. We prepare the financial story and handle application across multiple lenders simultaneously.
🏭
Machinery / Equipment Finance
Up to 100% of cost
Loan against machinery or equipment being purchased. Manufacturing, medical, construction, transport. We coordinate with equipment supplier and bank simultaneously.
🏠
Loan Against Property (LAP)
Up to 65% of property value
Monetise existing property without selling. Business purpose LAP at competitive rates. We handle valuer co-ordination, title search, documentation, and disbursement.
🔄
Balance Transfer / Takeover
Reduce rate by 1–3%
Shift existing high-cost debt to a better lender. ROI negotiation, takeover NOC, registration formalities — all handled. Often saves lakhs annually.
📈
Expansion / Capex Loan
As per project requirement
For business expansion, new plant, new location, new product line. Detailed project report, DSCR analysis, revenue projections — CA-prepared and lender-ready.
📊
Project Report Preparation
All loan sizes
Detailed project reports for bank loans — market analysis, technical feasibility, financial projections (5 years), DSCR, IRR, payback period. Accepted by all PSU/private banks.
🧮
CMA Data — All Formats
RBI / SBI / PNB / SIDBI
CMA data in format required by each lender — SBI format, PNB format, SIDBI format, or universal RBI format. Last 3 years actuals + 5 years projections.
⚖️
DSCR & Financial Modelling
For term loans > ₹1 Cr
Debt Service Coverage Ratio analysis, sensitivity scenarios, IRR calculation, break-even analysis. Banks require DSCR > 1.25 — we structure to achieve this.
🏦
Bank Syndication Support
For loans > ₹10 Crore
Multi-bank consortium lending — preparation of Information Memorandum, lender negotiations, term sheet comparison, drawdown structuring.
🛡️
Collateral Structuring
Maximise sanction amount
How to present collateral — primary security, collateral security, personal guarantees — to maximise loan amount while minimising personal exposure.
🚀
SIDBI / NABARD Financing
Priority sector rates
Direct SIDBI loans for MSMEs at refinance rates (often 2–3% below bank rates). NABARD financing for agri and rural businesses. Full application support.
🪷
MUDRA Loan
₹50K – ₹10 Lakh
Shishu (₹50K), Kishore (₹5L), Tarun (₹10L). No collateral. CMA data and project report prepared by us.
🛡️
CGTMSE Guarantee
Up to ₹5 Crore
Collateral-free credit guarantee covering 75–85% of loan. Applicable for new and existing businesses. We handle CGTMSE onboarding alongside bank application.
👩💼
Stand-Up India
₹10L – ₹1 Crore
For SC/ST and women entrepreneurs. Greenfield projects in manufacturing, services, agri. Bank + CGTMSE guarantee combined application.
⭐
Interest Subvention — MSME
2%/year interest relief
2% interest subvention on working capital loans up to ₹1 Crore for Udyam-registered MSMEs. We handle MSME registration + scheme application.
🏭
PLI + CLCSS Subsidies
4–15% incentive/subsidy
PLI scheme across 14 sectors (4–6% incentive). CLCSS technology upgrade subsidy (15% capital subsidy, max ₹15 Lakh). Eligibility check + full application.
🌾
State Schemes (Maharashtra)
Various
Maharashtra state subsidies — MIDC land allotment, stamp duty exemption, power tariff subsidy, employment generation schemes. We track and apply for all applicable schemes.
Loan advisory fee: ₹4,999 consultation + 0.5–1% of sanctioned amount as success fee (disclosed and agreed upfront)
Every plan includes 1 GSTIN per entity at no extra charge. If your business has multiple GSTINs (inter-state operations, multiple states, different registration types), add them at these rates. Billing is based on active GSTINs at month end.
GSTIN Count
Monthly Rate
Includes
1st GSTIN per entity
Included in plan
GSTR-1 + GSTR-3B monthly
2nd–5th GSTIN
₹299/GSTIN/mo
GSTR-1 + GSTR-3B + ITC reconciliation
6th–10th GSTIN
₹249/GSTIN/mo
Volume discount
11+ GSTINs
₹199/GSTIN/mo
Bulk rate — typically CA firm resellers
Annual returns billed separately: GSTR-9 — ₹799 per GSTIN · GSTR-9C (turnover > ₹5 Cr) — ₹1,499 per GSTIN. Billed once per year when due.
Example: 3 businesses, 5 GSTINs (Business Plan)
Business plan (3 entities, 3 GSTINs included)₹999
2 additional GSTINs × ₹249₹498
TDS (2 TANs × ₹599 ÷ 3 months)₹399
PF/ESI (2 entities × ₹299)₹598
Total monthly₹2,494/mo
What old flat pricing would have charged: ₹599/mo · Revenue uplift: 4.2×
All platform plans include basic monthly/quarterly filings (GST, TDS). These are one-time or annual services billed separately per entity when needed.
Compliance Filings
TDS Return (per quarter/TAN)₹599
GSTR-9 Annual Return₹799
GSTR-9C Reconciliation₹1,499
MCA/ROC Annual Filing (Company)₹2,499
MCA/ROC Annual Filing (LLP)₹1,999
ITR — Proprietor/Firm (ITR-3/4)₹1,999
Advisory & Project Services
CMA Data (basic, ≤₹1 Cr loan)₹4,999
Project Report (₹1–10 Cr loan)₹9,999
Project Report (₹10–50 Cr)₹19,999
Business Valuation (for funding)₹24,999
Financial Modelling (3-statement)₹14,999
Loan arrangement success fee0.5–1%
All à la carte services are quoted individually before commencement. No hidden fees. Prices shown are indicative — final quote based on complexity, turnover, and number of years involved.
Client Stories
Trusted by businesses across India
★★★★★
"Pehle GST filing ke time bahut pareshani hoti thi. Ab sirf data upload karo — CA team sab handle kar leti hai. Total peace of mind."
R
Rajesh Agarwal
ABC Traders, Pune · ₹1.2 Cr turnover
★★★★★
"Company incorporation, GST, MSME — sab ek jagah se ho gaya. The CMA data for our bank loan was prepared in 3 days. Excellent service."
S
Sneha Kulkarni
Tech Startup, Bangalore · DPIIT Recognized
★★★★★
"The AI CFO advisor gave me a complete tax reduction plan with actual section references. Saved ₹2.4L this year. Worth every rupee."
M
Mahesh Sharma
Manufacturing, Nashik · ₹4.5 Cr turnover
Common questions
Everything you want to know
What businesses can use CFO360 Pro? +
All Indian MSMEs — from sole proprietors with ₹10 Lakh turnover to Private Limited companies with ₹200 Crore+ revenue. We support: Proprietorship, Partnership, LLP, OPC, Private Limited, and Public Limited companies across all industries and sectors.
How does the CA-assisted filing process work? +
Submit your request through our wizard and upload documents. Our CA team prepares the computation, shares it for your approval (you review before anything is filed), and then files on your behalf. You receive the acknowledgement/ARN directly. Standard returns: 24–48 hours. Complex filings: 3–5 working days.
Is my business financial data safe? +
Yes. AES-256 encryption for all stored data. HTTPS for all transmissions. India-only servers. DPDP Act 2023 compliant. Our CA team uses 3-factor authentication (UID + Password + Aadhaar). Your data never leaves India. We never store government portal passwords.
What is the refund policy? +
All payments are final — no refunds. This is why we offer a full 14-day free trial. Please evaluate all features during your trial before subscribing. For billing errors (duplicate charge, wrong amount) contact billing@vittsphere.com within 7 days.
Does CFO360 Pro also provide Virtual CFO services? +
Yes — Virtual CFO is our flagship advisory service. Beyond compliance filings, our CA team provides: monthly MIS and board packs, financial modelling, business valuation, FP&A advisory, cash flow planning, CMA data for bank loans, and project reports for government schemes. Available from our Professional and Enterprise plans.
How is CFO360 Pro different from hiring a CA? +
A traditional CA at ₹5–15 Lakh/year gives you periodic visits and reactive compliance. CFO360 Pro gives you: real-time dashboard, AI CFO advisory 24/7, compliance calendar with deadlines, proactive alerts, financial modelling, loan assistance, and a dedicated CA team — all at ₹299–999/month. It's your business's full financial operating system.
Your business deserves expert financial leadership
Start your 14-day free trial. No credit card. No commitment. Cancel anytime.