capranayoswal@gmail.com Mon–Sat · 11:00 AM – 7:00 PM IST
Chartered Accountant · Company Secretary LinkedIn

Structure it right — before it becomes a problem.

Entity choice, transaction structuring, project reports and every registration a business needs — decided early, done in the right order. 350+ registrations handled to date.

Our approach

Cheap decisions now, or expensive corrections later.

A surprising amount of the compliance work we clean up traces back to one early decision made casually — the wrong entity for the funding plan, a transaction papered after the money moved, a registration skipped because nobody asked. Our advisory work exists to catch those decisions while they are still cheap. Before you incorporate, sign, borrow or restructure, we look at what the choice does to your tax, your compliance load and your ability to raise money later — and tell you plainly which way to go.

The registrations side is the execution arm of the same idea. Startup India, Udyam, PAN, TAN, Shop Act, professional tax — done together, in the right order, so a new business starts life with every number it needs and no gap a bank, a buyer or a tender committee will find later. We have handled 350+ registrations; the checklists are already written.

And when you need money, we speak the lender's language. Project reports and CMA data prepared the way credit teams actually read them — assumptions you can defend across the table, not templates padded to look thick.

At a glance

What this desk covers

  • Entity structure advisory — proprietorship to Pvt Ltd
  • Transaction structuring, planned before the money moves
  • Project reports & CMA data for bank finance
  • Bank loan & working capital support, through to sanction
  • Startup India / DPIIT recognition
  • Udyam (MSME) registration and updates
  • PAN, TAN & miscellaneous registrations

What we handle

Advice first, paperwork done — in the right order.

Eight things this desk does most often — from choosing the entity on day one to keeping every registration current.

Entity structure advisory

Proprietorship, partnership, LLP or private limited — we map liability, tax and funding plans to the form that fits, and tell you when to change it.

Transaction structuring, planned early

Business transfers, property deals, family arrangements, large payments — structured before signing, so the tax outcome is by design, not accident.

Project reports & CMA data

Bankable project reports and CMA data built the way credit teams read them — realistic projections, proper ratios, working capital worked out honestly.

Bank loan & working capital support

Term loans, cash credit and OD limits — we build the file, answer the bank's queries and follow the proposal through to sanction.

Startup India / DPIIT recognition

Eligibility check, application and recognition — the gateway to section 80-IAC incentives, easier public procurement and IP fast-tracking.

Udyam (MSME) registration

Classification, registration and updates on the Udyam portal — unlocking priority-sector lending and MSMED Act delayed-payment protection.

PAN, TAN & other registrations

PAN and TAN for new entities, corrections and reissues, plus IEC and the other numbers a business needs before its first invoice.

Shop Act, professional tax & misc

Shop & Establishment licences, professional tax enrolment and the state-level filings that follow — kept current, not just obtained once.

When to call us

Six moments that decide the next five years.

Structure advice is most valuable at turning points. If you are at one of these, an hour with us now saves a year of untangling later.

Starting up

Pick the right entity the first time. Converting a proprietorship to a private limited company later costs far more than choosing well on day one.

Raising or borrowing

CMA data and project reports banks actually accept — with projections you can defend across the table, not just submit and hope.

Crossing thresholds

GST registration, tax audit under section 44AB, e-invoicing — every threshold changes your obligations. Know the line before you cross it.

Restructuring

Proprietorship to private limited, partnership to LLP — done under the right provisions, so the conversion itself doesn't trigger a tax accident.

Going formal

Udyam, DPIIT, licences and registrations that unlock government tenders, cheaper credit and the larger customers who insist on paperwork.

Winding down

Final filings, registration surrenders and strike-off, done in order — so a dormant firm doesn't keep generating notices for years.

Common questions

Asked in almost every structure call.

For an eligible startup — a private limited company, LLP or registered partnership less than 10 years old with turnover under ₹100 crore — DPIIT recognition brings eligibility to apply for the tax holiday under section 80-IAC, relaxed norms in public procurement (exemption from prior-turnover and experience criteria, and from earnest money deposits in many government tenders), fast-tracked patent and trademark applications at rebated fees, and self-certification under several labour and environment laws. It is not automatic money — the 80-IAC exemption needs a separate approval. We assess whether you actually qualify, and whether it is worth the effort, before filing anything.
Udyam registration is free and takes minutes, but what it unlocks is substantial: classification as a micro, small or medium enterprise brings priority-sector lending, collateral-free credit under CGTMSE, delayed-payment protection under the MSMED Act — buyers must pay within 45 days or owe compound interest — and eligibility for central and state subsidies. If you sell to larger companies, Udyam also puts you inside their MSME disclosure obligations, which tends to get your invoices paid faster.
CMA — Credit Monitoring Arrangement — data is the standard format in which banks assess working capital limits. It lays out two years of actuals alongside projected operating statements and balance sheets, an assessment of your working capital cycle, and the ratios credit teams test — current ratio, TOL/TNW, DSCR. A weak or inflated CMA is the most common reason a proposal stalls. We prepare projections that hold together, with every number traceable to an assumption you can defend in the credit discussion.
It depends on three things: where the money will come from (investors need a private limited company; a self-funded business may not), how much liability the work carries, and how you want profits taxed and withdrawn. A proprietorship is the cheapest to run; an LLP balances limited liability with lighter compliance; a private limited company costs more to maintain but is the only form that investors and ESOPs really work with. A 30-minute structure call usually settles it — and choosing right now is far cheaper than converting later.

Have a deadline, a notice, or a plan to grow?

Get a clear answer on where you stand and what to do next — usually within one working day.