Industry · Manufacturing
A Virtual CFO who already speaks Manufacturing.
Manufacturing in India runs on 70–110 day working-capital cycles, 15–22% gross margins on contract work, and endless GST refund files. Founders here don't need generic finance advice — they need someone who can read a BOM, sign off on standard costing variances, chase an RFD-01 with the range officer, and negotiate a cash-credit renewal without giving away the collateral. That's the practice. We run monthly closes with plant-level P&L, weekly working-capital reviews, and quarterly WC-instrument benchmarking so borrowing cost stays honest.
At a glance
- Industry
- Manufacturing
- Typical margin norm
- 15–22% GM (contract), 28–40% (branded)
- Working-capital cycle
- 70–110 days (healthy MSME range)
- Funding routes we run
- Cash credit · packing credit · bill discounting · TReDS · PSB-59
- Response SLA
- 2 working hours
Deliverables that matter here
Sector-shaped, not stitched on.
Plant-level costing
Standard costing framework with monthly rate/mix/yield variance analysis. Built with your production team, not around them.
Working-capital war room
Weekly DSO/DPO/inventory-days review. AR ageing chase list. Quarterly WC-instrument benchmarking against market to refinance where it pays.
Export finance & GST
LUT, RFD-01, packing credit, BRC realisation, and range-officer follow-through. Median GST refund realisation of 65 days across our book.
Case · anonymised
₹42 Cr auto-components manufacturer, NCR — WC days cut from 128 to 84 in 7 months
The plant was healthy on margin (19% GM) but strangled on cash. We built weekly AR chase lists, tightened credit terms with three top customers, moved slow-moving inventory to a factoring facility, and re-priced the CC line at 9.15% (from 10.6%). WC cycle dropped to 84 days by month seven, releasing ₹5.1 Cr of trapped cash without a single price increase.
Answers
Manufacturing — questions we get most
70–110 days is the healthy range for most MSME manufacturers: 45–60 days inventory, 45–60 days debtors, 30–45 days creditors. Anything above 130 days signals the WC line is subsidising customers, not funding growth.
Next step
A 30-minute call, manufacturing on the whiteboard.
We'll show you the MIS pack we'd build for a company your size, before you commit to anything.