The CFO desk

Is the quarter tracking — and if not, where exactly is it leaking?

The management view a CFO signs off on: live from the ERP, reconciled, every figure traceable — and a desk that tells you what moved before the board asks.

Live today running in client systems Prototype built and demonstrable Can be built designed, ready to scope

Fig. 1 — How the CFO desk works — sources are pulled in, experts' rules and deterministic code produce every figure, and only then does AI explain it.

Live today

Margin bridge

Why did gross margin come in 60 bps under plan?

Walks plan to actual one driver at a time, each bar traced to ledger lines
A three-line read beneath it says what moved, with the number first
Drill any bar into the customers, products or cost heads behind it

Gross margin bridge Q2 FY27 · plan → actualDemo

Base oil — input cost up 7.8% QoQ and only half passed through; cost 90 bps
Pricing — the 1 Aug list-price increase recovered 40 bps
Mix — industrial oils rose to 24% of volume, adding 20 bps

Can be built

13-week cash forecast

If customers pay a week late, do we touch the overdraft?

Built from real receivables, payables, GST, payroll and loan schedules
Stress it with the question you'd actually ask — try the slider
Warns weeks ahead when the trough crosses your facility limit

Cash position next 13 weeks · ₹ CrWorking model

Customers pay later by7 days

Lowest balance₹0.7 Cr

WhenWeek 6

Overdraft usedNot needed

Opening cash ₹42 Cr · receipts ₹25.1 Cr a week · GST, salaries, an import LC and advance tax fall due as scheduled.

Funded from cash

Live today

Working capital

How much cash did the quarter tie up, and who is holding it?

DSO, DIO and DPO from the ageing reports, not from year-end estimates
Six quarters of trend beside every figure
Converts a change in days straight into rupees tied up

Working capital Q2 FY27 · daysDemo

Receivable days61+4 QoQ

Inventory days48−1 QoQ

Payable days39−1 QoQ

Cash cycle70+4 QoQ

4 more days of cash cycle = ₹14.3 Cr tied up. Three North distributors now over 90 days account for ₹9.6 Cr of it.

Sparklines show the last six quarters, Q1 FY26 to Q2 FY27.

Live today

Peer benchmarks

Are we better or worse than the companies we get compared with?

Listed peers' reported numbers, restated on your definitions
Rank and gap on the metrics analysts actually quote
Refreshes automatically when a peer files results

EBITDA margin vs listed peers trailing twelve monthsDemo

Titan Oils10.2%

Phoenix Lubes9.1%

Meridian7.9%

Surya Oils7.4%

Global Oil6.8%

Precision5.9%

Bars on a 0–12% scale. Black tick marks the peer median, 7.4%.

Return on capital employed16.1% · rank 3 of 6Peer median 14.9%

Receivable days (lower is better)61 · rank 4 of 6Peer median 59 days

Can be built

Covenant headroom

How close are we to a lender's trip-wire — and when would we cross it?

Each covenant computed the way the loan agreement defines it
Projects headroom forward on the current run-rate
Alerts the CFO a quarter before a breach, not after the certificate

Covenant headroom term loan · tested quarterlyDemo

Covenant	Actual	Limit	Headroom
Net debt ÷ EBITDA	1.9x	≤ 2.5x	24%
Debt service cover	1.60x	≥ 1.25x	22%
Current ratio	1.42	≥ 1.20	15%

Headroom on a 0–50% scale; the tick marks the 15% early-warning line.

If receivable days stay at 61 through Q4, net debt ÷ EBITDA reaches 2.3x and headroom falls to 8%.

Can be built

Month-end close

What is holding up the close, and who owns it?

Every close task with an owner, a due day and its dependencies
Blockers surface with the reason, not a red cell
The management P&L locks only when the checks pass

September close day 3 of 5Demo

2 of 6 tasks complete33%

✓Bank reconciliationsTreasury · 14 accounts, 0 unmatchedDone

✓Revenue cut-off reviewSales ops · 38 invoices checkedDone

Inventory valuationPlant accounts · due day 3In progress

Provisions and accrualsFP&A · due day 4In progress

Depot transfer eliminationsGroup reporting · transfer pricing file missingBlocked

Management P&L sign-offCFO · waits on the four aboveNot started

Agents on this desk

What watches the numbers while you don't.

Live today

MSME 45-day watch

Flags bills to registered small vendors before and after the statutory limit.

→ Payables

Live today

Overdue payables

Raises what's overdue and what falls due before the next payment run.

→ Payables

Prototype

Vendor balance confirmations

Prepares every vendor's quarter-end statement for review and sending.

→ Accounts

Can be built

Covenant early warning

Warns a quarter ahead when projected headroom drops below 15%.

→ CFO

Next desk

Sales Desk →

Is the quarter tracking — and if not, where exactly is it leaking?

Margin bridge

13-week cash forecast

Working capital

Peer benchmarks

Covenant headroom

Month-end close

What watches the numbers while you don't.

MSME 45-day watch

Overdue payables

Vendor balance confirmations

Covenant early warning

Pick the screen you wish you had on Monday.

Tell us the decision you're trying to make.