Dhruv Agarwal

About Dhruv Agarwal

I am a Chartered Accountant in public practice, working with growing businesses to bring structure, clarity, and discipline to their finance function.As businesses expand, compliance increases, transactions multiply, and financial decisions become more critical. Without proper systems, even profitable businesses lose visibility over cash flow, receivables, and tax exposure.My focus is to ensure that finance is not handled casually, but systematically.I work with clients on:• End-to-end accounting and bookkeeping• GST, TDS and direct tax compliance• Monthly MIS and financial reporting• Cash flow monitoring• Virtual CFO support for operational and strategic finance• Statutory/Tax/Internal auditsPrior to starting practice, I worked as the Assistant Finance Manager at Lulu India Shopping Mall Pvt. Ltd, gaining exposure to large-scale operational finance.I have also worked in equity research at CRISIL GR & RS (Buy Side), which strengthened my understanding of financial analysis and business evaluation.My professional background includes:• Chartered Accountancy (2021)• CFA Level I (2021)• Articleship with exposure to statutory audit, tax audit, transfer pricing, GST and internal audit• B.Com, University of MadrasI work best with business owners who value financial discipline and long-term stability.

Experience

1. Director

   Bluemark Consulting Group

   Apr 2025 — Present · Kochi, IN

   We offer a comprehensive, one-stop solution for finance and compliance requirements, including, but not limited to audit, accounting, taxation, business advisory, and secretarial compliances.

Education

• The Delta Study School

  AISSCE

  2016

• Global Public School

  AISSE

  2014

• The Institute of Chartered Accountants of India

  Chartered Accountancy

  2016 — 2021

• University of Madras

  Bachelor of Commerce - BCom, Business/Commerce, General

  2016 — 2019