PROJECT LOANS + BUSINESS FUNDING — comprehensive consulting service under RBI MASTER DIRECTIONS (Project Appraisal + CMA + Priority Sector) + BANKING REGULATION ACT 1949 + COMPANIES ACT 2013 (Section 179/180/185/186) + SARFAESI ACT 2002 + IBC 2016 + MSME DEVELOPMENT ACT 2006 +...
PROJECT LOANS + BUSINESS FUNDING — comprehensive consulting service under RBI MASTER DIRECTIONS (Project Appraisal + CMA + Priority Sector) + BANKING REGULATION ACT 1949 + COMPANIES ACT 2013 (Section 179/180/185/186) + SARFAESI ACT 2002 + IBC 2016 + MSME DEVELOPMENT ACT 2006 + SEBI REGULATIONS (ICDR 2018 + LODR 2015 + AIF 2012) + FEMA 1999 + INCOME TAX ACT 1961 (Section 80-IAC + 35AD + 56(2)(viib)) + STATE INDUSTRIAL POLICIES (RIPS 2024 Rajasthan) + DPIIT STARTUP INDIA. FUNDING CATEGORIES: (1) DEBT — Term Loans (DPR + CMA + DSCR ≥1.5x) / Working Capital / LAP / Equipment / ECB / NCDs / Commercial Paper; (2) GOVERNMENT SCHEMES — MUDRA (Shishu/Kishor/Tarun/Tarun Plus) / PMEGP (subsidy 15-35%) / Stand-Up India (SC/ST/Women) / CGTMSE (collateral-free ≤₹2 CR — recently revised) / Startup India + SISFS + FFS / PLI (14 sectors) / RIPS 2024 (Rajasthan capital + interest subsidy + GST/Stamp reimbursement); (3) EQUITY — Angel / VC Series A-D / PE / Strategic / Family Offices / AIF; (4) CAPITAL MARKETS — IPO / FPO / Rights / QIP / NSE EMERGE / BSE SME / Main Board; (5) ALTERNATIVE — Invoice Finance / Convertibles / Venture Debt / Mezzanine / Crowdfunding / P2P; (6) FOREIGN INVESTMENT — FDI Automatic + Approval routes / FPI / ECB. End-to-end: Funding strategy + Scheme mapping + DPR/CMA preparation + Promoter documentation + Bank/Investor application + Pre-sanction process + Documentation + Disbursement + FEMA compliance + Implementation monitoring + Annual compliance. Landmark frameworks: Innoventive (2017 SC); Mobilox (2017 SC); Swiss Ribbons (2019 SC); Essar Steel (2019 SC); Vidarbha (2022 SC); Mardia Chemicals (2004 SC); P. Mohanraj (2021 SC); Lalit Kumar Jain (2021 SC). NOT generic ROC compliance — specialized financial consulting for funding ecosystem navigation.
Project Loans & Business Funding in Mumbai is a critical service for individuals, entrepreneurs, and enterprises operating in Maharashtra. At Nyaya Grah, we deliver this service under the direct supervision of senior counsel — never juniors masquerading — with complete process transparency and a binding money-back guarantee.
Mumbai, with its 45L+ active businesses and ₹35L+ economic footprint, demands legal infrastructure that is both fast and accurate. Maharashtra's jurisdictional nuances — including a stamp duty of 5-6% and ₹2,500/yr professional tax — require local expertise that our team brings to every engagement.
Whether you are filing your first application, navigating a complex matter, or seeking specialist counsel, our practice in Mumbai ensures every submission carries the imprimatur of seasoned review. We handle the regulatory machinery — you focus on your business.
Everything required to complete your Project Loans & Business Funding in Mumbai — bundled into a single fixed fee.
A structured four-step process designed to be transparent, predictable, and accountable at every stage.
Free 30-min consultation with senior partner. Clear quote, timeline, document checklist.
Day 0Signed engagement letter with fixed fee. Document collection begins.
Day 1Funding strategy + Stage assessment · Scheme mapping (MUDRA/PMEGP/Stand-Up/CGTMSE/Startup) · Debt vs Equity decision · Bank/Investor targeting · DPR + CMA preparation · Financial modeling + DSCR + Sensitivity · Promoter + Entity documentation · Application + Submission · Pre-sanction process + DD coordination · Documentation execution + CERSAI registration · Disbursement + FEMA compliance · Implementation monitoring + Annual compliance.
Day 2-7Comprehensive funding strategy + DPR/CMA + Sanction Letter + Loan documentation (Mortgage + Hypothecation + Personal Guarantee + CERSAI) + Disbursement coordination + Equity SHA + IPO listing (if applicable) + Annual scheme compliance + Investor relations + 6-24 month funding + Implementation lifecycle support.
FinalA typical checklist. Our team will customize this list during the consultation based on your specific case.
Jurisdictional details relevant to your Project Loans & Business Funding in Mumbai.
Fixed professional fees. Government charges quoted separately and disclosed in the engagement letter.
| Component | What's Included | Cost |
|---|---|---|
| Project Loans & Business Funding · Professional FeesSenior counsel · End-to-end service | All work above | ₹49999Fixed |
| Government FeesAuthority charges, filing fees | Pass-through | At ActualsReceipts shared |
| Stamp Duty (if applicable)Maharashtra rate: 5-6% | As per state | At ActualsQuoted upfront |
| GST on Professional Fees18% as per Indian GST | Statutory | 18%On professional fee |
All fees are disclosed in writing on the engagement letter before commencement. Money-back guarantee if we miss the quoted timeline.
Answers to questions most often posed by our clients in Maharashtra.
Our professional fee for Project Loans & Business Funding in Mumbai starts at ₹49999, all-inclusive. Government fees, stamp duty (5-6% in Maharashtra), and 18% GST are billed separately at actuals. The complete fee breakdown is disclosed in writing on the engagement letter before work begins.
The standard timeline for Project Loans & Business Funding is 7-10 working days. We provide a written timeline on the engagement letter — if we miss it for reasons attributable to us, our professional fee is fully refunded (binding guarantee).
Yes. End-to-end. From document preparation to final filing with ROC Mumbai/Pune and follow-up till certificate issuance — every step is handled by our team in Mumbai. You will receive real-time updates via WhatsApp at every milestone.
You will speak to a senior partner with 15+ years of practice. We do not have juniors masquerading as senior counsel. Every consultation, strategic decision, and material communication is conducted by a partner. Routine execution may be delegated to qualified associates — but oversight remains with the partner throughout.
A typical checklist includes PAN, Aadhaar, address proof, and service-specific documents. The complete list is customized during your free consultation. We accept digital scans (PDF/JPG) — physical visits to our office are not required.
We serve clients across Maharashtra and all of India — 1,219+ cities. Our jurisdictional expertise for Maharashtra includes specific knowledge of ROC Mumbai/Pune procedures, Maharashtra stamp duty (5-6%), and applicable state schemes such as PSI, Udyog Ratna.
Simply call +91 7878407950 or message us on WhatsApp. Your first 30-min consultation is complimentary, conducted directly with the senior partner relevant to your matter. You will leave the call with full clarity on cost, timeline, and process — with no obligation to proceed.
Every engagement at Nyaya Grah is grounded in the relevant statute. For founders and counsel reviewing this matter, here is the foundation.
PROJECT LOANS + BUSINESS FUNDING ECOSYSTEM: (1) BANKS — PSB (SBI/PNB/BoB/Canara/UBI) + Private (HDFC/ICICI/Axis/Kotak/IDFC First/Yes Bank) + Foreign (HSBC/Citi/StanChart) + RRBs + Small Finance Banks + Cooperative Banks. (2) FINANCIAL INSTITUTIONS — SIDBI (MSME + startup) + NABARD (agri-business) + NHB (housing) + EXIM Bank + IIFCL (infrastructure) + PFC + REC (power) + IRFC (railway). (3) NBFCs — NBFC-ICC + NBFC-IFC + NBFC-MFI + NBFC-Factor + Account Aggregators + HFCs + ARCs; Bajaj Finance + Cholamandalam + Mahindra + Shriram + Tata Capital. (4) RBI — banking regulator + Master Directions + Priority Sector + NBFC regulation. (5) GOVERNMENT SCHEME AUTHORITIES — PMEGP (KVIC/KVIB/DIC; kviconline.gov.in) + MUDRA (SIDBI + banks) + Stand-Up India (standupmitra.in) + CGTMSE (cgtmse.in) + Jan Samarth (jansamarth.in). (6) SEBI — capital market regulator; IPO + FPO + AIF + FPI. (7) DPIIT — Startup India + FDI + Make in India. (8) PE + VC — Sequoia/Peak XV + Accel + Nexus + Matrix + Lightspeed + Kalaari + Blume; PEs KKR + Blackstone + Carlyle + Apax + Bain + Warburg + ChrysCapital. (9) FOREIGN INVESTMENT — FDI Automatic + Approval (DPIIT) + FPI (SEBI) + ECB (RBI) + ODI (RBI). (10) NCLT + DRT + SARFAESI for distressed. (11) IBBI for IPs + IUs (NeSL). (12) ICAI + ICSI. (13) STATE INDUSTRY — RIICO (Rajasthan). (14) STOCK EXCHANGES — BSE + NSE. JAIPUR: All major Banks Rajasthan + SIDBI + NABARD + RIICO + DIC Jaipur + RBI Regional + SARFAESI + DRT Jaipur + NCLT Jaipur.
PROJECT LOANS + BUSINESS FUNDING PORTALS: (1) JAN SAMARTH (jansamarth.in) — UNIFIED GOVERNMENT LENDING; PMEGP + MUDRA + Stand-Up + CGTMSE + Education + Agri-Infra; single application + bank matching. (2) MUDRA (mudra.org.in) — Shishu/Kishor/Tarun/Tarun Plus. (3) PMEGP (kviconline.gov.in) — KVIC + KVIB + DIC + subsidy. (4) STAND-UP INDIA (standupmitra.in) — SC/ST + Women. (5) CGTMSE (cgtmse.in) — collateral-free up to ₹2 CR. (6) SIDBI (sidbi.in) — direct lending + schemes. (7) NABARD (nabard.org) — agri + rural. (8) UDYAM (udyamregistration.gov.in) — MSME. (9) STARTUP INDIA (startupindia.gov.in) — DPIIT + Seed Fund + FFS. (10) BANK PORTALS — bank-specific. (11) PSB LOANS IN 59 MINUTES (psbloansin59minutes.com) — MSME up to ₹5 CR. (12) ACCOUNT AGGREGATOR — FinVu + Setu + One Money + Anumati. (13) SEBI (sebi.gov.in) — IPO + AIF. (14) BSE (bseindia.com) + NSE (nseindia.com). (15) DPIIT (dpiit.gov.in) — FDI + Investment promotion. (16) FDI PORTAL — Investment Facilitation. (17) RBI (rbi.org.in). (18) NSE EMERGE + BSE SME. (19) AIF + VC — LetsVenture + AngelList India + Tracxn. (20) NSWS (nsws.gov.in). (21) STATE — RIICO (riico.co.in). (22) FEMA — RBI FIRMS. (23) NCLT (nclt.gov.in). (24) SARFAESI / DRT portals. (25) Startup India Seed Fund via incubators.
PROJECT LOAN + FUNDING DEVELOPMENTS: (1) CGTMSE COVERAGE INCREASED — ₹2 CRORE collateral-free (from ₹1 CR); significant relief for MSMEs. (2) MUDRA TARUN PLUS — ₹10L-₹20L added to Shishu/Kishor/Tarun framework. (3) JAN SAMARTH PORTAL (jansamarth.in) — unified government lending; single application + bank matching. (4) STARTUP INDIA EXTENSION — Section 80-IAC sunset to 31 March 2030; benefits continued. (5) FUND OF FUNDS FOR STARTUPS (FFS) — ₹10,000 cr via SIDBI for VC. (6) STARTUP INDIA SEED FUND SCHEME (SISFS) — ₹945 cr corpus for early-stage. (7) RIPS 2024 (Rajasthan) — comprehensive revision; capital + interest + GST/Stamp reimbursement; thrust sectors enhanced. (8) PLI SCHEMES expansion — 14 sectors; 4-12% incentive. (9) ACCOUNT AGGREGATOR FRAMEWORK — consent-based data sharing; FinVu + Setu + One Money + Anumati; faster KYC + lending. (10) OCEN (Open Credit Enablement Network) — cash-flow lending emerging. (11) FDI POLICY 2020 consolidated; sector updates; Press Note 3 (Apr 2020) — China-bordered approval. (12) ECB FRAMEWORK simplification — increased automatic limits; sector liberalization. (13) IBC EVOLUTION — Pre-Pack PPIRP (Sections 54A-54P) for MSMEs; Personal Guarantor Insolvency (Lalit Kumar Jain 2021 SC); homebuyers as Financial Creditors; P. Mohanraj (2021 SC) Section 14 + Section 138 NI. (14) SARFAESI continues — Mardia Chemicals (2004 SC) constitutional. (15) BSA 2023 — Section 63 electronic evidence (1 July 2024). (16) SEBI ICDR Regulations 2018 evolution — IPO; SME platforms active; DRHP digitization. (17) AIF + VC framework — Cat I/II/III matured. (18) RBI Master Directions — periodic updates on Working Capital + Project Appraisal + Priority Sector. (19) DIGITAL LENDING REGULATIONS — RBI Digital Lending Guidelines 2022. (20) PSB LOANS IN 59 MINUTES expansion — MSME up to ₹5 CR.
No vague timelines. Here's the actual phase-wise breakdown for Project Loans & Business Funding in Mumbai.
INITIAL ASSESSMENT: (1) Project + Business — existing vs greenfield + sector + investment + promoter contribution + working capital + timeline. (2) FUNDING CATEGORY — Debt / Equity / Hybrid / Capital Markets / Government Schemes. (3) ELIGIBILITY for schemes — MUDRA size + PMEGP first-gen + Stand-Up SC/ST/Women + CGTMSE Udyam ≤₹2 CR + Startup India <10 yrs + <₹100 CR + Section 80-IAC DPIIT + IMB + RIPS Rajasthan thrust sector. (4) DEBT vs EQUITY — stage + cash flow + dilution + industry + tax + flexibility. (5) Bank Selection — relationship + sector + pricing + PSB vs Private + NBFC alternatives. (6) Investor Targeting — stage + sector + geographic + strategic value + valuation. (7) CAPITAL STRUCTURE — debt-equity 2:1-3:1 manufacturing + promoter contribution + subsidy + WC. (8) Budget + Timeline — Bank Term Loan 60-180 days + Scheme 60-120 + Angel/Seed 90-180 + VC 6-12 mo + PE 9-18 mo + IPO 12-24 mo. (9) Professional Team — Financial Advisor + CA + CS + Lawyer + Senior Counsel. (10) Landmark cases — Innoventive + Mobilox + Swiss Ribbons + Vidarbha + Mardia Chemicals + P. Mohanraj + Lalit Kumar Jain.
COMPREHENSIVE DOCUMENTATION: (1) DPR — Executive Summary + Promoter Profile + Project + Industry + Market (Porter framework) + Technical + Plant + Machinery (3 quotations) + Location + Manpower + Project Cost + Means of Finance + Financial Projections 5-10 yrs + DSCR ≥1.5x + IRR + NPV + Break-even + Payback + Sensitivity + Risk + Implementation Gantt + Statutory Approvals + Annexures. (2) CMA — Operating Cycle + MPBF Method 1 (75% WC Gap) + Method 2 (current ratio 1.33x) + Method 3 (largest current asset) + Quarterly projections + Industry benchmarking + Stress testing. (3) Financial Statement Preparation — Provisional + Projected 5-10 yrs + CA-certified historicals (3 yrs) + GST + ITR + Bank statements. (4) Promoter Documentation — Comprehensive CV + CA-certified net worth + Personal ITR + Bank statements + Track record + Family/Group. (5) Entity Documentation — Constitution + Udyam + DPIIT + Audited + GST + Licenses + Board Resolutions for borrowing. (6) Security Analysis — Primary (hypothecation + mortgage) + Collateral (75-150% of loan) + Personal/Corporate Guarantee + CERSAI + Insurance. (7) For Equity — Information Memorandum — business + industry + business model + revenue + unit economics + competitive + team + financials + use of funds + valuation + Term Sheet expectations. (8) For PE/VC — DD pack (Financial + Legal + Technical + HR + Tax + IP). (9) For IPO — DRHP/RHP with merchant bankers + SEBI ICDR. (10) Professional Certifications — CA + CS + Engineer/Architect + ICAI Standard SA 540.
SUBMISSION + APPRAISAL: (1) APPLICATION — Bank Term Loan (branch + zonal + DPR) / Working Capital (CMA) / PMEGP (kviconline) / MUDRA (bank/MFI/Jan Samarth) / Stand-Up India (standupmitra) / CGTMSE (MSME-lending bank) / Startup SISFS (startupindia) / Angel-Seed (networks + pitch deck + IM) / VC (multi-round + data room + DD) / PE (IM + Term Sheet + DD) / IPO (DRHP + SEBI + Stock Exchange + Merchant Bankers) / ECB (RBI through AD Cat-I bank + Form ECB). (2) BANK APPRAISAL — Pre-sanction site visit + Promoter interview + Technical + Financial (CMA + ratios + DSCR) + Legal verification + CIBIL Report + CGTMSE verification + RBI compliance. (3) INVESTOR DD (PE/VC) — Initial screening + management meetings + FDD/LDD/TDD/HRDD/Tax DD (60-120 days) + Reference checks + Site visits + IP audit + Valuation + Term Sheet to Definitive Agreements. (4) QUERIES — bank/investor queries + additional docs + restructuring + senior consultant. (5) SANCTION — Branch + Zonal + Head Office + SANCTION LETTER. (6) TERM SHEET → DEFINITIVE — SHA + SSHA + Investor Rights + Drag/Tag/Pre-emption/Anti-dilution + ESOP + Board + Reserved matters + Information rights. (7) POST-APPROVAL DOCUMENTATION — Loan Agreement + Mortgage + Hypothecation + Personal Guarantee + Stamp Duty + CERSAI + Insurance + Pre-disbursement + Disbursement. (8) For IPO — Roadshows + Anchor Investor + QIB/NII/Retail bidding + Allotment + Refund + Listing + Stabilization. (9) Compliance Coordination — periodic reporting + annual scheme + Section 80-IAC + PLI claims + FEMA + LODR.
DOCUMENTATION + DISBURSEMENT: (1) DEBT DOCUMENTATION — Loan Agreement (state-stamped Rajasthan ₹500-1,000) + Mortgage Deed (Equitable/Registered; 1-7% of property) + Hypothecation Deed (movables; CERSAI) + Personal Guarantee + Corporate Guarantee + Promissory Note + Post-Dated Cheques (Section 138) + NACH + Insurance Assignment + Affidavits. (2) CERSAI REGISTRATION — within 30 days + CERSAI ID + charge modification + satisfaction + public search. (3) STAMP DUTY — Rajasthan rates + E-Stamping SHCIL + Registration. (4) EQUITY DOCUMENTATION — SHA + SSHA + Board + GM Resolutions + Share Allotment + Stamp Duty share issue (0.005%) + Form PAS-3 within 30 days + Register of Members + MGT-14 + FEMA FC-GPR within 30 days + DEMAT credits NSDL/CDSL. (5) DISBURSEMENT — Term Loan lump sum/tranche + WC CC/OD activation + Equity allotment + IPO listing + trading. (6) PRE-DISBURSEMENT — approvals + insurance + security creation + end-use + promoter contribution. (7) IMPLEMENTATION — land/lease + construction + plant + machinery + statutory + trial production + COD + WC activation. (8) PERIODIC REPORTING — Monthly/Quarterly + Site inspection + Drawdown + MIS + Compliance certificates. (9) ANNUAL COMPLIANCE — PMEGP 3-year + Stand-Up handholding + RIPS annual + Section 80-IAC + PLI periodic + ECB Form ECB-2 + FDI FLA Annual Return.
POST-FUNDING SUPPORT: (1) IMPLEMENTATION MONITORING — As per DPR + Periodic reports + Site inspections + Drawdown + Cost/Time overrun management + COD achievement + WC activation. (2) PERIODIC REPORTING — Quarterly + Annual MIS + Stock Statements + Receivables aging + Annual review + Insurance renewal + Statutory compliance + Promoter undertaking + Asset valuations. (3) SCHEME COMPLIANCE — PMEGP 3-year continuation (subsidy claw-back) + Stand-Up handholding + employment + CGTMSE Annual Guarantee + RIPS Investment + Employment reporting + Section 80-IAC ITR + IMB + PLI + FDI FLA + ECB end-use. (4) WORKING CAPITAL — Annual CC/OD renewal + Drawing Power + Bill discounting + LC + Cash management. (5) DEBT SERVICING — Timely payments + DSCR monitoring + Early Warning Signals + Restructuring + OTS + Pre-payment evaluation. (6) EQUITY INVESTOR RELATIONS — Quarterly/Annual board + Information rights + Reserved matters + Anti-dilution events + Drag/Tag + Subsequent rounds + Exit planning. (7) ADDITIONAL FUNDING — Enhancement limits + Supplementary term loans + Subsequent equity + Convertible bridge + WC enhancement. (8) DISTRESS MANAGEMENT — Early Warning Signals + Restructuring (RBI 5/25 + S4A + Project Restructuring) + OTS negotiation + SARFAESI defense + DRT + IBC navigation (Section 7/9/10 + moratorium + CIRP + Resolution Plan) + Senior counsel + IP engagement + ARC negotiations. (9) FOREIGN FUNDING — ECB compliance + FDI repatriation + Transfer pricing + Currency hedging. (10) PRE-IPO/IPO READINESS — Corporate governance + Audit committee + Compliance + IR + DRHP + Roadshows + Listing. (11) M&A — Sell-side preparation + Acquirer + Definitive agreements + Integration.
Most counsel quote one number. We show you what goes where, so there is nothing to discover later.
| Component | Amount | Note |
|---|---|---|
| DEBT FUNDING ARRANGEMENTS | ||
| MUDRA Loan (Shishu/Kishor/Tarun/Tarun Plus) | ₹4,999 – ₹19,999 | Collateral-free up to ₹20 LAKH |
| Bank Working Capital (CMA + arrangement) | ₹19,999 – ₹99,999 | CC/OD/Bill Discounting/LC |
| Bank Term Loan (small ₹10L-₹1CR) | ₹14,999 – ₹49,999 | DPR + CMA + application |
| Bank Term Loan (medium ₹1-10 CR) | ₹49,999 – ₹2,99,999 | Comprehensive DPR + Senior consultant |
| Bank Term Loan (large ₹10 CR+) | ₹2,99,999 – ₹9,99,999 | Complex; multiple banks + syndication |
| CGTMSE arrangement (collateral-free ≤₹2 CR) | ₹14,999 – ₹49,999 | Udyam-registered MSME; recently revised |
| PMEGP arrangement (₹10-50L) | ₹14,999 – ₹49,999 | KVIC/KVIB/DIC; subsidy 15-35% |
| Stand-Up India (SC/ST/Women ₹10L-₹1CR) | ₹19,999 – ₹99,999 | Greenfield + Composite Loan |
| ECB (External Commercial Borrowings) | ₹99,999 – ₹9,99,999 | Foreign currency; RBI framework |
| Restructuring + One-Time Settlement | ₹49,999 – ₹9,99,999 | For distressed loans |
| EQUITY FUNDING ARRANGEMENTS | ||
| Angel Round arrangement | ₹49,999 – ₹2,99,999 | ₹10L-₹5CR typical |
| Seed Round (SISFS + Angels) | ₹99,999 – ₹4,99,999 | Up to ₹50 LAKH via incubators |
| VC Series A | ₹2,99,999 – ₹14,99,999 | ₹5-50 CR typical; DD |
| VC Series B/C | ₹4,99,999 – ₹29,99,999 | ₹50-500 CR; multi-investor |
| PE Investment | ₹9,99,999 – ₹99,99,999 | ₹50-5000 CR+; growth + buyouts |
| Strategic Investment | ₹4,99,999 – ₹49,99,999 | Industry players + synergy |
| CAPITAL MARKETS | ||
| SME IPO (NSE EMERGE / BSE SME) | ₹9,99,999 – ₹49,99,999 | ₹5-100 CR typical |
| Main Board IPO | ₹49,99,999 – ₹4,99,99,999 | ₹100 CR+; SEBI ICDR |
| FPO + Rights Issue | ₹4,99,999 – ₹29,99,999 | For listed entities |
| QIP (Qualified Institutional) | ₹4,99,999 – ₹19,99,999 | Institutional placement |
| DPR + CMA PREPARATION | ||
| Project Profile (5-15 pages) | ₹4,999 – ₹14,999 | For MUDRA + small loans |
| Standard DPR (50-100 pages) | ₹14,999 – ₹49,999 | For ₹10L-₹1CR term loans |
| Comprehensive DPR (100-200 pages) | ₹49,999 – ₹99,999 | For ₹1-10 CR projects |
| Bank CMA Report | ₹9,999 – ₹49,999 | RBI standard; working capital |
| Information Memorandum (IM) | ₹49,999 – ₹2,99,999 | For equity rounds + investors |
| POST-FUNDING SUPPORT | ||
| Annual scheme compliance + Claims | ₹9,999 – ₹49,999/yr | PMEGP + RIPS + 80-IAC + PLI |
| Working Capital renewal + MIS | ₹19,999 – ₹99,999/yr | Annual renewal + reporting |
| Investor Relations (equity) | ₹49,999 – ₹9,99,999/yr | Board meetings + reports |
| Subsequent round preparation | ₹2,99,999 – ₹19,99,999 | Series B/C bridge financing |
| GOVERNMENT FEES (PASS-THROUGH) | ||
| Udyam Registration | FREE | Online |
| DPIIT Recognition | FREE | startupindia.gov.in |
| Bank Processing Fee | 0.5-2% loan | Pass-through |
| CGTMSE Annual Guarantee Fee | 1-2% | Pass-through |
| SEBI Filing Fee (IPO) | 0.1% issue + ₹25K min | Pass-through |
| Stock Exchange Listing | 0.025-0.075% issue | Pass-through + Annual fees |
| Stamp Duty Loan Agreement (Rajasthan) | ₹500 – ₹1,000 | Pass-through |
| Mortgage Stamp Duty | 1-7% property value | Pass-through; state-specific |
| PROFESSIONAL FEES (PASS-THROUGH) | ||
| CA Certification | ₹4,999 – ₹49,999 | Pass-through |
| Lawyer for documentation | ₹9,999 – ₹99,999 | Pass-through; SHA + Loan docs |
| Investment Banker (large deals) | 1-5% transaction | Pass-through; mid-large deals |
| Merchant Banker (IPO) | 2-5% issue size | Pass-through; lead + co-managers |
| Auditor Restatement (IPO) | ₹4,99,999 – ₹49,99,999 | Pass-through; 3-5 year restatement |
| Forensic Audit (distressed) | ₹99,999 – ₹9,99,999 | Pass-through; distressed cases |
| Industry research reports | ₹19,999 – ₹2,99,999 | Crisil/Care/ICRA/IBEF |
Total estimate from 49999 · final fee depends on entity size, document readiness, and city-specific stamp duty (see local jurisdiction above).
From hundreds of engagements, here are the patterns that cause founders and businesses to come back to us in distress. Avoid these and you've already won 70% of the matter.
MUDRA / PMEGP / Stand-Up India / CGTMSE / Startup India + State subsidy — significantly different eligibility + benefits. Comprehensive mapping essential.
Banks demand comprehensive DPR — Market + Technical + Financials + DSCR ≥1.5x + Sensitivity + Risk. Generic = rejection or delays.
Key bank ratio. DSCR = (EBITDA + Depreciation) / (Interest + Principal). Must be maintained throughout repayment.
Stage + cash flow + dilution + tax + flexibility drive choice. Manufacturing typically debt-heavy (2:1 or 3:1); Services + Tech equity-heavy.
Typically 20-30% minimum. Some schemes higher (PMEGP). Documented sources essential.
CGTMSE collateral-free up to ₹2 CR available. Many borrowers unnecessarily pledge collateral. Strategic CGTMSE use essential.
For Udyam-registered micro/small — collateral-free up to ₹2 CR. Banks may not invoke; borrower must specifically request.
CA-certified net worth + ITR (3 years) + Educational + Track record. Comprehensive presentation essential.
100% tax exemption 3 of 10 years (DPIIT + IMB). Savings ₹50L-5CR+. Must apply through IMB.
Rajasthan capital + interest subsidy + GST/Stamp reimbursement. Thrust sectors + employment-linked. Significant project viability impact.
FC-GPR within 30 days + FLA Annual Return + ECB-2 monthly + Press Note 3 (China-bordered) prior approval. Non-compliance = penalties.
Drag-along + Tag-along + Anti-dilution + Liquidation preference + Reserved matters — significant implications. Senior counsel essential.
For distressed — Section 7/9/10 IBC + Section 14 moratorium + Section 13 SARFAESI + Personal Guarantor framework critical.
Annual scheme compliance (PMEGP 3-year + RIPS + 80-IAC + PLI + FEMA + LODR) — non-compliance = benefit forfeiture + penalties.
These are the signals — observed across the profession — that your money and matter are about to be handled poorly. We list them so you can vet anyone, including us.
Not the polished 5 — the 15 that come up in real consultations. Click any to expand.
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