“If you want to grow, it’s better to Grow Wise”
Fuel your enterprise expansion with MSME Grants & Subsidies, Business Loans, and Startup Legal Compliances.
Strategic Capital & Subsidy Engineering
Govt Approved LiaisonAt GrowWise Consultancy, we bridge high-potential Indian enterprises with central government capital subsidies, low-interest institutional credit, and equity funding networks. From project DPR formulation to bank disbursement, our ex-banker team guarantees complete compliance and optimum capital structuring.
Instant MSME Subsidy & Loan Estimator
Interactive calculation based on Ministry of MSME guidelines
Karan Dua
Founder & Principal Financial Consultant
Founder & Managing Director
Karan Dua
“Indian businesses don’t fail for lack of vision; they slow down because of bureaucratic bottlenecks and opaque funding structures. At GrowWise, we unlock every single rupee of grant and credit you rightfully qualify for.”
Institutional Banking & Subsidy Nodal Alliances
Representing Clients Across Central Ministries, Nodal Agencies & PSU Banks
Comprehensive Financial & Subsidy Solutions
From central capital subsidies to working capital and venture equity, we structure end-to-end capital pipelines.
Subsidies & Grants
Comprehensive liaison and project reporting to claim central, state, and industrial capital subsidies, export development incentives, and green energy grants for new or expanding units.
- Up to 15% – 40% capital investment subsidy
- Interest subvention of 3% to 6% on term loans
- Stamp duty and electricity duty exemptions
Equity Fundraise
End-to-end investment advisory including robust financial modeling, investor pitch deck curation, company valuation under DCF, and term-sheet negotiation.
- Access to 250+ vetted angel networks & micro-VCs
- Institutional financial modeling and valuation report
- Assistance in diligence and shareholder agreements (SHA)
Mudra Loan (PMMY)
Structured credit facilitation for micro and small enterprises across Shishu, Kishore, and Tarun categories without requiring mortgage or collateral assets.
- Zero collateral security requirement
- Subsidized processing charges & competitive interest
- Shishu (Up to ₹50K), Kishore (₹50K – ₹5L), Tarun (₹5L – ₹10L)
PMEGP / PMFME Schemes
Maximizing credit-linked capital subsidies for manufacturing projects (up to ₹50 Lakhs) and service projects (up to ₹20 Lakhs) via KVIC nodal agencies, plus PMFME 35% capital support.
- 15% to 35% margin money government grant
- Only 5% to 10% own equity contribution needed
- Special category concessions for women, SC/ST, rural
Working Capital Loan
Optimize your operational cash cycle with customized limits tailored to inventory cycles, debtors turnover, and contract execution requirements across PSU & private banks.
- Pay interest only on the actual amount drawn/utilized
- Non-fund based credit limits (LC / BG) at lowest margins
- Annual limit renewal with top-up options based on GST
Term Loan & Machinery
Capital debt financing for greenfield projects, brownfield expansions, technological upgrades, industrial warehouse development, and commercial equipment procurement.
- Long repayment horizon up to 7 to 12 years
- Moratorium period up to 18 months during construction
- Integrated with Central/State capital subsidy schemes
Personal Loan
Speedy unsecured liquidity for proprietary owners, partners, and corporate executives for immediate capital needs, bridging investments, or personal financial commitments.
- No collateral or guarantor required
- Instant paperless approval in as fast as 48 hours
- Prepayment and part-payment flexibility
LAP / LAS
Leverage the dormant value of your real estate holdings (Loan Against Property) or liquid securities portfolio (Loan Against Securities) to inject low-cost long-term capital into your company.
- Significantly lower interest rates compared to unsecured loans
- Loan-to-Value (LTV) up to 70% of market valuation
- Extended tenure up to 15-20 years for lower monthly EMIs
LAMF / LAG
Do not disrupt your compounding long-term investments. Pledge equity or hybrid mutual funds through digital lien marking, or monetize gold reserves with minimal documentation.
- Instant digital sanction without liquidating MF units
- Pay interest strictly on utilized amount and days
- No capital gains tax triggered since units are not sold
Ongoing Compliances / Incorporated
Complete corporate lifecycle management: from new company incorporation (Pvt Ltd, LLP, OPC, Section 8) to ongoing annual MCA/ROC compliances, statutory audits, GST/TDS filings, and DPIIT Startup India certification.
- Company incorporation (Pvt Ltd, LLP, OPC, Section 8) in 3-7 days
- Annual ROC filings (AOC-4, MGT-7/7A, DIR-3 KYC) with zero penalty risk
- Monthly & quarterly GST filings (GSTR-1, GSTR-3B) and annual ITR-6
Empowering India’s MSMEs With Wise Capital & Seamless Approvals
Founded under the leadership of Karan Dua, GrowWise Consultancy was established with a singular mission: to eliminate the opaque jargon and bureaucratic delays that prevent deserving entrepreneurs from accessing government grants and bank funding.
Whether you are an aspiring manufacturer seeking a 35% PMEGP grant, an expanding enterprise in need of ₹10 Cr machinery term loans, or a high-growth tech startup raising seed equity, we provide institutional-grade advisory with zero ambiguity.
Zero Hidden Costs
100% transparent fee structures tied directly to genuine sanction milestones.
End-to-End Liaison
We handle the government portal filings, queries, inspections, and committee meetings.
Our 4-Step Institutional Process
Free Diagnostic Audit
We analyze your balance sheets, GST turnover, project scope, and Udyam details to map out every eligible government scheme and optimal bank credit program.
DPR & Financial Engineering
Our CA and ex-banker team drafts a bankable Detailed Project Report (DPR), TEV study, projected balance sheets, CMA data, and cash flow models.
Ministry & Bank Representation
We submit and represent your file directly before DIC / KVIC nodal agencies, SIDBI, PSU and private bank credit sanctioning committees.
Sanction & Subsidy Release
We guarantee end-to-end follow-through until the loan is disbursed at the lowest margin and your non-repayable subsidy is credited to your subsidy reserve fund.
Principal Advisory by Karan Dua
Verified Founder14+ Years Banking & MSME Policy Expertise • GrowWise Consultancy
Trusted by Entrepreneurs Across India
Read authentic feedback from manufacturers, startup founders, and business promoters mentored by Karan Dua.
“GrowWise guided our food processing expansion in Sonipat. Karan Dua and his advisory team drafted the bankable DPR and coordinated with the nodal bank. We received ₹17.5 Lakhs non-repayable capital subsidy without a single hitch.”
Rajiv Aggarwal
Aggarwal Agro Foods, Haryana
“We were struggling to expand our CC limit from ₹2 Cr to ₹6 Cr due to stringent stock audit requirements. GrowWise reworked our drawing power formulas and institutional CMA data. Sanctioned by a premier PSU bank within 24 days.”
Sunil Deshmukh
Precision Auto Components, Pune
“Karan sir provided clear eligibility metrics for our packaging machinery line. Under the revised Mudra scheme, we obtained ₹20 Lakhs collateral-free credit at favorable interest rates. His personal guidance is unmatched.”
Manish Chawla
Chawla Corrugation Works, Delhi NCR
Frequently Asked Questions
Everything you need to know about MSME subsidy claims, credit turnaround times, and GrowWise advisory.
Have a specific scheme or banking query?
Connect directly with Karan Dua’s advisory desk on WhatsApp for instant clarification.
