A Chartered

Overview:

Our Audit & Assurance services provide a thorough review of your financial statements, internal controls, and business operations to ensure compliance, transparency, and accuracy. We focus on delivering high-quality audits that meet both local and international standards, helping you build trust with stakeholders, investors, and regulatory bodies.

Key Services:

Statutory Audits:

We conduct independent audits of financial statements to ensure compliance with applicable laws, accounting standards, and regulatory requirements. This service is critical for businesses that need to provide accurate financial information to investors, creditors, and authorities.

Internal Audits:

We assess the effectiveness of your internal controls, risk management procedures, and corporate governance. Our team helps you identify areas for improvement, ensuring that your business is operating efficiently and in line with best practices.

Tax Audits:

We assist businesses with tax audits to ensure compliance with tax laws and to minimize any risks associated with incorrect reporting. We also advise on optimizing tax structures and ensuring that all tax liabilities are accurately reported.

Financial Statement Audits:

We help clients prepare for audits by reviewing their financial statements and ensuring they are in line with financial reporting standards (IFRS, GAAP, etc.). This service is essential for ensuring that stakeholders have confidence in the financial data presented.

GST Audit:

service is designed to ensure that your business complies with the Goods and Services Tax (GST) laws and regulations while minimizing any risk of penalties or legal issues. As GST compliance becomes increasingly important for businesses of all sizes, we provide thorough audits to verify that your GST returns and financial records are accurate, complete, and in accordance with the applicable tax laws.

GST Return Reconciliation:

We assist in reconciling your GST returns (GSTR-1, GSTR-3B, GSTR-9, etc.) with your books of accounts to ensure that all information is consistent and there are no discrepancies. This helps avoid any future challenges from tax authorities.

GST Audit Report Fillings:

Our experts help prepare and file the GST audit report as required under Section 35(5) of the CGST Act. We ensure that all the necessary data is presented accurately to minimize the risk of audits or disputes with tax authorities.

GST Compliance Review:

We conduct a comprehensive review of your business's GST compliance practices. This includes assessing the correctness of tax collection, tax payment, input tax credit (ITC) claims, and tax filings. Our team ensures that all aspects of GST compliance, such as registration, invoicing, and reporting, are handled correctly.

GST Input Tax Credit (ITC) Verification:

A key component of GST audits is verifying that your business is correctly claiming input tax credits for the taxes paid on purchases. We ensure that ITC is claimed in compliance with GST rules and identify any potential errors or risks.

GST Error Identification & Rectification:

We identify any errors or discrepancies in your GST filings and financial records. Our team then works to rectify these errors and assist in making any necessary adjustments in your GST returns, thereby preventing penalties.

GST Audits for Special Purpose:

If you're under a special category (such as a newly registered business, exporter, or a company eligible for tax refunds), we conduct a customized GST audit to ensure that you are meeting all requirements specific to your category and maximizing your tax benefits.

Tax Planning & Risk Mitigation:

We provide guidance on optimizing your GST structure to minimize risks related to incorrect filings and tax liabilities. Our services help you develop efficient tax planning strategies that align with the ever-evolving GST laws and regulations.

Representation before Tax Authorities:

If there are any disputes or clarifications required by the GST authorities, we provide representation on your behalf. Our team supports you during GST assessments, audits, and scrutiny to ensure your interests are protected.

MSME Loan

Term Loan

Working Capital Loan

Project Finance Loan

Subsidy Loan

Home Loan

Loan Against Property

MSME Loan

Helping MSMEs understand and apply for MSME-specific business loans, including working capital loans, term loans, and trade finance options. Offering advice on loan eligibility requirements, documentation, and the loan approval process. Guiding clients through government-backed financing schemes such as CGTMSE, MUDRA, and PMEGP.

Term Loan

/Home Loan/ Business Loan:

Home Loan Consultancy:

Assisting clients in identifying the most suitable home loan options based on their financial needs (fixed or floating interest rates, loan tenure, and EMI structure).

Helping with documentation, eligibility checks, and ensuring a smooth approval process with banks and financial institutions.

Offering advice on home loan transfers, refinancing, and reducing interest costs.

Business Loan Consultancy:

Guiding entrepreneurs and business owners through business loan applications, helping them identify the best types of loans based on their business goals (e.g., term loans, working capital loans, or business credit lines).

Offering tailored advice on loan eligibility, collateral requirements, and structuring loans to ensure optimal repayment terms.

Helping businesses with loan restructuring or securing top-up loans as they grow.

Loan Against Rentals Consultancy:

Advising clients on securing loans using their rental income properties as collateral. This could include residential or commercial properties.

Helping clients navigate the loan-to-value ratio, documentation, and repayment terms for loans secured against rental income.

Offering tax and legal advice related to these loans to ensure clients make informed decisions.

Working Capital Loan

Working capital loans are essential for businesses to maintain day-to-day operations and manage cash flow. Your consultancy can help businesses secure the right financing to bridge short-term financial gaps.

project-Finance-Loan

Food & Processing Unit Set-Up Project Loans:

Specializing in project loans for the setup of food processing units, packaging units, or any food-related manufacturing facilities.

Offering feasibility analysis, financial modeling, and business plan preparation to secure project financing for food processing or other large-scale infrastructure projects.

Helping businesses access government subsidies, grants, and low-interest loans available for food-related ventures.

Guiding businesses in the selection of loan products, negotiation of terms, and loan disbursement processes.

Project Financing for Other Sectors:

Offering consultancy services for infrastructure development, manufacturing units, or commercial real estate projects.

Helping businesses prepare detailed project reports, cash flow projections, and cost estimates to meet the lender's requirements for project financing.

Sourcing Project Loans from Financial Institutions:

Helping businesses source project loans from commercial banks, NBFCs, or government schemes.

Advising clients on the most suitable lenders for their specific project financing needs, whether for greenfield or brownfield projects.

1. NHB Loans and Subsidies:

a) protected Cultivation (Greenhouse/Shade net house)

The Commercial Horticulture Development Scheme in Protected Cover, initiated by the National Horticulture Board (NHB), aims to promote the cultivation of high-value crops under protected structures such as greenhouses, shade net houses, plastic tunnels, and anti-bird/hail nets. By providing financial assistance, the scheme aims to encourage farmers to adopt protected cultivation techniques for increased productivity and income generation.

Objectives

1. Promote Protected Cultivation: Encourage the adoption of protected cultivation techniques to enhance crop yield, quality, and marketability.

2. Diversification of Crops: Facilitate the cultivation of high-value flowers and vegetables under protected structures for commercial purposes.

3. Support for Small and Marginal Farmers: Provide financial assistance to enable small and marginal farmers to invest in protected cultivation infrastructure.

components of the Scheme

1.Protected Cover Infrastructure:

Provision of planting material, plantation, irrigation, fertigation, and mechanization for setting up protected structures.

Eligible structures include greenhouses, shade net houses, plastic tunnels, and anti-bird/hail nets.

Eligible Crops

• Flowers: Anthurium, Orchids, Rose, Lilium, Chrysanthemum, Carnation, and Gerbera.
• Vegetables: High-value vegetables such as Capsicum, Cucumber, and Tomato.

Pattern of Assitance

Financial Assistance: @50% of the total project cost, limited to ₹56.00 lakh.

Minimum Land Area Requirement

General Area: 2500 square meters.

North East Region: Projects with an area covering 1000 square meters are eligible.

b) Setting up of Cold Storage

The Cold Storage Scheme, initiated by the National Horticulture Board (NHB), aims to support the construction, expansion, and modernization of cold storage facilities for horticulture produce. By providing financial assistance and technology add-ons, the scheme endeavors to enhance storage capacity and modernize infrastructure in the horticulture sector.

Objectives

1. Storage Infrastructure Enhancement: Support the development of cold storage facilities to meet the storage requirements of horticulture produce.

2. Promote Modernization: Encourage the adoption of modern technologies and practices to improve storage efficiency and quality of horticulture produce.

3. Address Regional Disparities: Provide differential financial assistance to promote cold storage development in areas with varying geographical challenges.

components of the Scheme

1. Financial Assistance for Cold Storage Construction/Expansion/Modernization:
• General Area: Grant-in-aid @35% for storage capacity above 5000 MT up to 10000 MT.
• North East, Hilly States: Grant-in-aid @50% for storage capacity 1000 MT or above.

2. Technology Add-on for Controlled Atmosphere (CA) and Modernization:
• Additional financial assistance for technology add-ons:
  • CA Equipment: Subject to a maximum of ₹5.00 crores.
  • Modernization: Subject to a maximum of ₹2.50 Crores.

c) Open Farming activity Loan and Subsidy

The Development of Commercial Horticulture Scheme, aimed at facilitating the production and post-harvest management of horticulture crops, is initiated by the National Horticulture Board (NHB). By supporting eligible processing activities and providing financial assistance for infrastructure development, the scheme aims to enhance the productivity and profitability of horticulture farming.



Objectives


1. Promote Commercial Horticulture: Encourage the adoption of modern techniques and practices for the production and post-harvest management of horticulture crops.


2. Facilitate Infrastructure Development: Provide financial assistance for the establishment of essential infrastructure and processing units to support horticulture farming.


3. Support for Small and Marginal Farmers: Extend financial support to small and marginal farmers, especially in the North East region and hilly states, to enhance their participation in commercial horticulture.



components of the Scheme


1. Eligible Processing Activities:
• Provision of planting material, plantation, irrigation, fertigation, mechanization, precision farming, Good Agricultural Practices (GAP), farm machinery, post-harvest management (PHM) components, and primary processing units.


Add-on components


• Cost of Land
• Land Development
• Cultivation Expenses
• Drip System with Internal Pipeline
• Irrigation Infrastructure
• Horticulture Mechanization
• Civil Infrastructure
• Bed Preparation


Minimum Land Area Requirement


• General Area:5 Acres
• North East Region:1 Acre


Financial Assistance


1. General Area:
• @40% of the project cost, limited to ₹30.00 Lakh per project.
2. North East, Hilly States & Scheduled Caste:
• @50% of the project cost, limited to ₹37.50 Lakh per project.

d) integrated Post Harvest Management Projects by NHB:

The Integrated Post Harvest Management Projects scheme, initiated by the National Horticulture Board (NHB), aims to promote the establishment of post-harvest infrastructure such as pack houses, ripening chambers, refrigerated vans, retail outlets, pre-cooling units, and primary processing units. By providing credit-linked back-ended subsidy assistance, the scheme aims to enhance the post-harvest management of eligible horticulture crops, thereby ensuring improved quality and marketability.

Objectives

1. Enhanced Post-Harvest Infrastructure: Facilitate the establishment of modern post-harvest facilities to minimize losses and maintain the quality of horticulture produce.

2. Promote Value Addition: Encourage primary processing activities to add value to horticulture crops and increase market competitiveness.

3. Support for Eligible Crops: Provide financial assistance for post-harvest management projects related to fruits, vegetables, flowers, aromatic plants, and cashew.

components of the Scheme

1. Eligible Post-Harvest Management Projects:
• Establishment of pack houses, ripening chambers, refrigerated vans, retail outlets, pre-cooling units, and primary processing units.


Eligible Crops
• Fruits, Vegetables, Flowers, Aromatic Plants, and Cashew: Projects related to primary processing activities are eligible for subsidy assistance.


Pattern of Assistance
Credit-Linked Bac-Ended Subsidy:
• @35% of the total project cost, limited to ₹50.75 lakh per project.
North East Region, Hilly States, and Scheduled Areas:
• @50% of the project cost, limited to ₹72.50 lakh per project.


Agricultural Infrastructure Fund(AIF):
• Guiding clients in the agriculture sector on applying for Agriculture Infrastructure Fund (AIF) loans for projects like warehouses, cold storage, food processing units, and marketing infrastructure.
• Advising on interest subvention, repayment structures, and how to maximize the benefits of the AIF loan.
• Helping clients with the application process, documentation, and ensuring their projects meet the AIF criteria for subsidies.