Institutional Financial Architecture for Ambitious Enterprises
Under the strategic leadership of Karan Dua, GrowWise Consultancy engineers bankable credit structures, claims maximum government subsidies, and syndicates growth capital without bureaucratic friction.
Founder & Managing Director
Karan Dua
Specialist in MSME project loans, subsidy architecture, and consortium banking. Directly evaluating all corporate credit applications.
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
Subsidies & Grants
Non-repayable capital incentives & interest subventions from central and state ministries.
Detailed Strategic Scope
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. We eliminate bureaucratic bottlenecks through direct policy interpretation.
Manufacturing & eligible service MSMEs setting up greenfield plants, modernizing technology, or expanding production capacity by 25% or more.
- Udyam Registration Certificate & GSTIN
- Bankable Detailed Project Report (DPR)
- Term Loan Sanction Letter & Disbursement proof
- Invoices & CA Certificates for Plant & Machinery
- Factory Land Ownership Deed / Registered Lease
1. Scheme Audit: Evaluate plant specs & maximum policy incentives.
2. Bankable DPR: Structure TEV-compliant report for nodal ministries.
3. Portal Liaison: DIC / MSME department submission and inspection.
4. Credit Release: Direct committee approval and electronic disbursement.
Equity Fundraise
Institutional capital, strategic investors & family office syndicate access.
Advisory Scope
End-to-end investment advisory including robust financial modeling, investor pitch deck curation, company valuation under DCF/comparable multiples, and term-sheet negotiation.
High-growth startups, D2C brands, manufacturing scale-ups, and technology enterprises seeking non-debt expansion equity from angels, micro-VCs, or private equity.
- Existing Pitch Deck & Executive Summary
- Audited Financial Statements (Last 2-3 Years)
- Cap Table & Shareholding Structure
- Unit Economics & Customer Retention Cohorts
Mudra Loan (PMMY)
Collateral-free government credit under Pradhan Mantri Mudra Yojana
Scope of Assistance
Structured credit facilitation for micro and small enterprises across Shishu, Kishore, and Tarun categories without requiring mortgage or collateral assets.
Micro entrepreneurs, traders, shopkeepers, artisans, logistics operators, and small manufacturing workshops seeking quick capital without pledging collateral.
- PAN Card & Aadhaar Card of Applicant / Partners
- Business Registration / Shop & Establishment Certificate
- Last 6 to 12 months Savings / Current Bank Statement
- Quotation of machinery, tools, or merchandise to be purchased
PMEGP / PMFME
Prime Minister Employment Generation & Food Processing Subsidies
Scope of Grant Formulation
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.
Aspiring and existing entrepreneurs setting up manufacturing plants (up to ₹50L), service units (up to ₹20L), or micro food processing enterprises eligible for 35% non-repayable grants.
- Aadhaar Card, PAN Card & Passport Size Photographs
- 8th Pass / Highest Educational Qualification Certificate
- Detailed Project Report (DPR) prepared as per KVIC guidelines
- Machinery Quotations from registered GST suppliers
Working Capital Loan
Cash Credit, Overdraft, Letter of Credit & Bank Guarantees for liquidity
Operational Liquidity Optimization
Optimize your operational cash cycle with customized limits tailored to inventory cycles, debtors turnover, and contract execution requirements across PSU & private banks.
Manufacturers, traders, distributors, and EPC contractors with turnover above ₹1 Cr who need revolving credit lines to purchase inventory and manage payment cycles.
- Last 3 Years Audited Financial Statements with CA Tax Audit Report
- Latest 12 Months Bank Statements of all operating accounts
- CMA Data with 2-Year Projected Financials
- GST Returns (GSTR-3B & GSTR-1) for trailing 12 months
Term Loan
Long-term project financing for plant, machinery & factory infrastructure
Scope of Project Financing
Capital debt financing for greenfield projects, brownfield expansions, technological upgrades, industrial warehouse development, and commercial equipment procurement.
Commercial and industrial businesses investing in capital assets, plant expansion, warehouse construction, imported machinery, or factory land development.
- Techno-Economic Viability (TEV) Report & Civil Works Estimate
- Performa Invoices & Quotations from machinery manufacturers
- Industrial Land Registry / Allotment Letter & Building Layout Plan
- Last 3 Years Audited Financials with ITR & Net Worth Statements
Personal Loan
High-ticket collateral-free personal financing for directors & business leaders
Scope of Unsecured Executive Debt
Speedy unsecured liquidity for proprietary owners, partners, and corporate executives for immediate capital needs, bridging investments, or personal financial commitments.
Company directors, key managerial personnel, business partners, and high-income self-employed executives needing fast unsecured cash infusions.
- PAN Card & Aadhaar Card of Borrower
- Last 2 to 3 Years ITR with Computation of Income and CA Audit
- Last 12 Months Savings & Current Account Bank Statements
- Proof of Business Ownership & Vintage Proof
LAP / LAS
Unlock locked capital from residential/commercial property, shares & bonds
Scope of Asset Monetization
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.
Property owners and equity investors looking for high-ticket capital at significantly lower interest rates than unsecured loans, while continuing to enjoy rental yields and capital gains.
- Complete Chain of Title Deeds (Sale Deed, Conveyance, Mutation)
- Approved Sanction Plan & Property Tax Paid Receipts
- For LAS: Latest Demat Holding Statement (CAS) with pledge request
- Last 3 Years Audited Financials with ITRs of borrower & co-borrower
LAMF / LAG
Instant liquidity against Mutual Fund portfolios and Gold assets
Scope of Collateralized Liquid Asset Financing
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.
Investors and business promoters who need short-term liquidity without triggering capital gains taxes or breaking long-term wealth creation compounding.
- PAN Card & Aadhaar Card (OTP linked)
- CAMS / KFintech Consolidated Account Statement (CAS)
- Active Net Banking for automated e-mandate setup
- For LAG: Physical gold jewelry with proof of purchase / valuation certificate
Ongoing Compliances / Incorporated
Annual MCA filings, corporate secretarial governance, company incorporation & Startup India
Scope of Corporate Secretarial & Tax Practice
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.
Startups, newly incorporated companies, and established MSMEs seeking zero-penalty statutory compliance, board governance, ROC secretarial support, and tax exemptions.
- PAN, Aadhaar & Passport of All Proposed Directors
- Digital Signature Certificate (Class 3 DSC) for Directors
- Electricity Bill / NOC of Registered Office Premises
- Bank Statement with latest 2 months entries for identity proof
Direct Strategic Access to Karan Dua
Consult with our senior financial architecture team at our New Delhi headquarters or schedule a virtual mandate discussion.
Karan Dua
Chief Strategic Advisor & MSME Architect
“Our commitment is simple: no junior runarounds. Every business is evaluated with banking precision to structure maximum capital subsidies, unlock trapped collateral, and minimize effective interest outlays.”
Basement, O-11A, Block O, Jungpura Extension, New Delhi, Delhi 110014
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