CFOSurge India/Owner questions

The money questions Indian owners ask, worked through completely

No sales pitch. Each guide takes one real problem and solves it the way our CFOs do with clients.

Your CC limit is always full. Here's what's really eating it.Why your cash credit limit is always full and drawing power keeps falling: how banks calculate it, the five causes and the fix for each, with calculators.Your accounts show a profit. So where is the cash?Why an Indian business can show a profit but have no cash: receivables, stock, GST credit, TDS, loans and promoter withdrawals. Find where it went and fix it.Your GST credit is stuck. Here's how to get your cash back.Why GST input credit is stuck or missing from GSTR-2B, what it costs in cash and how to recover it: supplier filing, errors, the 180-day rule, reconciliation.The MSME 45-day rule: a cost if you buy, a lever if you sellThe MSME 45-day rule from both sides: how paying micro and small suppliers late defers your tax deduction, plus supplier rights, interest, Udyam checks, TReDS.Your customers pay late. Here's how to get paid without losing them.How to get Indian customers to pay on time: invoice discipline, credit limits, follow-up, MSME rights, TReDS and bill discounting, and when to stop supplying.How much can you safely take out of your company? Start from cash, not profit.How much a promoter can safely take from an Indian company each year, and how: salary, dividend, interest or loans. Cash tests, company law and tax points.Need a bank loan or a bigger limit? Prepare it the way a credit officer reads it.How Indian banks assess a working-capital or term loan: CMA data, projections, current ratio, TOL/TNW, DSCR and conduct. How to prepare a proposal that works.Do you know which products make money? Most owners know which ones sell.How to find which products, customers and orders really make money: contribution margin, machine-hour costing, cost to serve, and what to do with loss-makers.Your costs went up. Your prices didn't. Here's how to fix that.How Indian businesses can raise prices with OEMs, distributors and clients without losing them: the volume you can afford to lose and price-variation clauses.Your godown is full and your bank account is empty. Here's how to free the cash.How Indian manufacturers and traders can free cash from excess stock: stock days, ABC analysis, slow items, reorder levels, stock accuracy and dead stock.Can you see which week your cash runs short? Build a 13-week forecast.Build a 13-week cash flow forecast for an Indian business: opening balances, receipts, GST, TDS, PF, advance tax and EMIs on real dates, updated weekly.Advance tax keeps catching you short? Plan it like a salary, not a surprise.Why advance tax instalments leave Indian businesses short of cash, and how to estimate early, set cash aside monthly and plan the June to March instalments.Your customers deducted TDS. Why isn't the credit showing?Why TDS deducted by customers doesn't appear in Form 26AS or AIS, and how to recover it: wrong PAN or section, late filing, corrections and a quarterly routine.Family money and business money in one pocket? Here's how to separate them, kindly.How Indian family businesses can separate household and business money: promoter loans, withdrawals, family expenses and inter-company balances.Planning to hand over the business? Start with numbers the next generation can trust.How Indian family businesses can prepare the finance side of succession: clean numbers, a consolidated view, roles, valuation, promoter money and governance.Accountant, CA or CFO? Who your business needs right now.Who an Indian business needs at each stage: an accountant, a CA, a virtual CFO or a full-time CFO, what each does, and when to add the next.

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CFOSurge India · General information only. It isn't financial, tax or legal advice for your circumstances. · Follow us on YouTube · LinkedIn