Cash disappearing that the P&L never explained. Margin quietly eroding through a contract nobody re-read. Working capital trapped in ageing stock no one is tracking. These are the blind spots that cost businesses money, control and time, long before anyone notices. 22+ years in Finance & FP&A go into finding them, fixing the system around them, and turning the numbers into a decision you can act on today. Global Fractional CFO for founders, owners, MDs and finance leaders, combining Strategic Finance, FP&A and Forensic Finance to find blind spots in cash, profit, working capital and risk. Finance systems, automation and AI are the tools I use to make the solution scalable, not the identity I sell. I also teach the same finance, analytics and technology skills to students and professionals worldwide. What are Finance Blind Spots? →
Not only advice: the thinking is explained, taught and published.
Client names and identifying details are never shared. The numbers are real and are shown as illustrations of the kind of problem solved.
No inflated numbers. What is listed here is what has been done.
Published by BPB Publications, with 19,000+ copies sold. The book →
Workshop on Data Analytics for Business and Entrepreneurship, MBA 2024–26 batch, 23 December 2024, honoured with a Plaque of Honor.
Free to learn from and free to use, including the Cash vs Profit Leak Finder and the Finance Clarity Diagnostic. Tools →
From a CA firm to corporate finance and accounts, then 7AM & Realtime CFO since 2018. 10+ professionals trained.
Long before this Fractional CFO practice existed, there were thousands of hours spent inside broken finance models — a circular reference hiding a wrong number, a 40-tab report nobody could read, an MIS that never matched the bank statement. Every blind spot this practice now catches was once a problem solved by hand, one broken model at a time. That instinct, sharpened over 22+ years and now paired with Excel, Power BI, AI, Python, SQL and n8n, is what powers everything here, from the CFO desk to the classroom.
The audience changes. The foundation doesn't: finance, analysis, judgment and decision-making. Pick the line that sounds like you.
Fractional CFO, MIS, cash and working capital visibility, costing and fundraising numbers. Fractional CFO →
FP&A, forensic review of controls and variances, and automation that keeps the controls intact. Forensic Finance →
Practical training in FP&A, Power BI, AI and automation for finance. Training →
Excel for finance and accounting, MIS basics and the thinking behind each report. Training →
The book, nine free resources and guided learning paths. Book & Free Resources →
Hands-on sessions for finance teams, colleges and business schools. Workshops →
Reconciliation, leakage, variance and control review with evidence. Read more →
Indian tax command, controlled payroll, bank and treasury coordination and investor-ready numbers, working with local specialists wherever required. Read more →
FP&A, Excel, Power BI, AI and automation for every level. Read more →
The P&L says the business made money. The bank balance says otherwise. Somewhere between the two sits blocked inventory, stretched receivables, and a variance nobody flagged in time — and by the time it shows up in a monthly review, the decision that could have fixed it is already behind you.
This practice exists to close that gap — turning scattered Zoho, Tally, ERP and Excel data into one page that shows where cash actually stands, where it's diverging from profit, and what today's decision should be.
Rakshak = controls, verification and human oversight before automation.
Built from a live MIS reporting deployment — demo company, real structure. Scattered data → consolidated, verified, analyzed → visibility and clarity.
No dashboard to open, no report to download — just the six things that actually decide your day, in the order they matter.
Zoho, Tally, banks, Excel sheets, marketplace panels — pulled from wherever your business actually keeps its numbers.
Consolidated, verified, and reconciled — this is where the real engineering happens, before any AI touches the data.
The verified data is turned into a single MIS one-pager, built into your regular reporting cadence as part of the engagement.
You see the decision, not the data dump. Every page carries a Data Confidence % so you know exactly how much to trust it.
Most businesses don't fail from a lack of data. They fail from a lack of visibility into the data they already have. This practice exists to close that gap: through reporting every morning, through independent review, and through teaching.— Suraj Kumar Lohani, Global Fractional CFO
22+ years in Finance & FP&A, finding what standard reporting misses — cash, margin, working capital and control blind spots — using Excel, Power BI, AI, Python, SQL and n8n as the toolkit, not the pitch. Trainer and educator for students and professionals worldwide, with 10+ professionals trained. Author of "Excel for Finance and Accounting" (19,000+ copies sold), plus 9 free resources. Strategic partner to CEOs, directors, owners and founders.
Connect on LinkedIn →
MIS, dynamic dashboards and data analytics. AI workflow automation, SOP and process design, business operations analysis. Bihar Engineering University, Patna.
Connect on LinkedIn →Scattered Data, Made Clear. Every Single Time.
Your CFO in Your Pocket. MIS one-pager of Your Business. Anytime. Anywhere.
Fractional CFO. FP&A. Forensic Finance. Automation. Training.
Scattered Data → Clear MIS Reporting → Visibility and Clarity.
Cash Position. Cash Vs Profit. Variance Flag. Inventory Management. Working Capital. Today's Decisions.
A short diagnostic reveals where your biggest visibility gap is — cash, inventory, costing or controls. Free. Ten minutes. No obligation.
Two ways in: the Free Diagnostic is a 10-minute self-assessment. The 5-Gap Financial Diagnostic is a personalised review of your actual numbers.
Start the Free Diagnostic →Want it personalized to your real numbers? Get your free 5-Gap Financial Diagnostic Report →
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Know a founder who needs this? Send them a Fin-vite — that's how most conversations here start.