Get your loan file bank-ready in 24 hours.
CMA data, project reports, financial statements and CA certificates in your bank's own format. Done online, anywhere in India.
- Fee fixed before we start
- Revisions until the banker is satisfied
- 7-day full refund
Everything the bank and the tax office ask for.
Most clients come for a loan file and stay for the tax work.
Bank loan files
From the first quotation to the sanction.
CMA dataready in 24 hrs Project reports and DPRsPMEGP, CMEGP, MUDRA Loan documentationthe rest of the papersCertificates
Signed by a practising CA, with a UDIN.
CA-certified financials Net-worth certificates Financial statementsWe also handle Udyam, FSSAI, Gumasta and company or LLP formation. See every service.
Six checks before a file leaves our desk.
A credit officer reads a CMA in a fixed order and sends it back at the first number that doesn't hold. These are the places files usually fail.
The balance sheet tallies in every yearActuals, estimates and projections, to the rupee.
Turnover matches your GST returns and ITRA mismatch here is the first thing the branch notices.
The current ratio clears the bank's floorUsually 1.33, and 1.25 where the bank allows it.
DSCR holds in every repayment yearIncluding the weakest year of the term loan.
The limit fits the turnover methodUp to ₹5 crore, the bank works backwards from projected sales.
Projected growth has a reason next to itA jump in sales with no explanation gets the file returned.
Four files from this year.
Client names are left out. Each amount is the limit the file was prepared for.
Also this year: a sports turf in Betul, a contractor in Bina, a coaching centre in Bhopal and a tailoring shop in Nagpur.
How it works.
Everything happens on WhatsApp and phone. You don't need to visit an office.
- You send what you haveITRs, GST returns, bank statements, and the quotation if it's a machinery loan. Photos are fine.
- We fix the fee and the dateBoth are agreed before we start. Nothing gets added later.
- You get the fileA CMA usually takes 24 hours once the documents are complete. A project report takes longer and we'll say how long.
- The banker asks for a changeIt happens on most files. Send us what they said and we revise it.
What clients say.
My bank manager approved the loan solely based on the quality of their CMA report.
We scaled from 1 store to 5 in a year. Khemchandani handled all the licenses and tax planning.
The 100% satisfaction guarantee is real. They fixed a complex ROC issue that another CA had messed up.
Who you'll be dealing with.
I've seen profitable businesses turned away at the bank because the report was prepared carelessly. The ratios didn't tally, or the projection had no basis the manager could defend. The business was fine.
So before a file leaves us, we check it against what that bank's credit desk actually looks at. If the numbers can't support the limit you want, I'll tell you that before you pay, and tell you what limit they can support.
Nikhil Khemchandani, founder
Find out what your bank will ask for.
Leave your number and we'll call. We tell you the documents your branch will want and our fee for the file. The first conversation is free.
If you're not satisfied with our work, you get the full fee back within 7 days.
- Phone and WhatsApp
- +91 97554 06939
- khemchandanifinance@gmail.com
- Office
- 77 Signature Park, Bhopal, Madhya Pradesh
Get my document list
Three lines. We call you back on this number.
Questions people ask first.
What does Khemchandani Finance do?
Loan paperwork (CMA data, project reports, loan documentation), GST and income tax (registration, returns, ITR, tax audit, accounting), and CA-certified financials and net-worth certificates. We also do company formation, Udyam, FSSAI and Gumasta.
Do you work with businesses outside Bhopal?
Yes. The office is in Bhopal and the work is done online, so clients send documents on WhatsApp from anywhere in India.
How quickly are reports delivered?
CMA data usually goes out within 24 hours of receiving complete documents. If the banker wants changes, we revise it until they're satisfied.
Which banks accept your reports?
We prepare reports in each bank's own format. They've been accepted by SBI, HDFC, Canara Bank, PNB, ICICI, Axis Bank and Union Bank, among others.
How is a cash credit limit calculated?
For limits up to ₹5 crore, banks use the turnover method: working capital need is taken as 25% of projected sales, you bring 5% as margin, and the bank finances up to 20%. If your existing net working capital is above 5%, the limit comes down by the extra.
Is there a guarantee?
Yes. A 7-day, 100% money-back guarantee if you're not satisfied with the service.