Business Pulse Check — Free Financial Diagnostic | CFO Angle
Business Pulse Check — Free Assessment

Your CA gives you numbers.
We give you clarity.

15 questions. The kind a CFO asks in the first honest conversation with a founder. No jargon. No data lookup. Just a clear picture of where your business actually stands — and what to do about it.

15
Questions
5
Areas assessed
~12
Minutes
Free
No cost
This is not a compliance checklist. This is how a CFO looks at your business. Questions about cash, decisions, profitability, and control — the things your CA never brings up.
No textbook questions
Every question reflects a real business situation — not an audit checklist
Built for ₹15–200 Cr businesses
Already working with a CA but missing the strategic financial layer
Instant scored report
Area-by-area health check with specific gaps and a clear recommended next step
Question 1 of 15 Business & Pricing
CFO Angle — Business Diagnostic
Question 01
Select an answer to continue
What the diagnostic covers

Five areas a CFO examines.
That your CA never does.

The Business Pulse Check assesses your business across five financial and operational areas. Here is what each one covers, why it matters, and what a deeper engagement uncovers that this tool cannot.

Want the full picture?
The Business Pulse Check surfaces directional gaps. A paid diagnostic gives you rupee-quantified findings, a risk register, and a 90-day action plan your team can execute.
CFO Angle — Diagnostic Suite

Four levels of financial clarity.
One clear next step.

Your CA handles compliance. We handle the questions that actually run your business — profitability, cash, risk, and what to do next.

"This is not a compliance checklist. This is how a CFO looks at your business."
— CFO Angle
At a glance — what each tier includes
↓ Click any area
Lead magnet
Business Pulse Check
Free
~12 minutes
Starter
Financial Foundations Audit
₹50,000
5–7 working days
Comprehensive
CFO-Grade Business Diagnostic
₹3,00,000
3–4 weeks
Taxation Review
Surface flags
GST, TDS, ITC
Full 5-year assessment
Taxation Review
How each tier addresses your GST, TDS, income tax, and structural tax efficiency — from surface awareness through to full 5-year optimisation.
Free
Business Pulse Check
  • Surface-level flags on tax awareness
  • Questions on whether tax is actively reviewed vs delegated
  • No detailed tax analysis — directional only
₹50,000
Financial Foundations Audit
  • GSTR-2B reconciliation vs purchase register — ITC gap quantified
  • GST RCM (Reverse Charge Mechanism) review — short paid liability identified and quantified across applicable expense categories
  • TDS deduction rate audit across all payment categories — 2-year review
  • TDS deposit and filing timeline — interest & penalty exposure calculated
  • Advance tax position — underpayment risk assessed
  • GST filing status — GSTR-1 vs GSTR-3B variances identified
₹1,00,000
Strategic Financial Diagnostic
  • Everything in Foundations Audit, plus:
  • Sales invoice documentation review — all prescribed heads (GSTIN, HSN/SAC, tax breakup, place of supply, reverse charge applicability) verified for compliance and litigation risk
  • Previous year GST Annual Return (GSTR-9 / GSTR-9C) review — discrepancies between annual return and monthly returns identified, gaps that could trigger scrutiny or litigation flagged with corrective action
  • 3-year effective tax rate analysis — statutory vs actual rate explained
  • Entity structure review — tax efficiency of current setup assessed
  • Salary vs dividend vs director remuneration — optimisation modelled
  • Specific tax planning opportunities identified with rupee estimates
  • Deferred tax position reviewed and clarified
₹3,00,000
CFO-Grade Business Diagnostic
  • Everything in Strategic Diagnostic, plus:
  • Weekly notice tracker management — all GST, income tax, and other regulatory notices logged, response deadlines monitored, and status updated weekly throughout the engagement
  • 5-year complete tax position review including open assessments
  • Tax litigation mapping — all notices, appeals, and demands tracked with rupee exposure quantified
  • Group holding structure — exit mechanics and tax efficiency modelled
  • Related party transaction review for tax and transfer pricing compliance
  • Exit tax scenario modelling under current vs restructured arrangement
Accounting Hygiene
Awareness only
Bank rec, ledger, CoA
Institutional quality
Accounting Hygiene
How each tier addresses the reliability, currency, and management value of your financial records — from basic awareness to institutional-grade reporting.
Free
Business Pulse Check
  • Questions on whether CA reports are read and acted on
  • Awareness check on liability visibility
  • Confidence check on reported profitability accuracy
₹50,000
Financial Foundations Audit
  • Bank reconciliation — open items counted and aged
  • Chart of accounts — structure, classification quality reviewed
  • Ledger hygiene — mispostings, suspense balances, duplicate entries
  • Founder cost normalisation — compensation and personal expenses separated
  • Gross margin and EBITDA recalculated on normalised basis
  • MIS format designed — monthly management reporting cadence established
₹1,00,000
Strategic Financial Diagnostic
  • Everything in Foundations Audit, plus:
  • Segment P&L — profitability by product, geography, customer type
  • Management accounts vs statutory accounts — full reconciliation
  • 8-quarter trend analysis on all major P&L lines
  • Reporting reliability assessment — confidence score per line item
₹3,00,000
CFO-Grade Business Diagnostic
  • Everything in Strategic Diagnostic, plus:
  • Audit opinion review — 3-year qualification history analysed
  • Contingent liabilities — all off-balance-sheet items mapped
  • Multi-entity consolidation — group accounts reviewed
  • Institutional-grade chart of accounts redesigned if needed
  • Financial statements reviewed from investor scrutiny perspective
Compliance Mapping
ROC, PF, ESIC, licences
360° incl. FEMA/RBI
Compliance Mapping
How each tier reviews your statutory and regulatory obligations — from not covered in the free tier through to a complete 360° compliance map including FEMA and RBI requirements.
Free
Business Pulse Check
Not covered — compliance is a paid tier assessment.
₹50,000
Financial Foundations Audit
  • ROC / MCA filings — annual returns, financial statements, director KYC
  • PF and ESIC — calculation basis, deposit timelines, return filing status
  • Professional tax — applicability, deposit, and filing review
  • Statutory licences — shops act, FSSAI, MSME, trade licence currency
  • Compliance calendar built — internal ownership assigned to every deadline
₹1,00,000
Strategic Financial Diagnostic
  • Everything in Foundations Audit, plus:
  • Full compliance risk register — all items rated Critical / Moderate / Advisory
  • Labour law applicability — Shops Act, Contract Labour, POSH reviewed
  • Penalty and interest exposure — quantified for each open compliance item
  • Director liability assessment — personal exposure mapped
₹3,00,000
CFO-Grade Business Diagnostic
  • Everything in Strategic Diagnostic, plus:
  • FEMA compliance — foreign investment, ECB, remittance obligations
  • RBI compliance — NBFC, lending, forex obligations where applicable
  • Multi-entity group compliance — consolidated compliance map
  • Related party compliance — disclosure and approval framework
  • Pre-investment compliance clean-up — investor due diligence ready
Business & Margins
Directional only
Gross margin, cost trends
ROCE, WACC, op. leverage
Business & Margins
How each tier examines your commercial model, pricing structure, profitability drivers, and unit economics — from surface-level questions to full ROCE and operating leverage analysis.
Free
Business Pulse Check
  • Pricing process — how pricing decisions are currently made
  • Profitability awareness — confidence in knowing most profitable product or customer
  • New business evaluation — whether profitability is assessed before committing
  • Spending decisions — whether a budget and approval framework exists
₹50,000
Financial Foundations Audit
  • Gross margin — calculated and normalised for founder cost
  • Cost trend analysis — which cost lines are growing faster than revenue
  • Unprofitable customer identification — fully-loaded cost-to-serve calculated
  • Discount practice audit — annual margin cost of discount culture quantified
  • Breakeven analysis — revenue breakeven and margin of safety calculated
  • Pricing lag cost — margin lost to un-passed cost increases estimated
₹1,00,000
Strategic Financial Diagnostic
  • Everything in Foundations Audit, plus:
  • Customer Acquisition Cost — fully-loaded CAC across all channels
  • LTV:CAC ratio — customer lifetime value vs acquisition cost
  • Contribution margin by product, geography, customer segment
  • Operating leverage model — EBITDA at 50% and 100% revenue growth
  • Competitor margin benchmarking — sector peer comparison
  • Revenue quality ratio — recurring vs one-time revenue split
₹3,00,000
CFO-Grade Business Diagnostic
  • Everything in Strategic Diagnostic, plus:
  • ROCE vs WACC — whether the business is creating or consuming economic value
  • Contribution margin 8-quarter trend per revenue line
  • Debt-to-equity stress test at -25% revenue scenario
  • Cost structure leverage — which costs are fixed vs structurally variable
  • Normalised EBITDA — investor-grade calculation of true business profitability
Cash Flow Analysis
Awareness flags
Ageing, cycle, runway
Treasury policy designed
Cash Flow Analysis
How each tier examines cash visibility, working capital structure, collection performance, and treasury discipline — from awareness flags through to a fully built 13-week model and treasury policy.
Free
Business Pulse Check
  • Cash stress signal — frequency of payment timing anxiety
  • Concentration risk — impact of top customer 60-day delay scenario
  • 90-day visibility — whether a forward cash view exists
₹50,000
Financial Foundations Audit
  • Debtor ageing — DSO by customer, overdue balances quantified
  • Creditor ageing — DPO, vendor payment cycle reviewed
  • Working capital cycle cost — annual rupee cost of collection delay calculated
  • Cash runway — months of operating expenses covered by current balance
  • Payment controls — who can release funds, approval thresholds reviewed
₹1,00,000
Strategic Financial Diagnostic
  • Everything in Foundations Audit, plus:
  • 13-week rolling cash flow model — built, formatted, handed over in Excel
  • Working capital intensity — capital required per ₹1 of additional revenue
  • Revenue concentration stress test — top 2 customer scenario modelled
  • Growth funding requirement — cash needed to fund 3-year growth plan
₹3,00,000
CFO-Grade Business Diagnostic
  • Everything in Strategic Diagnostic, plus:
  • Treasury policy designed — idle cash, reserve thresholds, forex exposure
  • Treasury inefficiency audit — idle cash vs debt arbitrage cost calculated
  • Debt structure review — short vs long term mix optimised
  • 40% revenue drop, 9-month stress test — survival threshold and response playbook
  • Full 3-statement cash flow model with base, upside, downside scenarios
Growth Strategy
Directional flags
3-scenario model + roadmap
Growth Strategy
How each tier addresses your business's readiness to scale, the financial model behind growth initiatives, and the strategic risks that only become visible when growth is stress-tested against real numbers.
Free
Business Pulse Check
Not assessed directly — growth readiness is surfaced through the Business and Cash Flow questions.
₹50,000
Financial Foundations Audit
  • Revenue trend analysis — is growth generating proportional profit improvement?
  • Margin growth vs revenue growth — operating leverage directional assessment
  • Key-person dependency cost — financial risk of losing a critical team member
  • Growth readiness flags — specific infrastructure gaps identified
₹1,00,000
Strategic Financial Diagnostic
  • Top 3 growth initiatives — capital requirement and breakeven timeline modelled
  • Headcount justification framework — financial model per major hire
  • Decision-making audit — last 3 major decisions reviewed for analytical rigour
  • 3-year financial plan — revenue, margin, headcount, capital modelled
  • Downside scenario — 30% revenue drop, 6-month survival assessment
  • Capital allocation retrospective — ROI on last 3 major investments
₹3,00,000
CFO-Grade Business Diagnostic
  • Everything in Strategic Diagnostic, plus:
  • Full 3-statement financial model — base, upside, and downside scenarios
  • 12-month implementation roadmap with ownership and financial targets
  • Valuation benchmarking — DCF and comparable transactions
  • North Star metric defined — single KPI connected to every resource decision
  • Cost structure leverage — fixed vs variable cost analysis for scaling decisions
  • Exit scenario alignment — growth strategy built toward defined exit outcome
Fundraising Readiness
Basic gap identification
Fully investor-ready
Fundraising Readiness
How each tier prepares your business to withstand investor scrutiny — from basic gap identification through to a fully assembled data room, investor-grade financial model, and cap table clean-up.
Free
Business Pulse Check
Not assessed — fundraising readiness requires detailed financial review.
₹50,000
Financial Foundations Audit
  • Financial documentation readiness — how quickly audited financials can be produced
  • Basic gap identification — what would need to be done before a raise
  • Compliance clean-up list — items that would fail investor due diligence
₹1,00,000
Strategic Financial Diagnostic
  • Fundraising readiness gap analysis — full investor checklist reviewed
  • Valuation methodology — primary approach identified for your sector
  • Financial narrative — story behind the numbers prepared
  • Board governance assessment — maturity vs investor expectations
  • Due diligence question simulator — 10 likely investor questions with answers
₹3,00,000
CFO-Grade Business Diagnostic
  • Full data room assembled — all investor-required documents organised
  • Investor-grade financial model — driver-based, 3-statement, stress-tested
  • Cap table review — all equity commitments documented and formalised
  • ESOP structure review — pool, vesting, dilution impact modelled
  • Exit tax scenario modelling — current vs restructured arrangement compared
  • Investor Q&A simulation — 10 institutional questions with full answers
  • 30-day due diligence readiness — can withstand scrutiny without founder involvement
SOPs & Controls
Process & approval review
Full SOP library built
SOPs & Controls
How each tier reviews and builds the systems that allow your business to operate without founder intervention — from control gap awareness through to a complete SOP library and governance framework.
Free
Business Pulse Check
  • Founder dependency check — what breaks if you are absent for 4 weeks
  • Control awareness — whether unexplained outflows would surface or be missed
₹50,000
Financial Foundations Audit
  • Payment approval process — who can release funds and at what limits
  • Vendor onboarding process — KYC, contract, and approval review
  • Expense approval workflow — policy, limits, documentation reviewed
  • Delegation of Authority gaps — specific exploitable control failures identified
  • MIS reporting cadence — monthly review rhythm designed
₹1,00,000
Strategic Financial Diagnostic
  • Everything in Foundations Audit, plus:
  • Delegation of Authority matrix — formal thresholds documented for all spend categories
  • Financial fraud risk map — specific vectors identified with likelihood and impact
  • Key-person continuity assessment — what breaks and what it costs if someone leaves
  • Information quality audit — reporting infrastructure reliability scored
₹3,00,000
CFO-Grade Business Diagnostic
  • Everything in Strategic Diagnostic, plus:
  • Full SOP library built — billing, payroll, month-end close, vendor management
  • Independent internal audit — controls reviewed as investor would see them
  • Board governance framework — reporting cadence, agenda, financial review protocol
  • Insurance coverage assessment — D&O, professional liability, key-man gaps mapped
  • Business continuity plan — finance function operational without founder
Financial Model
Full 3-statement model
Financial Model
How each tier builds or enhances the financial model your business decisions are made from — from no model in the free and starter tiers to a full driver-based 3-statement model with scenario analysis.
Free
Business Pulse Check
No financial model — free tier is a diagnostic only.
₹50,000
Financial Foundations Audit
No financial model — foundations audit is a review and action plan, not a modelling engagement.
₹1,00,000
Strategic Financial Diagnostic
  • 13-week rolling cash flow model — built and handed over in Excel
  • Scenario-level P&L — base case with key assumptions documented
  • Headcount model — cost per hire with revenue justification
  • Growth initiative models — top 3 initiatives with capital and breakeven analysis
  • 3-year directional financial plan — revenue, cost, and headcount
₹3,00,000
CFO-Grade Business Diagnostic
  • Full 3-statement model — P&L, Balance Sheet, Cash Flow integrated
  • Driver-based design — operational assumptions feed financial outputs
  • Three scenarios — base, upside, and 40% revenue drop downside
  • Investor-grade format — ready for board or investor presentation
  • Valuation model — DCF and comparable multiples built in
  • 12-month implementation roadmap — financial targets by initiative and month
Debrief Session
60-min CFO call
2 × debrief + Q&A sim
Debrief Session
How each tier delivers the CFO conversation — from no debrief in the free tier to two full sessions plus investor Q&A simulation at the highest tier.
Free
Business Pulse Check
No debrief — results are instant and self-interpreted. CTAs link to booking a discovery call.
₹50,000
Financial Foundations Audit
  • 60-minute CFO-level video debrief
  • Full walkthrough of all findings — Critical, Moderate, Advisory
  • Prioritised action sequence explained with reasoning
  • Q&A — all questions answered on the findings
  • Next step recommendation based on what the audit revealed
₹1,00,000
Strategic Financial Diagnostic
  • 90-minute CFO-level debrief session
  • Full risk register walkthrough with financial impact per item
  • 90-day action plan reviewed — ownership and timelines agreed
  • Financial model walkthrough — assumptions challenged and refined
  • Strategic recommendations discussed in depth
  • Follow-up document with agreed priorities sent within 48 hours
₹3,00,000
CFO-Grade Business Diagnostic
  • Session 1 — 90-minute findings debrief: full diagnostic walkthrough
  • Session 2 — 90-minute strategy session: roadmap, model, and priorities
  • Investor Q&A simulation — 10 institutional questions with coached responses
  • 30-day post-delivery email support — questions answered as implementation begins
  • All sessions recorded and shared for internal reference
Full package details — click any tier to expand
Free — Lead Magnet
Business Pulse Check
A 15-question self-assessment that tells you where your business stands financially. No cost, no obligation — just clarity on what to look at first.
Free
~12 minutes
+
What you get
  • 15 multiple-choice questions across 8 financial areas
  • Scored health report (out of 45)
  • Traffic-light status across Taxation, Accounting, Compliance, Business, Cash Flow, Growth, Fundraising, SOPs
  • 3–5 specific gap observations
  • Personalised tier recommendation based on your score
Who should take it
  • Founders who want an honest baseline on their financial health
  • Businesses that have never had a structured financial review
  • Anyone considering a CFO engagement but unsure where to start
  • Pre-revenue or early-stage businesses under ₹5 Cr revenue
You will walk away with
A clear, scored picture of financial health across all 8 areas
The 2–3 areas most likely to create risk in the next 6 months
A specific recommendation for the right paid diagnostic for your situation
Takes 12 minutes. Results are instant.
Starter — ₹50,000
Financial Foundations Audit
A structured review of financial setup, compliance posture, and cash mechanics — with a prioritised action plan and a CFO debrief.
₹50,000
5–7 working days
+
What is assessed
  • GST filing status, GSTR-2B reconciliation, ITC gap analysis
  • TDS deduction, deposit, and filing — 2-year review
  • Bank reconciliation, chart of accounts, ledger hygiene
  • ROC/MCA filings, PF, ESIC, statutory deposit review
  • Gross margin and EBITDA — normalised for founder cost
  • Debtor and creditor ageing, working capital cycle cost
  • Invoice approval, vendor onboarding, expense controls
  • MIS format design and management reporting cadence
Deliverables
  • 12–15 page diagnostic report
  • Findings rated Critical / Moderate / Advisory
  • Prioritised action checklist with owner and timeline
  • Standard MIS format calibrated to your business
  • 60-minute CFO-level debrief call
Best suited for
  • ₹2–15 Cr revenue businesses
  • No structured financial review in the last 12 months
  • Compliance gaps suspected but unquantified
  • First-time CFO service buyers
You will walk away with
A prioritised list of every financial risk — with rupee exposure quantified for each
Confidence that your compliance posture is sound — or exactly what needs fixing and what it costs
Your true working capital cost — a number most founders have never seen calculated
A reporting rhythm that keeps your books working for you going forward
Enquire About This Tier → Diagnostic fee credited against first month of CFO retainer if onboarded within 30 days.
Comprehensive — ₹3,00,000
CFO-Grade Business Diagnostic
The most thorough assessment we conduct — equivalent to a CFO's first 90-day review, delivered in 3–4 weeks with a full financial model and 12-month implementation roadmap.
₹3,00,000
3–4 weeks
+
Everything in the Strategic Diagnostic, plus
  • 5-year tax position review including litigation mapping
  • Related party transaction documentation and exposure review
  • Group holding structure — exit mechanics and tax efficiency
  • Audit opinion review — 3-year qualification history
  • Contingent liabilities — all off-balance-sheet items mapped
  • Multi-entity compliance consolidation incl. FEMA/RBI
  • Return on Capital Employed (ROCE) vs WACC analysis
  • Contribution margin — 8-quarter trend per revenue line
  • Debt-to-equity stress test at -25% revenue scenario
  • Treasury policy design — idle cash, reserves, forex exposure
  • Full 3-scenario financial model — base, upside, downside
  • 12-month implementation roadmap with ownership and timelines
  • Investor-grade financial model — driver-based, 3-statement
  • Valuation benchmarking — DCF and comparable transactions
  • Cap table review, ESOP structure, future dilution model
  • Full data room assembly for fundraise or transaction
  • Investor Q&A simulation — 10 institutional questions
  • Full SOP library — billing, payroll, close, vendor management
  • Independent internal audit — pre-investment controls review
  • Board governance framework design
Deliverables
  • 50–70 page comprehensive diagnostic report
  • Full 3-statement financial model with scenarios (Excel)
  • 12-month implementation roadmap
  • Risk register with mitigation plans
  • Investor-grade executive summary (5 pages)
  • Full data room — investor-ready documentation
  • 2 × CFO-level debrief sessions
  • 30-day post-delivery email support
Best suited for
  • ₹20 Cr+ revenue businesses
  • Pre-fundraise (Series A / growth equity)
  • M&A, acquisition, or management buyout
  • PE/VC investor onboarding
  • Turnaround or restructuring situation
  • Promoters making a bet-the-company decision
You will walk away with
A complete institutional-quality view of your business — financial, operational, and strategic
A financial model your board, CFO, or investors can interrogate with confidence
Full fundraise or transaction readiness — data room, narrative, valuation context
A 12-month roadmap with ownership, timelines, and financial impact per initiative
A document that stands up to investor, lender, or acquirer scrutiny without preparation
Enquire About This Tier → ₹3,00,000 credited against first month of a 12-month CFO retainer if onboarded within 30 days.
Not sure where to start?
Take the free Business Pulse Check. 12 minutes. No data required. The kind of financial clarity your CA doesn't give you — scored, specific, and actionable.
Talk to a CFO
Fee credit policy
The full diagnostic fee at every paid tier is credited against the first month of an ongoing CFO Angle retainer — if you choose to proceed within 30 days of the diagnostic debrief. The ₹50,000 Foundations Audit feeds into a 3-month intervention. The ₹1,00,000 Strategic Diagnostic feeds into a 6-month retainer. The ₹3,00,000 CFO-Grade Diagnostic feeds into a 12-month engagement. The diagnostic fee is not a cost — it is the first investment in a longer relationship.