Loan & Subsidy Consultancy in Mohali
Get expert guidance on bank loans, government subsidies, DPR preparation, and project finance — your trusted loan consultant in Mohali.
Securing a bank loan or government subsidy is one of the most critical — and most challenging — steps in starting or scaling a business. Banks require comprehensive documentation, detailed project reports, and financial projections that meet strict underwriting criteria. Government subsidy schemes have their own complex eligibility conditions and application processes.
CA Ankush Garg & Associates offers professional loan and subsidy consultancy in Mohali — helping businesses prepare compelling loan applications, detailed project reports (DPRs), and subsidy applications that maximize approval chances. We have successfully prepared DPRs for manufacturing plants, hospitality projects, and service businesses — submitted to PBIP, DIC, Punjab government schemes, and nationalized banks.
Bank Loan Services
1. Project finance and term loan — DPR preparation
For new business setups, plant expansions, or capital expenditure, banks require a comprehensive Detailed Project Report (DPR). We prepare DPRs covering:
- Executive summary and business overview
- Market analysis and demand assessment
- Technical feasibility - plant layout, machinery, installed capacity
- Financial projections - P&L, balance sheet, cash flow for 5–7 years
- Debt-equity structure and repayment schedule
- Break-even analysis and sensitivity analysis
- DSCR (Debt Service Coverage Ratio) - calculation — key metric for bank sanction
- Promoter background and net worth statement
2. Working capital loan — CMA data
Working capital loans (CC/OD limits) require current financial statements, stock statements, debtors/creditors aging, and CMA data. We prepare the complete CMA (Credit Monitoring Arrangement) data required by all banks.
3. Mudra loan (PMMY)
Under the Pradhan Mantri Mudra Yojana, loans up to Rs. 10 lakh are available for small businesses under Shishu, Kishore, and Tarun categories. We prepare the complete application and documentation for Mudra loans.
4. MSME collateral-free loans (CGTMSE)
For MSME-registered businesses, we prepare collateral-free loan documentation under CGTMSE — enabling loans without mortgage security. This is ideal for first-generation entrepreneurs who lack immovable property as collateral.
5. Loan settlement and restructuring
For businesses facing difficulty in loan repayment, we advise on one-time settlement (OTS), loan restructuring under RBI guidelines, and negotiation with banks and ARCs (Asset Reconstruction Companies).
6. Home loan and personal loan documentation
For individuals, we provide ITR-based income certificates, net worth statements, and Form 16 documentation required by banks and HFCs for home loans and personal loans.
Government Subsidy Consultancy
1. PBIP — Punjab Bureau of Investment Promotion
The Punjab Bureau of Investment Promotion (PBIP) offers capital subsidies, power tariff subsidies, stamp duty exemptions, and interest subsidies to new industrial units in Punjab. We identify applicable schemes and prepare complete PBIP applications.
- 1. Capital subsidy on plant and machinery – (up to 25% for eligible manufacturing units)
- 2. Power tariff subsidyf – for new industrial units in Punjab
- 3. Stamp duty and registration fee exemption – on land purchase for industrial projects ⦁ Interest subsidy on bank loansfor new manufacturing units
2. DIC — District Industries Centre
The District Industries Centre (DIC) in Mohali administers state-level subsidies for small and medium industries. We prepare DIC applications for PMEGP, state capital investment subsidies, and Single Window Clearance for new industrial units.
3. MSME subsidy schemes
- 1. CLCSS – Credit Linked Capital Subsidy Scheme — 15% capital subsidy on technology upgradation
- 2. ZED certification subsidies – Zero Defect Zero Effect manufacturing certification
- 3. Quality Certification subsidy – ISO, BIS, HACCP, and other quality certifications
- 4. Patent and trademark filing fee reimbursement - for MSMEs
4. Startup India seed funding (SISFS)
DPIIT-recognized startups can apply for seed funding under the Startup India Seed Fund Scheme — grants up to Rs. 20 lakh for proof of concept and Rs. 50 lakh for prototype development. We prepare the complete application.
5. PMFME — Food processing subsidies
For food businesses and agri-processors, we identify and apply for PMFME (PM Formalisation of Micro Food Processing Enterprises) scheme subsidies — grants up to Rs. 10 lakh for micro food processing units.
Industries We Have Prepared DPRs For
- Manufacturing - Copper wire and cables, food processing, garments, plastic products, engineering goods
- Hospitality - Hotel, restaurant, and resort projects — including bank loan DPRs for Himachal Pradesh properties
- Trading and services - Import-export businesses, professional services, e-commerce setups
- Food and FSSAI - Nutraceuticals, packaged food, cloud kitchen, FSSAI-compliant manufacturing
- Technology - IT companies, SaaS startups, and tech-enabled service businesses
Our Process
- 1. Initial assessment – understand your business, loan requirement, and subsidy eligibility
- 2. Scheme identification – identify the most suitable loan products and government schemes for your case
- 3. Document checklist – complete list of documents required for bank and government applications
- 4. DPR / CMA preparation - prepare the Detailed Project Report, CMA data, and financial projections
- 5. Application filing - file the loan application or subsidy application on your behalf
- 6. Bank liaison - coordinate with bank officials during the appraisal and sanction process
- 7. Post-sanction compliance - utilization certificates, subsidy claim filing, and follow-up
Frequently Asked Questions
What is a DPR and why do banks need it?
A DPR (Detailed Project Report) is a comprehensive document presenting your business plan, technical feasibility, financial projections, and repayment capacity. It is the primary document used by bank loan officers to appraise and sanction term loans for new projects.
Can I get a bank loan without collateral?
Yes — under the CGTMSE scheme, MSME-registered businesses can get collateral-free loans up to Rs. 5 crore. Mudra loans up to Rs. 10 lakh are also collateral-free. We identify the right scheme for your situation.
How long does PBIP subsidy approval take?
PBIP scheme applications typically take 3–6 months from submission to approval. We track and follow up throughout the process on your behalf.
Can a new business with no track record get a bank loan?
Yes — with a strong DPR, promoter net worth, and appropriate collateral or government guarantee (CGTMSE), new businesses can qualify for project finance. We have successfully supported first-generation entrepreneurs in securing bank loans.
What is PMEGP and who is eligible?
The Prime Minister’s Employment Generation Programme offers government subsidies of 15–35% on project cost (up to Rs. 50 lakh for manufacturing) for new micro enterprises. Applications are processed through DIC and KVIC. We prepare and file PMEGP applications.
What documents are required for a working capital loan?
Latest audited financials, 6–12 months bank statements, GST returns, debtors and creditors list, stock statement, and existing loan sanction letters (if any). We prepare the complete CMA data and coordinate with your bank.