Chartered Accountant & Company Secretary
Kanika Arora
CA & CS Certified
About Me

Meet Kanika Arora — Your Fractional CFO

What I Am Not

I am not your typical:

  • Practicing Chartered Accountant who focuses only on compliance and regulatory filings.
  • Mutual Fund Distributor chasing commissions.
  • Insurance Agent pitching products you don't need.
  • Traditional Wealth Advisor appointed by banks or institutions with limited offerings.
Who I Am

I am your Personal CFO — a custodian of your finances, a strategic financial advisor, and your go-to person for anything from estate planning to fixing complex financial challenges.

Think of me as the one who brings clarity, strategy, and direction to your financial world.

My Experience

  • Over 15+ years of leadership in finance, spanning roles as Fractional CFO, Family Office CFO, and Ex-Banker.
  • Worked with HNIs and families across net worths ranging from ₹2 crore to ₹250+ crore, ensuring growth, safety, and legacy.
  • Partnered with businesses and investors on funding projects exceeding ₹100 crore, bringing strategic insight and financial discipline.
  • Expertise in financial planning, cash flow optimization, family office setup, investor relations, and dashboard-driven decision-making.
In Simple Words
I bring the strategic depth of a corporate CFO into your business and personal life — without the overhead of a full-time hire.
Comprehensive CFO Services

Services Tailored to Your Needs

Whether you're scaling a business or growing personal wealth, I provide strategic financial leadership without the full-time cost.

For Businesses (Startups, SMEs & Growth Companies)
Financial Strategy & Planning

Budgets, forecasts, financial modeling, KPI dashboards & decision support

Fundraising & Capital Advisory

Debt/equity strategy, investor packs, pitch support, cap table management & valuation insights

Performance & Cash Flow Management

MIS packs, profitability analysis, unit economics, working capital optimization, treasury planning

Risk, Governance & Compliance

Internal controls & reporting structures, ERP/tech adoption for finance

For HNI Salaried Professionals & Families (Personal CFO Services)
Personal Finance & Wealth Strategy

Goal-based financial planning, retirement planning, salary structuring for tax efficiency

Investment & Portfolio Oversight

ROI monitoring across equity, real estate, startups, AIFs; diversification & risk management

Debt & Liability Optimization

Loan portfolio structuring, interest cost reduction strategies

Risk & Estate Planning

Insurance planning, wills & trusts, family office setup, dashboards & reporting

Explore Services

Your CFO — Without the Full-Time Cost

Strategic financial leadership that scales with your needs, backed by proven expertise and a track record of driving growth.

Strategic + Operational

I don't just prepare reports — I drive decisions.

Proven Leadership

Led finance teams of 50+ across industries.

Investor-Ready Experience

Partnered with VCs, banks, and PEs for growth capital.

Family Office Expertise

Managing wealth structuring for HNIs beyond taxation.

Dashboard-driven Insights

MIS, BI tools, and financial dashboards for clarity.

Financial dashboards Personalised Dashboard
Frequently Asked Questions

FAQs

Clear answers about how I work, data privacy, and the value you get.

Chartered Accountants are like doctors—you need to share the complete picture for us to give you the right diagnosis and solutions. Your information is treated with the highest level of confidentiality. As members of ICAI (The Institute of Chartered Accountants of India), we are bound by a strict code of ethics. Any breach of trust or misuse of client data can lead to disciplinary action, including losing our professional membership. Your trust and privacy are at the core of our relationship.

No, it is not required to share your login credentials. What we do need are your bank and investment account statements on a regular basis. We’ll review these together during a short monthly call (about 15 minutes) where we guide you on what’s important. After that, you can be stress-free, knowing your finances are being monitored and managed with care.

Unlike agents or distributors who are incentivized to sell products, we act as your personal CFO. Our role is not to push financial products but to provide unbiased, strategic, and holistic financial guidance that aligns with your goals.

A Fractional CFO provides all the benefits of having a seasoned finance leader—financial strategy, cash flow management, compliance guidance, fundraising support, and long-term planning—without the cost of a full-time CFO. You get on-demand expertise tailored to your needs.

Yes. We work as your go-to financial partner—whether it’s business planning, banking requirements, fundraising, estate planning, or resolving financial issues at a personal level.

We specialize in supporting startups and SMEs who need strong financial guidance but may not yet be ready to hire a full-time CFO. Our solutions are scalable and practical.

You can book a consultation call where we understand your needs, review your current financial position, and outline how we can support you. From there, we design a customized engagement plan.

Just like a doctor cannot treat without full medical history, we cannot provide effective solutions without complete financial details. The more transparent you are, the better we can help diagnose, resolve, and plan for your financial health.
Book a Consultation
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Think of me as your CFO — without the full-time cost.

Strategic financial guidance when you need it, with the flexibility to scale as your business or wealth grows.

Ready to Transform Your Financial Strategy?

Let’s discuss how I can help you achieve your financial goals with strategic CFO guidance.

Schedule a Consultation