01 · Practice
Audit & Assurance
Services
Seven wings.
One bench.
Financial assurance, cybersecurity compliance, tax, transactions and personal wealth — engineered by one Chartered Accountant, to one evidence standard.
DPDP Act, 2023 compliant firm · data protection from day one
01 · Audit & Assurance
An opinion lenders trust.
A letter you'll actually read.
An audit opinion is only as valuable as the rigour behind it. Our assurance practice is built on the Standards on Auditing issued by ICAI, executed by CA-supervised teams with sector specialisation, and supported by data-analytics tooling that tests 100% of transactions rather than a sample. The result is an opinion that lenders, investors, regulators and audit committees can rely on without qualification — and a management letter that tells you something you did not already know.
We serve private limited companies, LLPs, listed-entity subsidiaries, trusts and Section 8 companies across manufacturing, pharmaceuticals, real estate, technology and financial services. Ind AS conversion, first-time adoption and ICFR (Internal Financial Controls over Financial Reporting) design and testing are core competencies rather than add-ons.
Independent Auditor's Report
Opinion · UnmodifiedTo the Members of
[Client] Private Limited
Basis for opinion · SA 700 (Revised)
CA Praveen
Chartered Accountant · UDIN ••••••••
Vijayawada
FY 2025–26
Management letter
Control gaps · 4- Revenue cut-off · Q4High
- Vendor master approvalsMedium
- Fixed-asset physical verificationMedium
- GST-2B reconciliation cadenceLow
Transactions tested
100%
Data analytics · not a sample
- You receive
- Independent Auditor's Report (SA 700 / 705 / 706)
- CARO 2020 annexure & ICFR opinion
- Management letter with control-gap heat map
- Ind AS financial statements & disclosure checklist
- Timeline
- 6–10 weeks
- post year-end
- Model · Annual statutory engagement
- Phases
- Plan → Fieldwork → Report → Board
Inside the practice
Six ways we work in Audit & Assurance.
Statutory Audit
Companies Act, 2013 audits for private, public and Section 8 companies, LLPs and foreign-company branches, including consolidated financial statements.
Tax Audit u/s 44AB
Form 3CA/3CB–3CD reporting with clause-by-clause reconciliation to books, GST returns and TDS filings to eliminate assessment-stage surprises.
Internal Audit & ICFR
Risk-based internal audit programmes, SOP design, process walkthroughs and controls testing aligned to COSO and Section 143(3)(i).
Ind AS & IFRS Reporting
First-time adoption, GAAP conversion, technical accounting memos on revenue (Ind AS 115), leases (Ind AS 116) and financial instruments (Ind AS 109).
Stock, Bank & Concurrent Audits
Lender-mandated stock and receivables audits, bank branch and concurrent audits with RBI-compliant reporting formats.
Forensic & Special-Purpose
Fraud investigations, fund-utilisation certificates, agreed-upon procedures and certifications for regulators, investors and courts.
02 · Cybersecurity & Compliance
Prove your security.
Don't just promise it.
Enterprise customers no longer take security on trust — they ask for a SOC 2 report, an ISO 27001 certificate and evidence that controls actually operate. Our information-security practice is built for SaaS, IT and tech-driven companies that need to answer those questions credibly. It is CA-led: every engagement is managed by qualified Chartered Accountants applying the same evidence discipline that governs a statutory audit, working alongside cybersecurity engineers for the technical testing.
The model is end-to-end — gap analysis, policy and control design, evidence collection, remediation support and audit coordination — so you are never handed a findings list and left to interpret it. One bench, one evidence standard, one point of accountability for your board, your auditor and your customers' security questionnaires.
Alliance
Official partners with Sprinto, one of the world’s leading compliance automation platforms.
The partnership is held through Valtrs, our managed cybersecurity practice — an independent cyber auditing and consulting firm. It means your SOC 2 and ISO 27001 programme runs on continuous, automated control monitoring from day one, with a Chartered Accountant reading the evidence rather than a dashboard reading it for you.
- Automated evidence collection across your cloud, code and HR stack
- Continuous control monitoring, not a scramble before the audit window
- Platform, readiness and audit coordination under one accountable bench
Valtrs is an associated firm · Platform partnership disclosed in every engagement letter
Control Room · SOC 2 Type II · ISO 27001:2022
Audit window openTrust Services Criteria
- Security100%
- Availability96%
- Confidentiality92%
- Processing integrity81%
- Privacy74%
Evidence collected
412 / 460
- Policies approved24 / 24
- Access reviews · Q2Done
- Vendor risk assessments3 pending
- ISO Annex A controls93 mapped
VAPT findings · remediation
Critical
3→0
High
12→2
Med
27→9
Low
41→30
Open findings · 7 sprints
- You receive
- Gap-analysis report & prioritised remediation roadmap
- Audit-ready policy set & control-evidence library
- SOC 2 readiness assessment / ISO 27001 internal-audit report
- ITGC test workpapers & VAPT governance summary
- Timeline
- 8–16 weeks
- to audit-ready
- Model · Readiness project → annual retainer
- Phases
- Gap analysis → Remediate → Evidence → Audit
Inside the practice
Six ways we work in Cybersecurity & Compliance.
02 · Practice
Cybersecurity & Compliance
SOC 2 Readiness & Audit Support
Trust Services Criteria scoping, control design and mapping, evidence collection and Type I / Type II audit coordination with the attesting CPA firm — so the audit is a confirmation, not a discovery.
ISO 27001 Internal Audit & ISMS Implementation
ISMS build-out to ISO/IEC 27001:2022 — risk assessment, Statement of Applicability, Annex A controls — plus clause 9.2 internal audits and certification-body liaison through Stage 1 and Stage 2.
ITGC (IT General Controls) Audit
Testing of logical access, change management, IT operations and backup/recovery controls for statutory and ICFR audits, SOX-style reviews and customer-requested assurance.
VAPT Governance & Security Testing
Scoped vulnerability assessment and penetration testing delivered through partner security engineers, with CA-managed governance: finding triage, remediation tracking, retest evidence and board-level reporting.
Compliance Documentation & Policy Writing
Information-security, access-control, incident-response, BCP/DR, vendor-risk and acceptable-use policies written to satisfy auditors and — just as importantly — to be followed by your team.
Virtual InfoSec / Compliance Advisor
A named advisor on retainer: security questionnaires and customer due diligence, continuous control monitoring, vendor reviews and the annual re-certification cadence — without a full-time CISO hire.
03 · Taxation
Positions you can defend.
Not just deductions you can claim.
Tax is where financial architecture meets the law. With the Income-tax Act, 2025 now in force and GST entering its rate-rationalised second decade, the premium is on positions that are both optimised and defensible. Our tax practice pairs planning with documentation from day one — every position we recommend is one we are prepared to defend before an assessing officer, the Commissioner (Appeals), the ITAT or the GST appellate tribunal.
We advise Indian promoters, inbound multinationals and outbound Indian groups on corporate structuring, transfer pricing, withholding obligations, treaty access and indirect-tax supply-chain design.
Effective tax rate · FY 2025–26
22.0%
- Statutory · with surcharge & cess25.17%
- Regime election · 115BAA−3.17%
- Positions documented14
- Positions disputed0
Position file · one of fourteen
DefensibleSoftware subscription — royalty or business income?
Authority
Engineering Analysis Centre (SC 2021)
Treaty
India–US DTAA · Art. 12
Withholding
Nil · Form 15CB issued
Filing calendar · next 90 days
30 Sep
3CA–3CD
20 Oct
GSTR-3B
31 Oct
ITR · TDS Q2
30 Nov
3CEB · TP
- You receive
- Annual tax strategy memo & effective-rate model
- Transfer-pricing study & Form 3CEB
- GST health-check & ITC reconciliation
- Assessment & appellate representation
- Timeline
- Monthly
- compliance · quarterly review
- Model · Annual retainer
- Phases
- Position → File → Review → Defend
Inside the practice
Six ways we work in Taxation.
03 · Practice
Taxation
Corporate & Direct Tax
Entity-level tax planning, advance-tax modelling, MAT/AMT analysis, return preparation and section 115BAA/115BAB regime evaluation.
International Tax & Transfer Pricing
Benchmarking studies, master-file and CbCR support, safe-harbour and APA applications, PE risk reviews and DTAA-based withholding positions.
Goods & Services Tax
Registration, monthly and annual returns, refund claims, e-invoicing and e-way bill design, classification opinions and departmental audit support.
Litigation & Representation
Scrutiny assessments, faceless proceedings, CIT(A) and ITAT appeals, GST show-cause responses and appellate authority representation.
Withholding & TDS/TCS
Quarterly TDS/TCS compliance, lower-deduction certificates, non-resident payment reviews (Form 15CA/CB) and default-notice resolution.
Expatriate & HNI Tax
Residential-status planning, foreign asset disclosures, ESOP taxation and succession-linked tax structuring for promoter families.
04 · Corporate Compliance
Every filing. On time.
Without you thinking about it.
Regulatory compliance in India spans the Companies Act, FEMA, RBI directions, labour codes and sector regulators — each with its own calendar, forms and penalties for lateness. We run it as a managed service: a single compliance calendar, owned by a named manager, reviewed by CA Praveen, and shared with your board on a fixed monthly cadence.
From incorporation and capital structuring through annual filings, foreign-investment reporting and closure, the objective is simple: no surprises, no late fees, no compounding applications.
Compliance calendar · FY 2026–27
Illustrative sample
- 15 JulTDS return · Q1Filed
- 31 JulFLA return · RBIFiled
- 15 SepAdvance tax · 2ndPaid
- 30 SepAGM · DIR-3 KYCDue
- 29 OctAOC-4 · financialsScheduled
- 28 NovMGT-7 · annual returnScheduled
- MonthlyPF · ESI · PTFiled
- QuarterlyBoard meeting · minutesFiled
Compliance score
100%
Late fees paid · ₹0 · 4 quarters
Registers & minutes
- Statutory registersCurrent
- Board minutes · Q2Signed
- FC-GPR · Series AAcknowledged
- You receive
- Board-ready compliance calendar & status dashboard
- Statutory registers, minutes & resolutions
- FEMA filings (FC-GPR, FC-TRS, FLA, ODI)
- Annual compliance certificate
- Timeline
- Annual
- managed service
- Model · Managed compliance retainer
- Phases
- Calendar → File → Certify
Inside the practice
Six ways we work in Corporate Compliance.
04 · Practice
Corporate Compliance
Incorporation & Structuring
Private limited, LLP, OPC, Section 8, branch and liaison offices — with shareholder-agreement and capital-structure advice built in.
MCA & Secretarial
AOC-4, MGT-7, DIR-3 KYC, charge filings, board and general-meeting documentation and secretarial audit coordination.
FEMA & RBI
Inbound FDI reporting, ECB compliance, overseas direct investment, liaison-office renewals and compounding applications.
Labour & Payroll Compliance
PF, ESI, professional tax, gratuity and Shops & Establishments registrations, returns and inspections under the new labour codes.
Startup & DPIIT
Startup India recognition, Section 80-IAC tax-holiday applications, angel-tax exemption and ESOP scheme documentation.
Strike-off & Winding Up
Voluntary strike-off, LLP closure, member's voluntary liquidation and NCLT-driven exits with tax and FEMA clearances.
05 · M&A & Transactions
Know what you're buying.
Show what you're worth.
Transactions compress years of financial history into a single negotiation. We work on both sides of the table — buy-side diligence that surfaces what the data room does not volunteer, and sell-side preparation that lets promoters walk into a process with clean numbers and a defensible valuation.
Structuring is where our tax, compliance and assurance wings converge: mergers and demergers under the Companies Act, slump sales, share swaps and cross-border holding structures are designed for tax efficiency, regulatory clearance and post-deal integration from the first term sheet.
Valuation · football field
Equity value · ₹ Cr- DCF · base / upside₹118–142 Cr
- Trading comparables₹104–136 Cr
- Transaction comparables₹110–150 Cr
- Rule 11UA · NAV floor₹62–68 Cr
₹60 Cr₹100 Cr₹140 Cr₹200 Cr
Negotiated · term sheet
₹128 Cr
Diligence · red-flag matrix
- Quality of earningsClean
- Net debt · normalised+₹4.2 Cr adj.
- Related-party sales11% of revenue
- Working-capital peg₹18.6 Cr
Deal timeline
Diligence
Valuation
SPA · CPs
Close
Week 7 of 10
- You receive
- Financial & tax due-diligence report with red-flag matrix
- Valuation report (DCF, multiples, Rule 11UA)
- Structure paper & step-plan with tax analysis
- NCLT scheme documentation & closing checklist
- Timeline
- 3–12 weeks
- per mandate
- Model · Fixed-fee project
- Phases
- Diligence → Value → Structure → Close
Inside the practice
Six ways we work in M&A & Transactions.
05 · Practice
M&A & Transactions
Financial Due Diligence
Quality of earnings, net-debt and working-capital analysis, revenue-recognition review and related-party mapping for acquirers and investors.
Valuation
Business, share and intangible valuations for fund raises, ESOPs, FEMA pricing, Rule 11UA and purchase-price allocation.
Deal Structuring
Share vs. asset deals, slump sale, holding-company formation, cross-border structuring and earn-out design with full tax modelling.
Mergers & Demergers
Scheme drafting, valuation and fairness support, NCLT process management and post-sanction accounting under Ind AS 103.
Fund-Raise Advisory
Data-room preparation, financial model review, term-sheet analysis and condition-precedent closure for venture, PE and debt rounds.
Succession & Family Office
Promoter succession structures, family constitutions, trust formation and generational transfer of business holdings.
06 · Virtual CFO
A finance office.
Before you can afford one.
Growth companies reach a point where bookkeeping is no longer the problem — judgement is. The Virtual CFO practice places a CA-level finance leader inside your operating rhythm: monthly close, board MIS, cash-flow forecasting, pricing decisions and investor reporting, without the fixed cost of a full-time CFO and team.
We build the finance function you will eventually hire into — chart of accounts, ERP configuration, controls, approval matrices and reporting cadence — so that when the time comes, the transition is a handover, not a rebuild.
Board pack · September 2026
Prepared by CA Praveen · Day 8 after close
ARR
₹42.6 Cr
↑ 6.2% MoM
Gross margin
71%
↑ 140 bps
Net burn
₹1.8 Cr
↑ vs plan ₹1.5
Runway
19 mo
Covenants · all met
13-week cash flow · closing balance
₹ Cr
Wk 1Collections · Wk 5 & 9Wk 13
Decisions for the board
- Approve ₹0.4 Cr hiring plan deferral to Q4
- Pricing: move enterprise tier to annual-upfront
- Open Series B data room · February
- You receive
- Monthly board MIS pack within 10 working days
- Rolling 13-week cash-flow & annual budget
- Investor & lender reporting packs
- Finance SOPs, approval matrix & ERP blueprint
- Timeline
- 2–6 days
- of CA time per month
- Model · Monthly retainer
- Phases
- Close → MIS → Forecast → Board
Inside the practice
Six ways we work in Virtual CFO.
06 · Practice
Virtual CFO
MIS & Board Reporting
Unit economics, cohort metrics, segment P&L and variance commentary designed for the questions your board actually asks.
Cash-Flow & Working Capital
Rolling forecasts, receivables and payables discipline, covenant tracking and runway modelling under multiple scenarios.
Budgeting & Forecasting
Driver-based annual operating plans, re-forecast cycles and departmental budget ownership frameworks.
Fund-Raise Readiness
Investor-grade financial models, KPI definitions, data-room hygiene and diligence rehearsal ahead of Series A–C rounds.
Finance Function Design
ERP selection and configuration, chart-of-accounts design, close calendars, controls and hiring plans for your first in-house team.
Pricing & Profitability
Contribution analysis, SKU and customer profitability, pricing-model redesign and cost-to-serve studies.
07 · FIRE Planning · Individuals
Retire on your terms.
Engineered, not assumed.
The 4% rule was written for an American retiree with social security and 3% inflation. It does not survive contact with Indian reality — 6% lifestyle inflation, medical costs that outrun it, tax on every withdrawal, and a retirement that may last forty years. FIRE in India is still entirely achievable; it simply has to be engineered rather than assumed.
There is no template FIRE plan here. Yours is built from your numbers — income, ESOPs, business cash flows, existing assets, the lifestyle you actually want — into a personal roadmap: the corpus you need, the savings rate that gets you there, the most tax-efficient way to accumulate it, and a withdrawal playbook for the day you stop. Then we sit down with you every year and re-run it against markets, inflation, tax law and life.
The concept
FIRE, explained in three cards.
01
What financial independence means
The point at which your investments generate enough to fund your life indefinitely — without a salary. "Retire early" is optional. The goal is the freedom to choose: keep working because you want to, change careers, take three years off, or stop altogether.
02
The maths, in one line
Corpus required = annual expenses ÷ safe withdrawal rate. A ₹1.2 L monthly lifestyle at a 3.5% withdrawal rate needs roughly ₹4.1 Cr in today's rupees. The surprising part: your savings rate, not your returns, decides the timeline — save half your income and independence is 15–17 years away; save a third and it is 25.
03
Why India needs its own rulebook
The famous 4% rule assumes US inflation and social security. In India, 6% lifestyle inflation, medical costs that outrun it, no state pension and tax on every withdrawal push the safe rate to 3–3.5% — and make tax-efficient structuring worth years of extra work. That is where a Chartered Accountant earns their place in the plan.
Try your numbers · live
Your FIRE number · in today's rupees
≈ in future rupees at independence · /month then
Independent at
Savings rate
of monthly cash flow
Progress to today's target
This is the generic answer — one line of maths. It ignores your tax bracket, ESOP timing, a medical shock in year 12 and which asset you should draw down first. That gap is what a personalised plan closes — and it is often worth years.
See how CA Praveen builds your planIllustrative only. Assumes constant returns, expenses and investments rising with inflation, and no tax on withdrawal. Not investment advice.
Your personalised roadmap · built by CA Praveen
A plan built from your numbers — not a blog's.
Generic FIRE advice starts from a spreadsheet. CA Praveen starts from you: your income structure and tax bracket, your ESOPs or business cash flows, your dependants, your risk temperament and the retirement you actually picture. Because the same person files your tax return, audits the numbers and knows your goals, every rupee is placed where it compounds hardest after tax — and the plan is re-tested every year until you no longer need it.
-
01 · Week 1 · Session one
Discover
A confidential, no-judgement deep-dive with CA Praveen: income and its tax treatment, ESOPs and RSUs, business interests, assets, loans, dependants, health cover — and the life you want after work. This is where we decide whether yours is a Lean, Coast, Barista or Fat FIRE.
You receive · Your FIRE profile & goal statement
-
02 · Week 2 · Modelling
Model
Your FIRE number in today's and future rupees, the savings rate that gets you there and the year it happens — stress-tested against inflation spikes, market drawdowns and a medical event, with three scenarios so you can see the trade-offs.
You receive · Personal FIRE model with scenario comparison
-
03 · Weeks 3–4 · Structuring
Structure
The CA advantage: salary and ESOP structuring, NPS / EPF / PPF / ELSS sequencing, HUF planning, asset location across equity, debt and property, insurance adequacy — and a withdrawal playbook that keeps tax low for forty years, not just the first.
You receive · Written roadmap with year-by-year milestones
-
04 · Every year · Retainer
Review & course-correct
Markets move, tax law changes, life happens. Each year CA Praveen re-runs the plan, files your ITR with full knowledge of it, and adjusts the route before a small drift becomes a lost decade.
You receive · Annual re-forecast · ITR filed · updated roadmap
What makes it personal
- Your tax bracket, income mix and every deduction you are entitled to
- ESOP / RSU vesting schedules and the perquisite-tax timing
- Business-owner cash flows, drawings and succession
- Dependants, parents' healthcare and children's education
- Your risk temperament — the plan you will actually stick to
- The retirement you picture: city, travel, giving, a second act
"The number is the easy part. The plan is knowing which rupee to save first, which to withdraw first, and what to do when life changes the question."
CA Praveen · Chartered Accountant
45 minutes with CA Praveen · No commitment
- You receive
- Personal FIRE plan — corpus target, savings rate, timeline, Lean / Coast / Fat scenarios
- Tax-optimised accumulation structure (salary, ESOP, business, investments)
- Withdrawal & decumulation playbook with year-by-year tax view
- Annual review, re-forecast and ITR filing, bundled
- Timeline
- 4 weeks
- to a written plan · then annual
- Model · Plan + annual review
- Phases
- Discover → Model → Structure → Review
- Standards
- Income-tax Act, 2025 · NPS / EPF / PPF · Succession law · SEBI-RIA routing
- Discuss this wing
Inside the practice
Six ways we work in FIRE Planning.
07 · Practice
FIRE Planning
FIRE Number & Roadmap
Your personal corpus target, savings rate and timeline — modelled against Indian inflation, healthcare costs and a 40-year retirement — with Lean, Coast, Barista and Fat scenarios so you choose the life, not just the number.
Tax-Efficient Accumulation
Structuring salary, ESOPs and RSUs, business income and investments to maximise post-tax compounding: NPS, EPF/PPF, ELSS, capital-gains harvesting and HUF planning — every rupee saved in tax compounds for you.
Withdrawal & Decumulation Playbook
Sequencing withdrawals across equity, debt, EPF/PPF and property with a bucket strategy and SWP design that keeps tax low and the corpus alive — the part most FIRE blogs skip.
Risk & Protection Audit
Health cover, term insurance, emergency reserves and liabilities reviewed so a single event cannot reset the clock — the cheapest insurance in any FIRE plan is adequacy.
Estate & Succession Planning
Wills, nominations, HUF and family-trust structures and lifetime gifting, so what you build passes cleanly and tax-efficiently to the people you built it for.
Annual FIRE Review (Retainer)
A yearly re-forecast against markets, inflation, tax-law changes and life events, with your ITR filed by the same person who knows the plan — one relationship, start to finish.
We provide financial planning and tax advice. We do not sell investment products; where product-level recommendations are required, they are routed through a SEBI-registered investment adviser.
Why one bench
An audit finding becomes a tax position becomes a deal structure.
Most firms hand you off between departments. Here the same Chartered Accountant who signs your audit designs your SOC 2 controls, defends your tax position and models your exit — so nothing is lost in translation.
- Audit & Assurance
- Cybersecurity & Compliance
- Taxation
- Corporate Compliance
- M&A & Transactions
- Virtual CFO
- FIRE Planning
One signatory
CA Praveen on every deliverable
One evidence standard
Audit-grade, across all wings
One calendar
Shared with every client
Engagement Models
Three ways to work with us.
Model A
Annual Retainer
Audit, tax and compliance run as one managed calendar with a named engagement manager and quarterly review by CA Praveen.
Best for · Operating companies
Model B
Project Mandate
Fixed-scope, fixed-fee work — SOC 2 / ISO 27001 readiness, diligence, valuation, Ind AS conversion, litigation — with defined deliverables and timelines.
Best for · Transactions & transitions
Model C
Board Advisory
A Chartered Accountant at the table — audit-committee support, independent financial counsel to promoters and boards, quarterly strategy reviews.
Best for · Family offices, funded boards & FIRE clients
Schedule Advisory
Fee proposals within 3 working days of a diagnostic call.