Tax Audit Cases · Due by 31 Oct 2026 (where accounts are liable to audit u/s 44AB)
Office No. 102, Snehraj Apartment, Baner, Pune — 411045+91 77570 45059
RDA Tax Advisory Services
Service · 04 of 06

Capital, raised at ninety-five percent success.

₹2,500 Cr raised, 150+ proposals, 95% success rate, 32+ banking partners. We know which banker to call, not just which form to fill.
What we do

Practice areas.

01

Home Loans & Residential Finance

End-to-end assistance for home loan, plot loan, and under-construction purchase finance.

  • Home loan eligibility computation — income assessment and FOIR (Fixed Obligation to Income Ratio) optimisation
  • Lender selection strategy — PSU banks, private banks, and HFCs compared on rate, processing fee, and flexibility
  • Documentation preparation — ITR, Form 16 (Form 130 from FY 2026-27 under IT Act 2025), salary slips, bank statements, and property documents
  • Project approval list check for under-construction properties
  • Balance transfer analysis — when switching lender saves meaningful interest
  • Section 24(b) home loan interest deduction — IT Act 1961 (Section 22 of IT Act 2025 from FY 2026-27): ₹2 lakh for self-occupied; unlimited for let-out
  • Section 80C principal repayment deduction — IT Act 1961 (Section 123 of IT Act 2025 from FY 2026-27): up to ₹1.5 lakh
  • NRI home loan advisory — FEMA-compliant repayment from NRE/NRO/FCNR accounts
02

Business Loans — Working Capital & Term Finance

CC/OD limits, term loans, and working capital facilities for SMEs, traders, and manufacturers.

  • Cash Credit (CC) and Overdraft (OD) limit — drawing power computation and stock/book debt statement preparation
  • CMA (Credit Monitoring Arrangement) data preparation — past 3 years actuals + 2 years projected financials
  • DSCR (Debt Service Coverage Ratio) and liquidity ratio workings for term loan sanction
  • Loan Against Property (LAP) — property valuation coordination, mortgage documentation, and EMI structuring
  • Lease Rental Discounting (LRD) — rental cash flow securitisation for commercial property owners
  • MSME loan under CGTMSE (Credit Guarantee Fund Trust) — collateral-free up to ₹5 crore
  • Export finance — pre-shipment credit (PCFC), post-shipment credit, and LC (Letter of Credit) facilitation
  • Loan restructuring and One-Time Settlement (OTS) advisory for stressed accounts
03

Project Finance & Structured Credit

Large-ticket project finance for real estate developers, infrastructure, and manufacturing capex.

  • Project cost estimation and funding mix structuring — equity : debt : mezzanine ratio
  • Detailed Project Report (DPR) preparation — market analysis, revenue projections, cost estimates, and financial model
  • Construction finance and project loans for real estate developers (MahaRERA-registered projects)
  • NCD (Non-Convertible Debenture) and structured debt advisory for growth-stage companies
  • Subsidy and scheme identification — PMEGP, PLI, SIDBI schemes, state government incentives
  • Bank loan proposal writing — executive summary, business overview, financials, and security profile
  • Private equity and venture debt sourcing for high-growth businesses
  • Takeover of existing credit facilities — better rate, tenure, and terms negotiation
How it works

What happens after you reach out.

01

Share your situation

A call or WhatsApp message is enough to start — no long form to fill in first.

02

We scope and quote

A senior advisor reviews what you need and gives you a fixed fee, upfront, before any work begins.

03

A named professional handles it

Your engagement is run by a specific CA, CS, or Advocate — not a rotating queue.

04

You review before anything is filed

Nothing goes to a regulator, bank, or counterparty without your sign-off first.

Why RDA

Track record on this practice.

₹2,500 Cr
Raised across proposals
150+
Proposals submitted
95%
Success rate
32+
Banking partners

4.9★ on Google · 109 verified reviews — every engagement is led by a practising Chartered Accountant, Company Secretary, or Advocate.

Adjacent practices

Often paired with.

Financial Planning

Individual & HNI Financial Planning

Goal-based planning, asset allocation, and portfolio rebalancing for HNIs, families, and NRIs.

Explore
Tax Advisory

Tax Advisory

Tax management, audit, and accounting for domestic and multinational businesses.

Explore
Litigation

Litigation Support Services

Defence and offence across GST, Income Tax, MahaRERA, and property disputes.

Explore
Common questions

Frequently asked.

What is CMA data and why does the bank ask for it?
CMA (Credit Monitoring Arrangement) data is a standardised financial analysis format prescribed by RBI for working capital and term loan assessments. It presents past 3 years' actual financial performance and 2 years' projected financials. A well-prepared CMA from a CA significantly increases the probability of loan sanction and better terms.
Can I get a business loan without collateral?
Yes. Under the CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) scheme, eligible MSMEs can get collateral-free working capital and term loans up to ₹5 crore from member lending institutions. RDA Advisory prepares the complete MSME loan proposal and assists with Udyam registration, which is required for CGTMSE eligibility.
What is Lease Rental Discounting (LRD)?
LRD is a loan product where the bank lends money against the future rental income from a tenanted commercial property. The bank discounts the present value of future lease rentals and disburses the loan. The tenant's rent is directly credited to the bank account to service the loan. LRD is popular among commercial property owners in Pune's IT corridor (Hinjewadi, Baner, Kharadi).
Talk to us

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+91 77570 45059WhatsApp +91 89833 15710

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