1. CA. NAMAN VARMA
Dear Hiring Manager,
Thisletteristo expressmyinterestin discussingthe jobvacancyrequiringaqualifiedCharteredAccountantinyour
organization. I am a newly qualified Chartered Accountant of ICAI in NOVEMBER 2014.
I have successfully completed 3 years of articles training from “BJS & Associates. Chartered Accountants,
Ahmedabad”.
Possess skills in the fields of Accounts, Audit (Statutory, Internal and Tax Audit), Finance & Banking, General
Management and Leadership with familiarity of applying them in diverse esteemed and reputed organizations
whichinclude GujaratState Crime PreventionTrust,Gujarat State Export Corporation, Komoline, Sarangpur Bank,
Bank Of India , and many more diversified organizations.
The above statedexperiencescoupledwiththe keystrengthsthatIpossess, which include, but are not limited to,
the following:
 A fluentandarticulate communicatorwithgoodcommandinAssertive PublicSpeaking.
 A Team BuilderwithexcellentLeadershipQualitiesthrivingforcontributingtowardsthe inclusivegrowth
of organization.
 Strive forcontinuedexcellenceandperfection.
 A fastlearnerwiththe abilitytoadaptquicklytonew ideasandsituations.
 Marketing and comforting abilities.
Shall make me a competitive candidate for this position.
You will also find me to be well-spoken, energetic, confident and personable, the type of person on whom
managementcanrely andcount on duringstressful times. Ialsohave a wide breadthof experience of the type that
gives you the versatility to place me in a number of contexts with confidence that the level of excellence you
expect will be met. Please see my resume for additional information on my experience.
I hope that you will find my education, experiences and strengths captivating enough to warrant an in person
meeting, as I am confident that I could provide value to the company as member of your organization team.
I can be reachedanytime throughthe personal email addressorthe phone number I have given above. Thank you
for yourtime and consideration.Ilookforwardtospeakingwithyouaboutthisemploymentopportunityinperson.
Please find enclosed a copy of my Resume for your review.
Respectfully Yours,
CA. Kruti Shah
4 , Arihant Flat,
Bhagvan NagarTekra,
Paldi
Ahmedabad-380007(Gujarat)
Mobile: +91 99742-38349
Email: kruti2807@gmail.com
KRUTI SHAH
A.C.A. , B. Com
Chartered Accountant

2. RESUME
CA. NAMAN VARMA
Ahmedabad-380015(Gujarat)
Professional Qualification
Name of Examination Institutional Body Month and Year of Passing % Marks
CA FINAL (Group 2) ICAI November 2014 57.25
CA FINAL (Group 1) ICAI May 2014 54
CA IPCC ICAI May 2011 52.14
CA CPT ICAI June 2009 71
Educational Qualification
Course School/ College Board/ University Year % Marks
B.Com
S.M.Patel InstituteOf
Commerce GujaratUniversity 2012 71
HSC (12th) Navchetan High School Paldi,
Ahmedabad
GujaratBoard (G.S.H.E.B.)
2009 90.57
SSC (10th) 2007 84.85
Work Experience
 Pahal Financial Services Private Limited (March 2015 till date)
Pahal Financial Services P Ltd is a NBFC-MFI registered with RBI having footprints across Gujarat and Madhya
Pradesh. PAHAL is dedicated to providing sustainable financial services for rural/urban/semi urban clients, with a
target group of economically vulnerable women, on a commercially viable basis
 Handling fund raising, fund management and financial reporting of the Company.
 Responsible for finalization of accounts along with maintaining all the books of accounts of Company and related
records.
 Responsible for reconciliation between the Accounting Software (Tally ERP 9) and MIS Software (FIMO).
 Responsible for Service Tax, TDS & all other taxation aspects of the Company.
 Created new processes and systems to ensure Disbursements & Collection entries are done with practically
100% accuracy.
 Jointly responsible for managing funds efficiently to lower the effective cost of funds.
 Managing the Cash Flow of the Company with prioritizing funder payments and statutory dues
 Jointly responsible for Coordinating with funders, sending reports and all other required
 Information on time, to facilitate timely loan arrangements.
 Preparing MIS reports and all type of other monthly / quarterly reports required by funders at
post-funding stage.
 Reporting of month end financials to the Board of Directors.
4 , Arihant Flat,
Bhagvan NagarTekra, Paldi
Ahmedabad-380007(Gujarat)
Mobile: +91 99742-38349
Email: kruti2807@gmail.com
KRUTI SHAH
A.C.A. , B. Com
Chartered Accountant

3.  Core team member for strategic decision making pertaining to arranging for debt and equity financing.
 Actively involved in evaluating and suggesting business expansion plans and initiatives.
 Maximizing return on invested funds by identifying investment opportunities; maintaining relationships with
the investment community.
 Monitoring and interpreting cash flows and predicting future trends;
 Analyzing the market dynamics and changes and initiating strategies Responsible for finance, accounting, taxes,
investor relations, investments, assets/liability management.
Article-shipandTraining
I have successfully completed 3 years of articles training from “BJS & ASSOCIATES Chartered Accountants, Ahmedabad”
beginning from February, 2011 until February, 2014. The KEY assignments handled and successfully completed include:
 INTERNAL AUDITS
 Komoline , Satellite: [Company –Preparing a weather machine]
- Advising and Internal Audit
 Shree Ghantakarna Enterprise [Company –Plastic bags manufacturing]
- Balancing and Reconciliation of Inter Branch and Branch -H.O Accounts and Operational Audit
.
 STATUTORY & TAX AUDITS
 Gujarat State Export Corporation, Ahmedabad: [Company - The largest Dealer of Import Export ]
- Compliance with the requirements of The Companies Act, CARO and Accounting Standards
- Drafting Audit Report
 Guajarat State Crime Prevention Trust: [Trust – Religious Trust]
 - Preparation of Financial Statements as per The Act & other compliances
 - Preparation of the Annual Report
 Apart from the above key organisations I had been allocated a large portfolio of clients ranging from Companies,
Firms and Individuals for drafting of Tax Audit Reports and Filing of Tax Returns.
 BANK AUDITS
 Concurrent and Internal Audits :
 Bank of India, Sarangpur Bank, Syndicate Bank
 Unit Inspections & Stock Audits for ICICI Bank Limited :
- Physical Verification of Inventory, Sites & Machinery and Analysis of Stock Statements & Customer Balances
ComputerProficiencyand Other Trainings
 Working Knowledge : MS Word-Power Point-Excel, Easy tax, Tally ERP 9
 Successfully completed 100 hours of I.T. Training and Orientation Programme of ICAI, Ahmedabad
 Computer knowledge: - Ms Office, Craft Silicon, Tally 7.2, ERP 9, FIMO.

4. Personal Information
 Date of Birth : 28th July, 1992
 Gender : Female
 Father’s Name : Rakesh Shah (Businessman)
 Mother’s Name : Mona Shah (Homemaker)
 Marital Status : Engaged
 Languages Known : Read , Write, Speak : English, Hindi, Gujarati
 Hobbies & Interests : Travelling, Exploring Cuisines, Socialising, Talking with People
References
CA Ajitshah (Ex-President of ICAI)- 9824050526,9979544600
CA Urvi Dharaiya (CFO-Pahal)- 9898660893
I hereby declare that the above written particulars are to be best of my knowledge and belief.