Suraj Kumar Lohani — Fractional CFO
Free Diagnostic
For FMCG & Distribution

The CFO That Catches What FMCG Margin Leaks Every Day.

Distributor schemes, expiry-driven inventory, returns that don't add up — FMCG margin doesn't disappear all at once, it leaks a little every single day. A one-page MIS closes that gap every morning.

Built on 22+ years of hands-on Excel & MIS work.

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Where the Money Actually Hides

The gaps this industry keeps rediscovering the hard way

LL4
Marketplace and distributor margin leakage — scheme claims, trade discounts and rebates that quietly erode margin nobody is reconciling line by line.
Marketplace Margin Leakage
LL7
Returns fraud — goods marked returned or damaged that were never actually returned, surfaced through pattern detection rather than manual audit.
Returns Fraud
₹37L
Returns fraud surfaced on one marketplace portal through margin-leakage pattern detection. The manager later admitted ₹1.25 crore diverted over three years.
India · E-Commerce
Typical Finance Blind Spots We Find

What ordinary reports tend to miss in this industry

Each one looks fine on the report and costs money underneath. See all six kinds of Finance Blind Spot →

Scheme and margin leakage
Trade schemes and discounts that eat margin without showing up as one clear line.
Profit & Margin blind spot
Expiry-driven inventory
Stock close to expiry, held in the wrong place, written off after the cash is already gone.
Working Capital blind spot
Returns and credit-note gaps
Returns and credit notes that do not reconcile to the goods or the claim behind them.
Control blind spot
How This Closes The Gap

Fractional CFO support, applied to your industry

1

Scheme & Claim Verification

Distributor scheme claims and trade discounts checked against actual sell-through, not just paperwork.

2

Expiry-Aware Inventory

Short shelf-life stock tracked by expiry window, so write-offs are caught early, not discovered at month-end.

3

Returns Pattern Detection

Returns and damage claims checked for pattern anomalies — flagged for review, never overclaimed as fraud.

4

One Page, Every Morning

Cash, margin and inventory — delivered on WhatsApp, Email or Slack, before your first meeting.

Free Diagnostic

Find out what your data isn't telling you yet

A short diagnostic reveals where your FMCG business's biggest visibility gap is — schemes, expiry stock, returns or working capital. Free. Ten minutes. No obligation.

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