I have been in this profession since 1996, having being serve few year in abroad will come back and start my own individual consulting since 2007. I am working in all kinds of industries except Pharmaceutical and Chemical. India having very big scope in SME sector and Agriculture sector and accordingly I have paid full attention in those industries.

Scope of work:
 Industrial Set Up :
It has been observe by me that many industries in India get NPA in first stage of moratorium period; this is the big hurdle among bank to finance for new industrial set up. And because of this bankers always like to prefer finance for existing established organisation for newly industrial set up. So I put more attention on new industrial establishment especially in SME and agriculture sector, accordingly I pay more attention on following measures;
o To put major attention on geographical aspect related to each industry. For establishment of any industry water, labour, HTL electricity, raw material and easy transportation availability are very important.
o Necessary zone for particular Industries. It is also very important on the point of cost calculation.
o Compliance of necessary permission from each respected authorities.
o Drafting of all technical aspect including negligent aspect also, which may or may not be part of major hurdle in future.
o Drafting of Organization Chart to direct the responsibility of each obligates who being a part of these industry.
o Drafting of Time Bar Chart for each unit/machinery installation till the date of factory being commission.
o Drafting of Exact Budgetary Financial Planning, so that there would not be any adverse effect on moratorium period and it should be benefited and capitalized properly.

 Industries & Business Reform :
Industries & Business Reform this situation occurred when there would be little chance of it. Many industries and business entrepreneur have get themselves in trouble just because of miss management, poor leadership, patrons about new business, poor decision, low effect in subordinate and measure and very important negligent about financial aspect these are all reason for the miss allocation of organisation fund. To get away from all these problems following measures are have to be taken;
o While running any business, weekly analysis of organisation activities are required drastically especially of production, marketing and financial department.
o Always ask for the opinion from Supervisors and Managers from each department.
o Always believe on subordinate, understand them and then implement your necessary decision.
o Take care of that all departmental officials can interact with each other frequently for smooth conduct of organisation.
o Reconciliation of Debtors & Creditors in every 15days and find out inflation among both.
o Always be prepared for recovery before or after completion of credit period.
o Do not put any sympathy towards clients for future business, because you will get regular business but your profit and some part of principal always in the hands of your client and it may cause you obstacles to go for any new business clients.
o Always be in touch with Finance & Accounts department to get day to day schedule of cash flow.
o Budgetary cash flow and application of fund flow should be controlled by Top management only.
o One third part of the profit should be kept allied in reserve in the form any liquidate investment.
o Do not try to conceal your income because directly have adverse effect on goodwill of your organisation.
o Do not allocate cash flow from existing business activities to anther business activities. It would definitely get into a trouble while any of these businesses being financial sick.

 How to Get Finance:
As of today to get finance for established organisation is not a big hurdle but usage, end use and allocation of these funds are big question among all organisations. Many organisation get finance against their documentary evidence to the extent of their requirement or above. There is some organisation that is having good collateral but paper work is very poor they might or may not be get finance, if they get the finance that also at very high interest rates. And there are some organisations who seek the finance but due to illiteracy of proper panel they are unable to get finance. Now what measures? they have to take to get the finance and to allocate it properly.
o Firstly understand some important types of loan i.e.
 Project Loan: A project loan given for any new project or to improvise existing project against tangible & intangible collateral securities.
 Working Capital Loan: This type of loan available to meet gap between funds in hand and require fund to run the business smoothly. It can be in the form of Cash Credit and/or Bank over draft facility.
 Working Capital Term Loan: WCTL applicable at the time of restructure of finance or a fund which given for certain period of time above the applicable limit to save the borrowers.
 Loan Against Property (LAP): This type of loan available against property to the extent of 50% to 80% value of property minimum for 3years to 12yrs.
 Bill Discounting or Factoring: This type of loan available against sales bill rose to the well known institutional or corporate clients against their endorsement of acceptance of bill.
 Packing Credit & Pre L/c. Discounting: This type of limit available against pre sanctioned to complete the purchase order in stipulated period.
 Buyers & Suppliers Credit: Buyers credit available against import of goods for the stipulated periods accept by the exporter bank and supplier’s credit available against export of goods against post shipment endorsed by importer bank.
 Unsecured Loan: this type of loan available for certain time of period with higher interest rate to meet working capital gap.

o If you would like to approach for any project loan or for working capital facility you have to prepare informative project report or technically viable report as per the demand of borrower banks. It is better to approach a professional who is expert in finance & banking laws.

 Branding & Advertising: B&A require when there were consumer sovereign products you want to introduce in the market. There are two types of B&A i.e. Above The Line (ATL) and Below The Line (BTL).
o Above The Line (ATL): This type of B&A use by the corporate and institutional organisation. It is very expensive and covered mass media. In this type of B&A is wide in range and so it is difficult to analysis target customers.
o Below The Line (BTL): This type of B&A use by all kinds of industries. It is target oriented media and very easy to analysis. It is not cover mass media but cover necessary all media which reach upto any standard of society. It is a bit effective and result oriented. It’s a very cheap media can afford by any industry.
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