What Artham Fintech is
Artham Fintech is a finance, accounting and business advisory firm. We work on the questions that sit above bookkeeping and below the boardroom minute: what is this business worth, will this project pay back, why has cash not converted, is this counterparty telling the truth, what should the finance function look like eighteen months from now.
The firm is headquartered in West Delhi, New Delhi, and serves clients in India, the GCC, the United Kingdom, the United States, Singapore and Australia. Our thirteen services cover transaction advisory, virtual CFO support, accounting and assurance advisory, business valuation, lead advisory, forensic investigation, digital transformation consulting, project research and feasibility studies, data analytics and business intelligence, investment research, data reconciliation, and receivables and payables management.
Those services are deliberately grouped rather than scattered. A valuation is only as good as the reconciled ledger behind it, and a cash flow forecast only as good as the receivables discipline feeding it. Keeping advisory and operations capability under one roof is what allows an engagement to move from diagnosis to execution without a handover gap.
How virtual delivery actually works
Virtual delivery is often used loosely. In our case it describes a specific operating model with four components.
Engagement pods
Work is delivered by a small assigned pod rather than a rotating queue. A pod typically pairs an engagement lead who owns the client relationship and the technical judgement, one or more preparers who build the schedules and models, and an independent reviewer who signs off before anything is released. You know who is on your file, and the same people stay on it.
Secure document exchange
Client records move through access-controlled repositories with permissions granted per engagement and per person. Documents are not exchanged through personal mailboxes or consumer messaging apps. Access lists are reviewed when a person joins or leaves a pod, and forensic and transaction engagements are ring-fenced so that information is available strictly on a need-to-know basis. Retention and return of records is set out in the engagement terms before the first file is uploaded.
Cloud accounting stacks
We work inside the systems you already run: cloud ledgers, receivables and payables workflow tools, expense and payroll platforms, and the reporting layer above them. Where a client has no stack yet, we scope one to transaction volume and reporting obligations rather than to a vendor preference, and document the chart of accounts, approval matrix and close checklist so the arrangement is portable.
Reporting cadence and time-zone overlap
Every engagement has a written calendar. For finance operations that usually means daily or weekly transaction processing, a defined monthly close timetable, and management reporting on a fixed date. For advisory engagements it means milestone dates for drafts, review calls and final deliverables. Our delivery hours are structured to give a working overlap with clients in Indian, Gulf, UK and US time zones, so that queries raised in your morning are answered within your working day rather than a cycle later. GCC 11:00–19:30 IST, United Kingdom 13:30–18:30 IST, United States (Eastern) 18:30–21:30 IST, Singapore 09:30–16:00 IST and Australia 09:30–14:30 IST
The standards and controls we work to
Our Indian engagements are framed by the Companies Act 2013, Indian Accounting Standards and Accounting Standards as applicable to the entity, the Income-tax Act, GST law, FEMA where cross-border flows are involved, and the Insolvency and Bankruptcy Code 2016 in distress situations. Valuation work references recognised valuation approaches and, where a statutory valuation is required, is coordinated with a registered valuer. Cross-border engagements are prepared with reference to IFRS or US GAAP as the reporting framework requires.
Internally, three controls apply to every file: a preparer and an independent reviewer are never the same person; assumptions, data sources and limitations are written into the deliverable itself; and any restriction on the use of a deliverable is stated on its face. We do not issue statutory audit opinions, tax filings that require a licensed signatory, or legal advice. Where a matter requires a statutory auditor, a registered valuer, a company secretary or counsel, we say so early and work alongside them. Engagements are staffed by qualified finance and accounting professionals, and work that requires a specific professional registration or membership is carried out by a professional who holds it.
Who we serve
Four groups of clients account for most of our work. Early-stage and growth companies come to us for the finance function they cannot yet justify hiring: monthly reporting a board will accept, a fundraise-ready data room, a valuation for a priced round or for ESOP purposes. Established SMEs come for operating discipline: receivables that convert, payables under control, reconciliations that close, and analysis that explains margin rather than just reporting it.
Enterprises and group finance teams engage us for defined capacity and specialist work: reconciliation programmes, forensic reviews, transformation of a reporting process, or research supporting a capital decision. Investors and lenders engage us for diligence support, investment research and portfolio monitoring where an independent view is needed.
How we differ from a local practice and from a large consultancy
A good local accounting practice is close to you, knows your compliance calendar and is inexpensive relative to its value. What it usually cannot offer is bench depth across valuation, forensic work, analytics and transaction support at once, or a delivery model that keeps pace when your volume triples in a quarter. Our model adds that depth without asking you to change advisers for every new question.
A large consultancy brings that depth and a brand that satisfies committees. It also brings a minimum engagement size, a partner who is present at the pitch and absent afterwards, and a cost base that most mid-market companies cannot defend. We are structured for engagements below that threshold, with the person who scoped your work still on it when the work is delivered.
Neither comparison is a criticism. There are engagements where a statutory auditor or a global firm is the correct answer, and we will tell you when yours is one of them.
Our values
- Evidence over assertion. Every number we give you can be traced to a source, a schedule and a stated assumption. If something is an estimate, it is labelled as one.
- Say the difficult thing early. A scope that will not work, a valuation the market will not support, a forecast built on a receivables assumption that has never held. Clients pay for judgement, and judgement includes bad news delivered in time to act on it.
- Confidentiality as an operating habit. Need-to-know staffing, controlled access and ring-fenced engagements are how the firm runs day to day, not clauses in a contract nobody reads.
- Independence of review. Nothing leaves the firm on the judgement of one person. The reviewer is authorised to hold a deliverable back.
- Do the unglamorous work properly. Reconciliations, close checklists and ledger hygiene are where most reporting failures begin. We treat them with the same seriousness as the advisory work they support.
Working with us
Engagements begin with a scoping conversation, move to a written scope, and then to a named pod with an agreed cadence. Services can be bought directly where the scope is standard, or shaped around your circumstances where it is not. Either way, you will know before work starts what you are receiving, when, and who is accountable for it.