Posts

Udyogini Scheme—Benefits, Eligibility and How to Apply in

-
Image
  By Sharda Associates | CA Firm, Bhopal, Madhya Pradesh, India You Have a Business Idea, You Have the Skills, But the Money Is Not There — Udyogini Scheme Was Made Exactly for This Situation Sharda Associates is a CA firm based in Bhopal, Madhya Pradesh, India. Our CA team prepares loan documentation for women entrepreneurs across India — and the conversation we have most often goes something like this. A woman calls us. She has been making pickles, or stitching clothes, or running a small food business from home for two or three years. She has customers. She has a product. What she does not have is formal credit, a business registration, or any idea that a government scheme exists that will give her a subsidised loan with almost no collateral to scale up what she is already doing. That scheme is Udyogini. And if you are a woman running or planning a small business in India, this guide will tell you everything you need to know about it — in plain language, without the jargon. We h...
Post a Comment
Read more

What Is EBITDA? Definition, Formula and Calculation

-
Image
  What Is EBITDA? Definition, Formula and Calculation Explained Simply By Sharda Associates | CA Firm, Bhopal, Madhya Pradesh, India You Heard EBITDA in a Meeting or Loan Discussion and Nodded Along — But You Are Not Actually Sure What It Means EBITDA is one of those financial terms that is thrown around all the time in investor conversations, bank appraisal meetings and business valuations – and most business owners have a vague idea it’s something to do with profit, but aren’t quite sure what it actually measures or why it’s important for their specific situation. In this guide, we will break down EBITDA from scratch – what it means in simple terms, the two ways to calculate it, what the number actually tells you about a business, and where it matters in the context of Indian business finance, bank loans and valuation discussions. Sharda Associates is a CA firm in Bhopal, Madhya Pradesh, India. Our CA team deals with business financial statements on a day-to-day basis—preparing ...
Post a Comment
Location: India
Read more

CMA Report Rejected by Bank — What to Do Next and How to Fix It

-
Image
By Sharda Associates | CA Firm, Bhopal, Madhya Pradesh, India Your CMA report came back with a query letter, and you do not know what happens now. This is one of the most common calls our CA team receives. A business owner submitted their CMA report weeks ago; the bank finally responded, and instead of a sanction letter, there is a query letter listing problems they do not fully understand. DSCR below benchmark. Balance Sheet discrepancy. MPBF recalculation required. Historical figures not matching ITR. The first reaction is usually panic. Does this mean the loan is rejected entirely? Does the business have to start over? Will this affect future applications with the same bank? Here is what we tell every client in this situation. A CMA report return is not a final rejection. It is the bank's credit officer telling you exactly what is wrong with the document, which is actually useful information. Almost every returned CMA report can be corrected and resubmitted successfully, often...
Post a Comment
Location: India
Read more

PMFME Scheme—Full Form, Eligibility and Benefits Explained Simply

-
Image
  PMFME Scheme—Full Form, Eligibility and Benefits Explained Simply Sharda Associates | CA Firm | Bhopal | Madhya Pradesh | India You Run a small food business from home or a tiny shop, and you keep hearing about PMFME, but no one has explained it properly. Making Pickles. Rolling papads. Grinding spice. Bakery products. Snack making. Millet products. Processing (Honey). Millions of people across India run this kind of food business – often from home, often without formal registration, often with no access to bank credit because their business has never existed on paper. PMFME was built for this exact situation. Not for big food processing companies. For someone who has been producing and selling food products informally for years, has a real product and real local demand, and needs help to become a formal, bankable, growing business. This guide makes PMFME easy to understand in simple language — what it really is, who it can really help, what you really get, and how to apply witho...
Post a Comment
Location: India
Read more