Cost & Finance
Bank-ready numbers. Sanctioned capital. Healthier margins.
Cost structure analysis, bank-ready project reports, government scheme advisory, and live financial dashboards — productized for Indian MSMEs.
Why this matters
Built for Indian MSMEs who outgrew templates, but not ready for Big-4
We're not ₹399 templates.
Automated DPR factories get your form filled. They don't get your loan sanctioned. Credit committees reject 40%+ of templated DPRs for inconsistencies, missing IDC computation, or revenue projections that don't match GST filings. Every DPR we deliver is reviewed and signed by a Cost Accountant.
We're not Big-4 either.
Deloitte, KPMG, and BDO charge ₹2.5-15 lakh for the same architectural work we deliver for ₹60,000-₹2.5 lakh. The difference isn't quality. It's partner-hour bloat, multi-layer review overhead, and office rent in Vibgyor Towers. Our model skips all three.
We serve the boutique middle.
₹2-20 crore revenue. 10-300 employees. Hungry for a bank loan, a fundraise, or a cost system that doesn't leak margin. That's our ICP. That's who the 4 packages below are built for.
The 4 Cost packages
Pick your package.
Pick the package that matches your stage. Every package includes a kickoff call with Dr. Babu, bank-format / RBI-format documentation, and a founder walkthrough on delivery. Prices are ex-GST. Payment: 50% on kickoff, 50% on delivery.
Your first bank loan, ready in 3 weeks.
Everything a solo founder needs to walk into a bank with a ₹10L–₹75L MSME loan application that won’t get bounced.
Who this is for
- Solo founders or MSME promoters applying for their first term loan
- PMEGP / CMEGP / Mudra / Stand-up India scheme applicants
- First-time Udyam registrants
- Ticket size: up to ₹75 lakh facility
Deliverables
- 1× Detailed Project Report (DPR) — bank-grade
- 1× MSME Udyam Registration + compliance kit
- 1× Government Subsidy Scheme Eligibility Report
- 1× Startup Pitch Numbers (3 slides)
- 1× Founder walkthrough call (60 min)
Payment: ₹12,500 on kickoff, ₹12,500 on delivery. Revisions: 1 round of minor revisions included. Loan sanction is bank-dependent; we guarantee the documentation, not the outcome.
Bank-ready loan pack + investor-ready model + deck. All in 4 weeks.
For founders running two tracks at once — an MSME loan and a fundraise. One engagement. One set of consistent numbers. Zero inconsistencies between your bank file and your investor deck.
Who this is for
- Seed-stage startups (₹2–10 crore revenue) raising a pre-seed / seed round + bank facility
- MSMEs applying for ₹50L–₹2 Cr working-capital facility
- Founders who’ve outgrown template tools but can’t justify a CA firm retainer yet
Everything in Starter, plus:
- 1× CMA Data Report (Tandon II / Chore format)
- 1× Startup Financial Model (3-statement, 5-year)
- 1× Investor Pitch Deck — financial slides (8–10 slides)
- 1× Vertical Excel Template (pick one)
- Complimentary: Market Research Brief (5-page India-specific summary)
Payment: ₹25,000 on kickoff, ₹25,000 on delivery. Includes 1 revision round. Model is editable and yours to keep.
Scale with systems. Costing + CFO + Loan access — for the next 12 months.
For growth-stage startups and MSMEs who’ve moved past “getting the first loan” and now need cost systems that don’t leak margin, monthly CFO eyes on the numbers, and ongoing bank-loan runway.
Who this is for
- Growth-stage startups (₹5–25 crore revenue, seed / Series-A funded)
- MSME manufacturers scaling up — ₹1–5 crore loan + systems + CFO layer
- Companies without a full-time CFO, without a formal costing system, or both
Everything in Professional, plus:
- 1× Costing System Design — MSME (ICMAI CAS-compliant)
- 3-month Startup CFO Retainer (C07)
- 1× End-to-End Bank Loan Application (C16)
- Complimentary: Value Chain Analysis (10-slide exec deck)
- Full Market Research Report (15-20 page PDF)
Payment: ₹30,000 on kickoff, ₹40,000 at costing system handover, ₹30,000 at end of CFO retainer period. Retainer auto-converts to month-to-month at ₹35,000/month after the 3-month bundle unless cancelled in writing.
Statutory cost audit + full finance architecture — for companies serious about compliance.
For mid-sized manufacturers covered under Section 148 of the Companies Act — or fast-growth companies who need a board-grade finance stack (cost audit, costing system, CFO retainer, loan arm, strategic research) in one engagement.
Who this is for
- Companies covered under Sec 148 Companies Act (regulated sectors: pharma, sugar, steel, cement, power, telecom — at Table A or Table B turnover thresholds)
- Mid-market manufacturers (₹100 Cr+ turnover) preparing for board-grade audit posture
- Fast-growth companies (Series-B+) needing full finance-function outsourcing
Everything in Premium, plus:
- 1× Statutory Cost Audit — CRA-1 / CRA-2 / CRA-3 / CRA-4
- 1× Full Value Chain Analysis (not the complimentary teaser)
- 6-month Startup/Growth CFO Retainer
- 1× Multi-scheme Subsidy Report (up to 4 schemes)
- Quarterly Review + Strategy Offsite
Payment: 4 milestone-linked installments (kickoff, costing system handover, cost audit filing, end of retainer period). Retainer auto-converts to month-to-month at ₹60,000/month after the 6-month bundle. Separate professional indemnity insurance carried on all Sec 148 engagements.
Pricing & comparison
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FAQ
Questions, answered.
Because a ₹5,000 template gets your form filled. A ₹25,000 CMA-signed DPR gets your loan sanctioned. Credit committees reject template DPRs at roughly 40%. A rejected file costs you 3-6 months of lost working capital, a negative credit inquiry, and often a higher interest rate when you re-apply. The math works out in favour of a ₹25,000 DPR every time.
No — and any consultant who tells you they do is lying or about to get flagged by ICMAI. We guarantee the documentation meets RBI / bank format standards, passes credit-committee due diligence on format, and aligns with your GST and audited financials. Sanction depends on your credit profile, the bank’s portfolio concentration, and your collateral — none of which a consultant controls.
Yes. If you decide during kickoff or within 2 weeks of kickoff that you need the Professional tier, we credit your Starter payment 1:1 against the Professional price. After week 3, upgrades are treated as fresh engagements.
Tally and Zoho execute the accounting. Our Costing System Design architects what you capture, how it maps to cost centres, and what reports your ERP vendor configures. Tally won’t design your cost-account chart for you. Your ERP vendor won’t either. That’s the gap we fill — and it’s where 70% of MSMEs leak margin silently.
Yes. We deliver pan-India digitally. Bengaluru is our physical base (Dr. Babu is on-site there), and we’ve delivered in Mumbai, Delhi NCR, Hyderabad, Chennai, Pune, Ahmedabad, and Kochi. Delivery timelines don’t change with geography.
Yes — all prices are ex-GST. 18% GST applies as per current rates. Invoicing is issued by WABS Cost Consultancy Pvt. Ltd., GSTIN provided on engagement.
We accept à la carte engagements for specific deliverables (DPR standalone, CMA standalone, Cost Audit standalone, etc.) at the individual service price. Packages are 15-30% better value once you need 2+ deliverables in the same engagement.
Kickoff call within 48 hours of signed engagement letter. Work begins once we receive the initial 50% payment and the Data Request List is responded to.
Hiring, setting up payroll, or staring down the April 2026 Labour Codes?
Every company that buys a Cost package eventually needs HR compliance. Every HR engagement eventually needs a finance architecture. Costway serves both — as one firm, one set of consistent numbers, one partner.
See our HR packages