Mon–Sat · 10:30 am–07:30 pm✓ ICAI Peer Reviewed Firm Regn. No. 107147Ring Road, Surat+91 98250 56839
CA India Ankit Shah and Co. Chartered Accountants
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Project Finance · Bank Loan Documentation

Project finance & bank loan documentation in Surat — a proposal is only as strong as its file.

We prepare the complete project-finance file — project report, CMA data, the bank’s own forms and every supporting paper — so your proposal reaches the credit officer’s desk exactly as the bank expects. Backed by a full chartered-accountancy practice serving Surat since 2000.

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F.C.A. · DISA(ICAI) Firm Regn. No. 107147 In practice since 2000 All sectors · Surat
Ankit Shah and Co. office, Ring Road, Surat
701, KRUSHI BAZAR · RING ROAD · SURAT
EST. 2000 SURAT
25+ years
documenting
bank finance

The specialty

The complete bank file, prepared under one roof.

Banks decide on paper. An incomplete or inconsistent file is among the most common reasons a proposal gets delayed, returned or rejected. We build every part of that file — and keep the numbers consistent across all of it — so appraisal moves smoothly.

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PROJECT REPORT MSME LEVELS

Key covenants the appraisal checks — MSME acceptable levels

Current ratio≥ 1.00
DSCR · average≥ 1.20
DSCR · minimum≥ 1.00
Interest coverage≥ 1.50
FACR≥ 1.25
TOL / ATNW≤ 5.00
TTL / ATNW≤ 4.50
Total Debt / EBITDA≤ 6.00
BANK
READY

The full practice

Everything a growing business needs, in one office.

Beyond project finance, a complete chartered-accountancy practice — described factually, in line with ICAI guidelines.

AB

Accounting & Bookkeeping

Books of account, ledger scrutiny and periodic financial statements for firms, companies and professionals.

AA

Audit & Assurance

Statutory audit, tax audit and other attest functions as required under applicable law.

GST

GST Compliance

Registration, periodic returns, reconciliations and related compliance under GST law.

TDS

TDS & Return Filing

TDS computation, deposit and quarterly return filing, with related compliance.

IT

Income-Tax Returns

Preparation and filing of returns for individuals, HUFs, firms and companies.

REG

Registrations & Advisory

Business registrations and day-to-day advisory on accounting, tax and compliance matters.

Knowledge bank

Plain-language notes on the rules that matter.

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Project Finance

How to read your bank loan sanction letter — and the number it doesn't show you plainly

A sanction letter's headline interest rate isn't your real cost. Here's how to read every clause, and the RBI-mandated Key Facts Statement that shows the number that actually matters — your APR.

Sep 2026 · 8 min read
TDS

Section 194Q didn't disappear — it became Section 393, and the ₹50-lakh threshold hasn't moved

TDS on purchase of goods survives the Income-tax Act, 2025 rewrite as Section 393(1) — same ₹50-lakh threshold, same 0.1% rate, but new PAN and disallowance sections worth checking before your next big purchase order.

Aug 2026 · 7 min read
Project Finance

PMEGP explained: the government subsidy for starting a new manufacturing or service unit

PMEGP's margin-money subsidy for a brand-new manufacturing or service unit — who qualifies, how much you get, and how the money actually reaches you.

Aug 2026 · 7 min read

In their words

What clients say.

A few words from the businesses we’ve helped with bank finance and everyday compliance.

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Questions, answered

Frequently asked.

The complete file: project report / DPR, CMA data, the bank’s own application forms, net-worth and supporting statements, and follow-up through appraisal — all prepared under one roof and kept consistent with each other.

Term loans and working-capital proposals across public and private sector banks. We prepare the file to each bank’s own format and requirements.

No. Those are common in Surat, but we document proposals across manufacturing, trading and services. If a bank can appraise it, we can document it.

Once your documents are in, most files are ready within a few working days, depending on complexity. A short call gives you a firm timeline for your case.

Yes. Client information is handled in confidence and used only to prepare your file.

Fees depend on the scope of work and are shared on request after a short discussion — always before any work begins.