Harun Raaj & AssociatesHarun Raaj & Associates
Operations & CFOHRA / OPERATIONS / FY 2026-27

Operations & CFO Services

MIS, Bookkeeping & Working Capital

Virtual CFO, MIS reporting, bookkeeping, payroll, CMA reports, working capital, TReDS, and finance ops support.

This hub is for businesses that need finance operations to run with more discipline and less rework. It combines the month-end rhythm, cash-flow reporting, and bank-facing support that growing teams usually need but do not have in-house.

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Focus Areas

What this hub covers

Virtual CFO and finance process designMIS and management reportingBookkeeping, payroll, and month-end closeWorking capital, CMA reports, and bank supportInvoice discounting and TReDS support
Statutory Anchors
Companies Act 2013Income-tax Act Section 44AAGST Rule 56ICAI Accounting StandardsInd AS framework
Lifecycle Map

Typical engagement flow

Set Up Accounts

Put the chart of accounts, closing process, and approval rhythm in place first.

Monthly MIS

Deliver dashboards, cash flow, and variance commentary every month.

Manage Cash

Use the reporting pack to guide working capital, debt, and receivable action.

Board / Bank Reporting

Convert the numbers into a lender or board-ready pack whenever needed.

Services

Related services in this lifecycle

01

CFO Services

CFO

Finance leadership support, controls, reporting, and planning for growth businesses.

02

Virtual CFO

Virtual CFO

Fractional CFO support for planning, reporting, and funding conversations.

03

MIS Reporting

MIS

Management information packs with variance commentary and trends.

04

Bookkeeping & Accounting

Bookkeeping

Books, ledgers, month-end close, and accounting hygiene support.

05

Payroll Processing

Payroll

Payroll execution, deductions, and payroll-linked compliance support.

06

Working Capital Finance

Working Capital

Receivable and payable discipline, funding analysis, and lender support.

07

Bank Credit / CMA Report

CMA

Bank loan and credit appraisal pack preparation for funding discussions.

08

TReDS Invoice Discounting

TReDS

Receivable monetisation and invoice discounting support through TReDS.

09

Project Finance / DPR

DPR

Project report and funding model support for capex and growth plans.

FAQs

Common questions

What does a virtual CFO do?

A virtual CFO supports financial planning, reporting, controls, and decision support without being a full-time employee, using the Companies Act 2013 and accounting framework as the reference point.

Why do banks ask for a CMA report?

Banks use a CMA report to assess borrowing capacity, cash flows, and working capital needs under the lending framework they follow.

Is TReDS useful for MSMEs?

Yes. TReDS is used for invoice discounting and working capital acceleration where an MSME supplier wants quicker receivables conversion.

What does Section 44AA require?

Under Section 44AA of the Income-tax Act, specified businesses and professions must maintain prescribed books of account.

What is included in monthly MIS?

Monthly MIS usually includes profitability, balance sheet movement, cash flow, receivables, payables, and variance commentary aligned with the accounting records.

Need the right filing or advisory path?

We can map the facts, confirm the statutory route, and move from draft to execution without the usual back-and-forth.

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