Specialized Financial Services

Property Consultancy & Documentation

Complete property consultancy services including property search, legal verification, documentation, registration, and post-purchase support. We assist in residential, commercial, agricultural, and industrial property transactions with complete legal due diligence.

Property Services:

• Property Search & Selection: Identification of properties based on budget, location, and requirements
• Legal Verification: Title search, encumbrance certificate, ownership verification, legal opinion
• Property Valuation: Market valuation, government approved valuation, bank valuation
• Documentation Support: Sale deed drafting, agreement preparation, power of attorney
• Registration Services: Sub-registrar office work, stamp duty payment, document registration
• Mutation & Transfer: Name transfer in municipal records, property tax transfer
• Home Loan Assistance: Bank loan processing for property purchase
• Investment Advisory: ROI analysis, rental yield calculation, future appreciation potential

Property Types We Handle:

• Residential: Flats, apartments, bungalows, row houses, villas
• Commercial: Shops, offices, showrooms, commercial complexes
• Agricultural: Farm land, agricultural plots, orchards
• Industrial: Factory sheds, warehouses, industrial plots
• Plots & Land: Residential plots, NA plots, agricultural land
• Under Construction: Booking, payment plan, possession support

Legal Documentation:

• 7/12 Extract and 8A verification
• Property Card and Index II
• Encumbrance Certificate (EC) for 13-30 years
• Sale Deed and Previous Chain verification
• NA Order and Layout Approval check
• Building Approval and Completion Certificate
• Society Formation Certificate and NOC
• Tax Paid Receipts and Utility Bills verification

Registration Process:

• Stamp Duty calculation and payment (Gujarat: 4.9% for males, 4.9% for females)
• Registration fee: 1% of property value (up to ₹30,000 max)
• Document preparation and notarization
• Sub-registrar office appointment booking
• Biometric and document submission
• Registered document collection

Post-Purchase Services:

• Electricity and water connection transfer
• Property tax name transfer in corporation
• Society membership and share certificate
• Home insurance arrangement
• Interior and renovation contractor contact

CIBIL Score Improvement & Credit Report Services

Professional CIBIL score improvement services to help you qualify for loans with better interest rates. We analyze your credit report, identify issues, dispute errors, and guide you through the complete credit score enhancement process.

CIBIL Services We Offer:

• Credit Report Analysis: Detailed review of CIBIL, Experian, Equifax, CRIF High Mark reports
• Score Improvement Strategy: Personalized action plan to improve credit score from 550 to 750+
• Error Dispute Filing: Identification and dispute of incorrect entries, closed loans showing active
• Settlement Removal: Assistance in removing settlement tags and upgrading to "Closed"
• Write-off Handling: Negotiation with banks for write-off removal or one-time settlement
• Credit Utilization Optimization: Guidance on maintaining optimal credit card usage (below 30%)
• Credit Mix Enhancement: Strategy for balanced secured and unsecured credit portfolio
• Payment History Improvement: Setting up auto-payment, EMI reminders, timely payment habits

Common CIBIL Issues We Resolve:

• Low credit score (below 650) rejection in loan applications
• Incorrect personal information (name, address, PAN, phone)
• Duplicate loan accounts appearing multiple times
• Closed loans showing as active or overdue
• Settlement tag affecting loan approval
• Write-off status due to non-payment
• High credit utilization ratio (above 70%)
• Too many loan inquiries (hard inquiries)
• Co-applicant/Guarantor default affecting your score
• Fraud accounts opened in your name

CIBIL Score Ranges & Impact:

• 750-900 (Excellent): Instant loan approval, lowest interest rates, higher loan amounts
• 700-749 (Good): Easy loan approval, competitive interest rates
• 650-699 (Fair): Conditional approval, moderate interest rates, lower loan amounts
• 550-649 (Poor): Difficult approval, high interest rates, may need co-applicant
• 300-549 (Very Poor): Loan rejection, need significant score improvement

Score Improvement Timeline:

• 30-60 days: Error disputes and corrections (10-50 point improvement)
• 60-90 days: Settlement upgrade, credit utilization optimization (50-80 point improvement)
• 3-6 months: Payment history improvement, timely EMI payments (80-120 point improvement)
• 6-12 months: Comprehensive credit rebuilding (120-200 point improvement)

Documents Required:

• PAN Card and Aadhaar Card
• Current CIBIL report (we can arrange if not available)
• Loan account statements and closure letters
• Bank statements for last 6 months
• Address proof and identity proof
• Email ID and mobile number for CIBIL login

Our Process:

• Free CIBIL report download and analysis
• Detailed consultation on score issues
• Customized improvement action plan
• Dispute filing with credit bureaus
• Follow-up with banks and lenders
• Monthly monitoring and progress tracking
• Final loan application assistance post-improvement

N.H.M. - National Horticulture Mission (MIDH)

Complete consultancy for National Horticulture Mission schemes including polyhouse, greenhouse, shade net house, drip irrigation, vermicompost units, and pack house projects with 50-80% government subsidy under MIDH (Mission for Integrated Development of Horticulture).

NHM / MIDH Subsidy Components:

• Protected Cultivation: Polyhouse, greenhouse, shade net house, plastic mulching
• Micro Irrigation: Drip irrigation, sprinkler irrigation systems
• Planting Material: Fruit plants, vegetable seeds, tissue culture plants
• Organic Farming: Vermicompost units, organic input production
• Post Harvest Management: Pack house, ripening chamber, cold storage, reefer van
• Horticulture Mechanization: Power tiller, rotavator, sprayer, mulcher
• Water Harvesting: Farm pond, community tank, water storage structures
• Bee Keeping: Honey bee boxes, bee colony, bee keeping equipment

Subsidy Structure Under NHM:

• Small & Marginal Farmers: 50% subsidy (maximum benefit)
• Other Farmers (General): 40% subsidy
• SC/ST Farmers: 50% subsidy across all categories
• Women Farmers: 50% subsidy with priority processing
• FPOs and Farmer Groups: 40-50% subsidy with higher unit cost

Popular NHM Projects with Subsidy:

• Polyhouse (500 sqm): Total cost ₹10 lakhs, Subsidy ₹5 lakhs (50%), Farmer contribution ₹5 lakhs
• Greenhouse (1000 sqm): Total cost ₹25 lakhs, Subsidy ₹12.5 lakhs (50%), Farmer ₹12.5 lakhs
• Shade Net House (500 sqm): Total cost ₹4.5 lakhs, Subsidy ₹2.25 lakhs (50%)
• Drip Irrigation (1 hectare): Total cost ₹70,000, Subsidy ₹35,000 (50%)
• Vermicompost Unit: Total cost ₹1.20 lakhs, Subsidy ₹60,000 (50%)
• Pack House with Pre-cooling: Total cost ₹15 lakhs, Subsidy ₹7.5 lakhs (50%)

Eligibility Criteria:

• Should be a farmer with agricultural land
• Land ownership documents (7/12, 8A, etc.)
• Minimum land requirement varies (0.25 acre to 4 acre)
• Bank account linked with Aadhaar
• Not availed same component subsidy in last 5 years
• Project should be as per approved specifications

Our NHM Consultancy Services:

• Project identification based on land and climate
• Detailed Project Report (DPR) preparation
• Technical design and specifications
• Cost estimation as per government norms
• Online application on MIDH portal
• Document compilation and submission
• Site inspection coordination with department
• Vendor identification and quotation arrangement
• Subsidy claim processing after installation
• Bank loan arrangement for farmer's contribution
• Geo-tagging and photograph submission
• Final inspection and subsidy release support

Application Process Timeline:

• Application submission: Online on state horticulture portal
• Approval and allocation: 30-45 days
• Installation and completion: 60-90 days
• Inspection and verification: 15-30 days
• Subsidy disbursement: 30-60 days post-verification
• Total timeline: 4-6 months from application to subsidy

NABARD Refinance Schemes

Comprehensive consultancy for NABARD refinance schemes including dairy farming, poultry, agriculture infrastructure, rural industries, and allied sector projects with subsidized interest rates and credit guarantee support.

Major NABARD Schemes:

• Dairy Entrepreneurship Development Scheme (DEDS): Dairy units with 25-33% back-ended capital subsidy
• National Livestock Mission (NLM): Dairy, poultry, goat rearing with 25-50% subsidy
• Rural Infrastructure Development Fund (RIDF): Rural roads, bridges, irrigation projects
• Warehouse Infrastructure Fund (WIF): Agricultural warehouses, cold storage, silos
• Food Processing Fund: Small food processing units, agro-processing enterprises
• Poultry Venture Capital Fund: Poultry farms, hatcheries, feed mills
• Fisheries and Aquaculture Infrastructure: Fish farming, fish processing, ice plants
• Agriculture Credit Guarantee: Collateral-free loans up to ₹2 crore

NABARD Dairy Scheme (DEDS) Details:

• Small Dairy Unit (2 animals): Project cost ₹2.5 lakhs, Subsidy 25% (₹62,500), Loan ₹1.87 lakh
• Medium Dairy (10 animals): Project cost ₹12 lakhs, Subsidy 25% (₹3 lakhs), Loan ₹9 lakhs
• Large Dairy (50 animals): Project cost ₹60 lakhs, Subsidy 33% SC/ST (₹20 lakhs), Loan ₹40 lakhs
• Dairy Processing Unit: Milk chilling, pasteurization, packaging - Up to ₹2 crore project

NABARD Poultry Scheme:

• Broiler Farm (5000 birds): Total cost ₹15 lakhs, Subsidy 25% (₹3.75 lakhs), Loan ₹11.25 lakhs
• Layer Farm (5000 birds): Total cost ₹20 lakhs, Subsidy 25% (₹5 lakhs), Loan ₹15 lakhs
• Hatchery Unit: Capacity based subsidy, 25% for general, 33.33% for SC/ST
• Poultry Feed Mill: Small scale 2-5 TPD capacity with NABARD refinance

Key Features of NABARD Financing:

• Interest Rates: 7-9% per annum (subsidized through refinance)
• Loan Tenure: 5-10 years depending on project
• Moratorium Period: 6 months to 2 years based on gestation
• Credit Guarantee: Available for loans up to ₹2 crore (no collateral)
• Back-ended Subsidy: 25-50% of project cost
• Working Capital: Included in project financing

Eligibility & Documents:

• Farmers, entrepreneurs, FPOs, SHGs, cooperatives
• Land documents (owned or leased for min 7-10 years)
• Project report with technical and financial details
• Aadhaar, PAN, bank account details
• Experience or training certificate in relevant field
• Caste certificate (for SC/ST higher subsidy)

Our NABARD Consultancy:

• Project identification and feasibility study
• Detailed Project Report as per NABARD format
• Technical specifications and vendor quotations
• Bank loan application and processing
• Subsidy application with state nodal agency
• NABARD refinance documentation support
• Project implementation and monitoring
• Subsidy claim and release coordination
• Post-project handholding and support

Application Process:

• Step 1: DPR preparation and cost estimation
• Step 2: Bank loan application (SBI, BOB, Canara, etc.)
• Step 3: Bank sanction and NABARD refinance approval
• Step 4: Project implementation and loan disbursement
• Step 5: Subsidy application after completion
• Step 6: Department inspection and subsidy release
• Timeline: 3-6 months from application to loan disbursal

M.F.C.G. - Cold Chain & Food Processing Subsidy

Expert consultancy for Pradhan Mantri Kisan Sampada Yojana (PMKSY) - Mega Food Parks and Cold Chain Scheme with 35-50% capital subsidy for cold storage, pack house, ripening chamber, reefer vans, and integrated cold chain projects.

MFCG Scheme Components:

• Cold Storage Units: Multi-purpose, CA storage, frozen storage with 35-50% subsidy
• Pack House: Grading, sorting, cleaning, waxing, packaging facility
• Ripening Chambers: Controlled ripening with ethylene gas system
• Refer Vans / Reefer Trucks: Refrigerated transport vehicles
• Primary Processing Centers: Minimal processing at farm level
• Distribution Hubs: Low-temperature distribution centers in cities
• Integrated Cold Chain: End-to-end solution from farm to retail
• Milk Chilling Units: Bulk milk coolers for dairy cooperatives

Subsidy Structure Under MFCG:

• General Category: 35% of total project cost (maximum subsidy limit)
• SC/ST/Women Entrepreneurs: 50% subsidy in North-East and difficult areas
• Farmer Producer Organizations (FPOs): 50% subsidy across India
• Cooperatives and SHGs: 35-50% subsidy based on location
• Maximum Subsidy Cap: ₹10 crore per project

Project Examples with Subsidy Calculation:

• 500 MT Cold Storage: Total ₹2.5 crore, Subsidy 35% = ₹87.5 lakhs, Bank loan ₹1.62 crore
• 1000 MT Cold Storage: Total ₹5 crore, Subsidy 35% = ₹1.75 crore, Loan ₹3.25 crore
• Pack House (10 TPD): Total ₹1.5 crore, Subsidy 35% = ₹52.5 lakhs, Loan ₹97.5 lakhs
• Ripening Chamber (100 MT): Total ₹75 lakhs, Subsidy 35% = ₹26.25 lakhs, Loan ₹48.75 lakhs
• Reefer Van (9 ton): Total ₹20 lakhs, Subsidy 35% = ₹7 lakhs, Loan ₹13 lakhs
• Integrated Cold Chain: Total ₹15 crore, Subsidy 35% = ₹5.25 crore (max ₹10 cr), Loan ₹9.75 cr

Eligibility Criteria:

• Individuals, farmers, FPOs, cooperatives, private companies
• Minimum 3 years experience or technical qualification
• Land ownership or long-term lease (min 10 years)
• Project as per MFCG technical standards and specifications
• Tie-up with farmers/suppliers for raw material sourcing
• Energy efficiency norms (star rating, solar integration)
• Food safety license (FSSAI) mandatory

Technical Specifications (As per MFCG):

• Cold storage temperature: -25°C to +15°C as required
• Insulation: PUF panels 80-150mm density 40 kg/m³
• Refrigeration: Ammonia or eco-friendly refrigerants
• Power backup: 100% DG set or solar power mandatory
• Temperature monitoring: Automated digital system
• Racking system: FIFO (First In First Out) design
• Loading/unloading: Dock levelers, material handling equipment
• Fire safety: FM-200 or CO2 suppression system

Financial Parameters:

• Promoter's Contribution: 15% of project cost (minimum)
• Bank Term Loan: 50-60% of project cost
• Government Subsidy (MFCG): 35-50% after project completion
• Working Capital: 10-15% of annual turnover as CC/OD
• Interest Rate: 9-11% per annum
• Loan Tenure: 10-15 years with 1-2 year moratorium
• ROI: 18-25% per annum, Payback: 5-7 years

Our MFCG Consultancy Services:

• Project concept and demand analysis
• Detailed Project Report (DPR) as per MFCG format
• Technical design and layout planning
• Energy audit and solar integration design
• Cost estimation with approved vendor quotations
• Online application on PMKSY portal
• Bank loan processing and sanction
• Implementation and quality monitoring
• Commissioning and trial run support
• Subsidy claim documentation and submission
• Final inspection coordination with MFCG committee
• Subsidy disbursement follow-up

Application & Approval Process:

• Online application: PMKSY portal (mofpi.nic.in)
• Technical scrutiny and site visit: 30-45 days
• Project approval by MFCG committee: 60-90 days
• Bank loan sanction: 30-60 days
• Project implementation: 6-12 months
• Subsidy claim after completion and inspection
• Subsidy disbursement: 60-90 days post-claim
• Total timeline: 12-18 months from application to subsidy

All Types of Government Subsidy Services

Complete assistance for all central and state government subsidy schemes including agriculture, MSME, manufacturing, renewable energy, skill development, and social welfare subsidies. We handle end-to-end process from identification to disbursement.

Central Government Subsidy Schemes:

• PMEGP (Prime Minister's Employment Generation): 15-35% subsidy for new manufacturing/service units
• MUDRA (Micro Units Development & Refinance): Collateral-free loans up to ₹20 lakhs
• Stand Up India: ₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs
• Startup India Seed Fund: Up to ₹50 lakhs grant for startups
• CLCS (Credit Linked Capital Subsidy): 15% subsidy on technology upgradation (max ₹15 lakhs)
• PLI (Production Linked Incentive): Sector-specific incentives on incremental production
• PMKSY (Krishi Sinchayee Yojana): Irrigation subsidy - drip, sprinkler, farm pond
• PMFBY (Fasal Bima Yojana): Crop insurance with 98% premium subsidy
• PM-KUSUM (Solar Pump): 60% subsidy on solar water pumps for farmers
• Ayushman Bharat: ₹5 lakh health insurance for eligible families

State Government Subsidies (Gujarat):

• Mukhyamantri Yuva Swavalamban Yojana: Interest subsidy for student education loans
• Gujarat MSME Policy: Capital subsidy 25%, interest subsidy 7%, power subsidy
• Solar Rooftop Subsidy: 40% subsidy on residential solar installation
• Vahali Dikri Yojana: ₹1.10 lakh for girl child education and marriage
• Widow Pension: ₹1,250 per month for eligible widows
• Old Age Pension: ₹1,250 per month for senior citizens above 60 years
• Divyang Pension: ₹1,250 per month for differently-abled persons
• Kisan Suryoday Yojana: Day-time agriculture power supply improvement

Agriculture & Allied Subsidies:

• Tractor and farm machinery: 25-40% subsidy under SMAM
• Dairy development: 25-50% subsidy under NLM
• Poultry farming: 25-40% subsidy on shed and equipment
• Goat rearing: 40% subsidy for SC/ST, 25% for general
• Bee keeping: 40-50% subsidy on bee boxes and equipment
• Vermicompost unit: 50% subsidy on project cost
• Organic certification: 100% subsidy on certification cost
• Soil health card: Free soil testing for farmers

Manufacturing & Industrial Subsidies:

• Food processing: 35-50% subsidy under PMFME and PMKSY
• Textile industry: ATUFS scheme for technology upgradation
• Pharmaceutical: PLI scheme with production incentives
• Electronics manufacturing: PLI for mobile, LED, IT hardware
• Automobile components: PLI and state-specific subsidies
• Renewable energy equipment: PLI for solar modules, batteries
• Chemical industry: Technology upgradation subsidies

Skill Development & Employment Subsidies:

• PMKVY (Pradhan Mantri Kaushal Vikas Yojana): Free skill training with stipend
• DDU-GKY (Deen Dayal Upadhyaya): Rural youth skill development and placement
• Apprenticeship Scheme: ₹1,500 per month stipend support to employers
• Nai Roshni: Leadership training for minority women

Social Welfare Subsidies:

• PM Awas Yojana: ₹1.20 to ₹2.50 lakh for house construction
• Ujjwala Yojana: Free LPG connection for BPL families
• Saubhagya Yojana: Free electricity connection
• PM Jan Dhan Yojana: Zero balance bank account with insurance
• Sukanya Samriddhi: High interest for girl child savings
• Atal Pension Yojana: Government co-contribution for pension

Our Subsidy Consultancy Process:

• Free eligibility check for various subsidy schemes
• Scheme identification based on profile and project
• Complete documentation support and compilation
• Online application filing on government portals
• Follow-up with department officials
• Site inspection and verification coordination
• Subsidy claim preparation and submission
• Appeal filing in case of rejection
• Disbursement tracking and bank credit confirmation
• Post-subsidy compliance and reporting support

Documents Generally Required:

• Aadhaar Card and PAN Card
• Bank account details (passbook/cancelled cheque)
• Caste certificate (if applicable for SC/ST/OBC)
• Income certificate (for means-tested schemes)
• Business registration documents (GST, Udyam, etc.)
• Project report and quotations
• Land documents (for agriculture/industrial subsidies)
• Photographs and site geo-tagged images