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Business Advisory & Valuation in Bhopal

Valuations, funding and restructuring — with the workings shown, because someone on the other side will test them.

Valuation

We value businesses and shareholdings for the reasons they usually need valuing: raising investment, admitting or retiring a partner, a family settlement, a transaction under the Companies Act, or a tax position that requires one.

Method follows purpose. A profitable services business with predictable cash flows is a discounted cash flow candidate; an asset-heavy manufacturer often values better on net asset value; a comparable-company multiple is a cross-check, not an answer. We say which method we used and why, and what the number is sensitive to.

Financial due diligence

Whether you are buying, selling, or taking investment, due diligence is where assumptions meet records. We test revenue recognition, quality of earnings, working capital normalisation, related-party dealings, contingent liabilities, and the tax and GST exposures that transfer with the entity.

The output is a report that says plainly what we found, what we could not verify, and which items should change the price or the warranties.

Funding and restructuring

  • Debt syndication — CMA data preparation, projections that a credit committee will accept, and lender coordination
  • Budgeting and forecasting with variance reporting that gets used rather than filed
  • Financial restructuring — capital structure, promoter funding, and stressed-account positions
  • Business modelling for new lines, locations or capacity, with the break-even and downside cases stated
A note on projections

We will not build a projection we cannot defend in front of a lender. If the numbers you want to show require assumptions your history does not support, we will say so before the credit committee does.

Questions

Frequently asked

When does a business actually need a formal valuation?

Most commonly: raising external investment, admitting or retiring a partner or shareholder, a family or matrimonial settlement, a merger or acquisition, an ESOP grant, or a statutory requirement under the Companies Act or the Income-tax Act. If money or ownership is changing hands on the basis of a number, that number should be defensible.

What is CMA data and why do banks ask for it?

Credit Monitoring Arrangement data is the standardised financial format Indian banks use to assess working capital and term loan proposals — historical financials, projections, fund flow and ratio analysis. Banks ask for it because it lets a credit committee compare your proposal against others on the same basis. A poorly prepared CMA is a common reason a viable proposal stalls.

Do you help with the whole funding process or only the paperwork?

Both. We prepare the financials and projections, but we also sit in lender discussions, respond to credit queries, and tell you when a term being offered is worse than it looks. Paperwork alone rarely gets a facility sanctioned.

Talk to a Chartered Accountant

Let's get your compliance in order.

A 20-minute call with CA Natasha Rajvaidya is usually enough to tell you where you stand, what it will cost, and what happens next.