The Financial Partner Your
Business Has Been Missing
We exist because most growing businesses are making high-stakes financial decisions without the right guidance. Data Dividends was built to change that — bringing CFO-level thinking to founders and SMEs who need clarity, not complexity.
The Journey Behind Data Dividends
From recognising a gap in how SMEs access financial thinking to building a brand around data-driven decision-making — here is how Data Dividends came to be.
First Steps in Financial Advisory
[REPLACE] Kovarthan's entry into the world of financial analysis and advisory — the roles, the industries, and the early observations about how SMEs struggle with financial clarity.
Seeing the Gap Up Close
[REPLACE] The moment Kovarthan clearly saw the structural problem — SMEs generating data they couldn't use, making high-stakes decisions without financial guidance, and having no accessible alternative to a full-time CFO.
Building the Analytical Foundation
[REPLACE] Deepening expertise in FP&A, ratio analysis, MIS design, and strategic financial planning — building the toolkit that would eventually power Data Dividends' advisory model.
Choosing to Focus on SMEs
[REPLACE] The deliberate decision to build a brand exclusively for founders and SME owners — not large corporates, not retail investors — and to position financial advisory as a decision-making partnership rather than a compliance service.
Data Dividends Is Born
[REPLACE] The founding of Data Dividends Consultancy Services — a brand built on the belief that data is an asset, clarity is the dividend, and every growing business deserves CFO-level financial thinking without the full-time cost.
We don't just manage your finances — we engineer the conditions for your next dividend.
Meet Kovarthan Logaratchagan
Kovarthan is a financial analyst and strategic advisor with a deep focus on helping SMEs and startups make better, data-driven decisions. With hands-on experience across financial planning and analysis, business strategy, and management reporting, he has spent years understanding the financial challenges that growing businesses face — and building practical systems to solve them.
What drew him to the VCFO model was a recurring pattern he observed: businesses with real potential, being held back not by ambition or effort, but by a lack of structured financial thinking. Data Dividends is his answer to that gap — a consulting practice built on the belief that every founder deserves clarity, not just compliance.
Built with a Long-Term Purpose
Two commitments that shape every engagement, every recommendation, and every decision we make on behalf of the businesses we work with.
To Be the Most Trusted Financial Decision-Making Partner for the SMEs Across India
We are building towards a future where no founder in India has to make a high-stakes financial decision without structured, expert guidance — regardless of their size, turnover, or access to capital.
To Bridge the Gap Between Complex Financial Knowledge and Real-World Business Decisions
We make CFO-level financial thinking accessible to every founder — translating data into decisions, complexity into clarity, and strategy into outcomes that actually move the business forward.
Four Values Behind
Everything We Do
These are not principles we display on a wall. They are the standards we hold ourselves to in every client engagement, every recommendation, and every conversation.
Data Over Instinct
We never rely on gut feel. Every recommendation we make is anchored in real financial data — because decisions made on evidence are consistently better than decisions made on assumption.
Evidence-BasedClarity Over Complexity
Finance is complex by nature. Our job is to remove that complexity for you — translating numbers into language that leads to action, not paralysis. If it is not clear, it is not done.
Plain LanguagePartnership Over Transactions
We are not a service you call once and forget. We invest in understanding your business deeply — so that our advice is always in context, always relevant, and always in your long-term interest.
Long-Term ThinkingPractical Over Theoretical
Financial theory stays in textbooks. We focus on what works in the real world — practical frameworks, actionable insights, and advice that a founder can implement the same week they receive it.
Real-World FocusBuilt for Founders and Business Leaders at Every Growth Stage
We work exclusively with SMEs and startups under ₹50 crore turnover — across four types of business leaders, each with distinct needs and challenges.
Making critical decisions about cash flow, burn rate, and runway without structured financial systems — often relying on instinct over data at the most fragile stage of the business.
- Runway clarity and cash flow planning
- Simple financial dashboards and tracking systems
- Step-by-step guidance on early-stage metrics
Business is growing but profits remain inconsistent. Cost structures are unclear, margins are hard to read, and the accountant's reports don't offer the strategic depth needed to scale confidently.
- Profitability analysis and margin improvement
- Financial planning systems built for SME scale
- Cost optimisation frameworks that actually work
Reports exist but aren't actionable. There's pressure to deliver growth but the financial data available doesn't translate clearly into strategic direction — leaving major decisions made in the dark.
- Decision-making frameworks using financial data
- Business performance dashboards and insights
- Strategic planning models tied to real numbers
Understands financial concepts but lacks the deeper analytical layer needed to optimise performance at scale. Wants advanced frameworks, not basics — and needs someone who can match their thinking.
- Advanced ratio analysis and FP&A frameworks
- Scenario planning and forecasting models
- Financial optimisation strategies for scale
Ready to Make Your
Numbers Work for You?
If you are a founder or SME owner looking for genuine financial partnership — not just another advisory service — a free 30-minute discovery call is the right place to start.