AI CFO · ABC Textiles Pvt Ltd

AI Financial Intelligence

A financial analyst on your close team — explains variance, models what-if scenarios, flags margin and liquidity drift, and drafts the CFO memo for review.

ABC TextilesPrivate LimitedFY 2025-26Jul 2026

Vyapars AI · model v2.4.1 · first run pending

Exception-drivenHuman-in-the-loop

Data → AI processing → Risk & exception → Evidence → CA review → Action → Audit trail

Exception-driven workflow

Jul 2026 close · ABC Textiles

Data5
Tally · bank · GSTN · 26AS
AI Processing3
Classify · match · scrutinise
Risk & Exception2
Anomalies surfaced
Evidence7
Source documents
CA Review1
Human in the loop
Action0
Approve · fix · escalate
Audit Trail1
Every decision logged

Counts are live for ABC Textiles. Every decision you make below flows into the audit trail and rolls up to the Command Center overview.

Revenue · Jul 2026

₹6.42 Cr

+4.2%

Gross margin

31.4%

-2.1%

EBITDA margin

16.8%

-0.6%

Effective tax rate

22.4%

₹1.08 Cr provision

Working capital

54 days

benchmark 45d

Why the numbers moved — evidence behind every explanation

Variance intelligence

3 awaiting sign-off

Gross margin −2.1 pts
Open
Copper import price rose 12% in July; only 71% was passed through to customers. The FY26 pass-through floor is 75%.
Draft CFO memo with price-pass-through chart and recovery plan.
Revenue understated ₹8.4L
Open
Two credit notes reference June dispatches but were booked in July — either the recognition period is wrong or June revenue is overstated.
Reclassify to June or confirm the recognition policy with the client.
Employee cost spike ₹3.6L
In review
Salaries for 44 employees posted twice in the Surat branch ledger; the payroll export confirms a single payment.
Reverse the duplicates; narration logged for the close file.

AI scenarios on current data

What-if planner

±0.4% band

What if we…	EBITDA	Cash
Recover 60% of copper price rise from customers	+₹1.9L	+₹1.6L
Collect INV-7712 within 15 days	—	+₹12.8L
Reduce OD utilisation to 40%	+₹0.6L	+₹2.1L
Defer LoI capex to Q3	−₹0.4L	+₹8.0L

Modelled on the audited trial balance; every scenario feeds the CFO memo below.

AI-drafted · pending partner sign-off

CFO memo

Draft

Gross margin compressed 2.1 pts in July on copper-driven input inflation; recovery actions restore 1.4 pts by September. Receivables past 90 days sit at ₹12,84,000 against a policy ceiling of₹8,00,000; collection and working-capital actions for the quarter are attached.

Confidence 0.88 · refs: trial-balance-jul-2026.xlsx · variance-memo-jul.pdf

Feb 26Jul 26

Gross margin % — last six months

Human in the loop — nothing posts without an accountant

CA review queue

3 flagged

3 flagged · worst first

Exception	Party / Ref	Amount	Date	AI confidence	Status
mediumGross margin dipped 2.1 pts vs prior period Import price moved up; only 71% of the rise was passed to customers. The variance is beneath the floor used in prior reporting periods.	Raw material — copper	₹12.4 L	25 Jul	88%	open
highRevenue understated on 2 credit notes Credit notes booked in July reference June dispatches; July revenue is likely understated and June revenue overstated.	Customer — KV Traders	₹8.4 L	30 Jul	92%	open
mediumEmployee cost spike in branch ledger Salaries for 44 employees posted twice in the Surat branch ledger; payroll export shows single payment.		₹3.6 L	21 Jul	90%	review

Exception

Party / Ref

Amount

Date

AI confidence

Status

Actions

mediumGross margin dipped 2.1 pts vs prior period

Import price moved up; only 71% of the rise was passed to customers. The variance is beneath the floor used in prior reporting periods.

Raw material — copper

₹12.4 L

25 Jul

88%

open

highRevenue understated on 2 credit notes

Credit notes booked in July reference June dispatches; July revenue is likely understated and June revenue overstated.

Customer — KV Traders

₹8.4 L

30 Jul

92%

open

mediumEmployee cost spike in branch ledger

Salaries for 44 employees posted twice in the Surat branch ledger; payroll export shows single payment.

₹3.6 L

21 Jul

90%

review