Business Loan delivery for residential and jewellery firms across Mandaveli — backed by a 15+ year track record
Business Loan Project Report for residential businesses in Mandaveli near Mandaveli MRTS with on-time portal submission and full statutory reconciliation. Call 9566-068-468.
A Project Report is the structured techno-economic feasibility document that every scheduled commercial bank, RRB, cooperative bank and NBFC requires under the RBI Master Direction on Lending to MSME Sector (FIDD.MSME & NFS.BC.No.3 of 2017, as amended) before sanctioning a term loan. It contains an executive summary, promoter background, project description, market study, technical feasibility, financial projections (5-7 year P&L, balance sheet, cash flow), ratio analysis, sensitivity, breakeven and conclusion. Without a signed Project Report by a qualified CA / CMA / banker, the credit appraisal memorandum cannot be drawn up.
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Expert Business Loan in Mandaveli — qualified professionals, 15+ years experience, zero-penalty track record.
Project Reports and CMA Data signed by qualified CAs trained in RBI MSME Master Direction, the Sundaresan & Sons banking practice and ICAI's CMA-Data guidance — defensible at credit committee, not vendor-shop output.
Every Project Report follows the structure mandated by the RBI Master Direction on Lending to MSME Sector dated 24-07-2017 — executive summary, promoter, project, market, technical, financials, sensitivity, breakeven, conclusion. Mandaveli clients submit a document that ticks every credit-appraisal checkbox.
MPBF computed under Tandon Method I (75% of working capital gap), Method II (75% of current assets) and Nayak 20% turnover method side by side — borrower picks the optimal route. Method II is the standard PSU bank benchmark today.
Debt Service Coverage Ratio computed as (PAT + Depreciation + Interest) ÷ (Interest + Principal) for each tenure year. Average ≥ 1.50, year-1 ≥ 1.25 — non-negotiable benchmarks for Mandaveli sanctions in PSU banks.
Debt-equity ratio held at ≤ 2:1 (3:1 for projects above ₹50 crore). Promoter brings minimum 25-33% of project cost from equity, internal accruals or quasi-equity — infused before term loan disbursement per standard sanction conditions.
Current Ratio after MPBF drawdown is structured at ≥ 1.33:1 (Tandon Committee norm) with absolute minimum 1.17:1 under Method I. Breach triggers SMA-0 early warning under the RBI Prudential Framework dated 07-06-2019.
Every Business Loan Project Report engagement delivers measurable, guaranteed outcomes — expert professionals, on time, every time.
Why this matters here — In Mandaveli, the business activity radiating outward from Mandaveli MRTS and nearby commercial pockets; with quick access via Mandaveli MRTS and feeder routes connecting Mandaveli to the rest of Chennai.
Share documents via WhatsApp to 9566-068-468. No office visit required for Mandaveli clients.
Miss any of these and the next consequence kicks in automatically.
Deadlines in this neighbourhood — In Mandaveli, the cluster of residential, jewellery, retail businesses that defines Mandaveli's commercial fabric.
Deadline pressure points we see in Mandaveli: For Mandaveli engagements specifically — for Mandaveli's premium business segment that values fixed-fee compliance with senior-practitioner involvement.
Statutory form prescribed for Business Loan Project Report engagements; carries the information set required for filing or submission to the prescribed authority.
Statutory form prescribed for Business Loan Project Report engagements; carries the information set required for filing or submission to the prescribed authority.
Statutory form prescribed for Business Loan Project Report engagements; carries the information set required for filing or submission to the prescribed authority.
Statutory form prescribed for Business Loan Project Report engagements; carries the information set required for filing or submission to the prescribed authority.
Every claim on this page can be traced back to a section or rule below.
RBI Master Direction MSME Sector is the operative provision for business loan project report in this engagement. CMA Data Project Report bank-format projections for term loan working capital and CGTMSE collateral-free loans The taxpayer should ensure the procedural conditions under this section are met before any filing or submission. Failure to comply attracts the consequences separately prescribed under the penalty and interest provisions of the same Act.
Mandaveli (PIN 600028) falls under the Mylapore Division of the Chennai South, the jurisdiction that handles statutory matters for businesses at this PIN. Because PIN 600028 sits inside the Chennai South jurisdiction, the handling office for Mandaveli stays consistent across years, which matters when filings or approvals span cycles. Approvals, acknowledgements and queries for Mandaveli businesses tie back to the Mylapore Division, so our Business Loan cadence accounts for how that office works. Businesses registered in Mandaveli share the Chennai South jurisdiction, and their statutory matters route through the same Mylapore Division each time.
Most commerce in Mandaveli — invoices, expenses, purchases and statutory records — eventually surfaces in the Business Loan working file we maintain for clients here. Freight and foot traffic from the Mandaveli MRTS hub pull steady daily commerce through Mandaveli, so there is rarely a quiet filing month in this premium residential with jewellery and retail pocket. Document pickup near Sri Rama Krishna Mission Hospital is a same-hour errand for our Mandaveli engagements rather than the half-day a typical Chennai client expects. The premium residential with jewellery and retail mix of Mandaveli shapes what lands in our workpapers — a blend of jewellery activity and the commercial pulse around Sri Rama Krishna Mission Hospital.
Business Loan Project Report for retail businesses in Mandaveli hinges on getting the sector's recurring entries right the first time. retail units around Mandaveli share recurring Business Loan patterns — input-credit timing, vendor reconciliation, and sector-specific documentation. For a retail business in Mandaveli, the Business Loan Project Report scope is rarely generic; we tailor the checklist to how that sector actually transacts. A retail operator in Mandaveli gets a Business Loan workflow shaped by sector norms, not a one-size-fits-all template.
Our Mandaveli Business Loan process is built to be predictable, documented, and on time, cycle after cycle. The Mandaveli Business Loan Project Report workflow is documented end-to-end: WhatsApp document intake, a working file, qualified review, and a filed acknowledgement back to you. The qualified-review step on every Mandaveli Business Loan file is where errors get caught before they reach the portal. Working papers for Mandaveli Business Loan Project Report engagements stay archived and retrievable, which makes any later notice or query straightforward to answer.
We treat Mandaveli and Mylapore as one catchment for Business Loan Project Report, which keeps documentation and turnaround consistent. Proximity to Mylapore means a Mandaveli engagement can extend across the locality cluster with no change in cadence. Serving Mandaveli and Mylapore from one team keeps Business Loan Project Report turnaround identical across the cluster. Group companies spread across Mandaveli and Mylapore consolidate their Business Loan under one engagement with us.
Patterns we track for Mandaveli include residential documentation gaps, timing mismatches, and the questions the Mylapore Division tends to raise. The longer we serve Mandaveli, the more precisely we predict where a Business Loan file needs attention. The Business Loan Project Report mistakes we see most in Mandaveli are avoidable with disciplined intake, which our checklist enforces. Because we work repeatedly across Mandaveli, we can benchmark a new client's Business Loan Project Report position against the locality norm.
A startup setting up near Mandaveli MRTS in Mandaveli gets a Business Loan foundation built for the Mylapore Division from day one. When a Raja Annamalai Puram business expands into Mandaveli, we extend its Business Loan setup to PIN 600028 without disruption. Incorporating in Mandaveli comes with jurisdiction, registration and Business Loan steps that we sequence so nothing stalls the launch. Relocating a registered office into Mandaveli (PIN 600028) changes the assessing division, and we handle that Business Loan Project Report transition cleanly.
Bank-format Project Report and CMA Data prepared in Mandaveli under the RBI Master Direction on Lending to MSME Sector 2017 and the Tandon Committee 1974 framework — 5-7 year financial projections, DSCR ≥ 1.50, MPBF computation, CGTMSE ₹5 crore coordination and multi-bank shopping for the best sanction terms.
A dedicated business loan consultant in Mandaveli structures the Project Report executive summary, market study, technical feasibility and financial projections; computes Debt Service Coverage Ratio, Maximum Permissible Bank Finance under Tandon Method II and current ratio benchmarks against bank credit policy.
Collateral-free credit guarantee under CGTMSE up to ₹5 crore (effective 09-03-2023), Pradhan Mantri Mudra Yojana across Shishu / Kishore / Tarun / Tarun Plus tiers and Stand-Up India ₹10 lakh-₹1 crore loans for SC/ST and women entrepreneurs structured for Mandaveli businesses.
Parallel application filing across scheduled commercial banks, cooperative banks, RRBs and NBFCs in Mandaveli; sanction letter comparison on rate of interest, tenure, processing fee, prepayment, collateral and CGTMSE coverage to achieve 50-150 bps cost saving.
CGTMSE coverage is not automatic; it must be specifically invoked by the lender under the Member Lending Institution agreement with Credit Guarantee Fund Trust. The borrower must hold Udyam registration and meet eligibility filters including project DSCR above 1.5 and acceptable credit-bureau record.
RBI's prudential norms benchmark the maximum debt-equity ratio for MSME borrowers at 3:1 for senior term-loan facilities. Subordinated debt and quasi-equity structures may be excluded from senior leverage computation if formally subordinated under enforceable inter-creditor or shareholder agreements.
SARFAESI Section 13(4) possession is challenged through a Securitisation Application under Section 17 of SARFAESI Act filed before the Debts Recovery Tribunal within 45 days of the possession action. Grounds include defective Section 13(2) notice, wrong NPA classification, or violation of RBI's IRACP norms.
Section 18 of SARFAESI Act mandates a pre-deposit of 50% of the debt due before filing an appeal before the Debts Recovery Appellate Tribunal against a DRT order. The DRAT has discretion under proviso to Section 18 to reduce the pre-deposit to 25% on demonstrated financial hardship.
A financial creditor may file a Section 7 IBC application before NCLT when default exceeds Rs.1 crore. Innoventive Industries v ICICI Bank confirms the limited two-step inquiry: existence of debt and proof of default. Vidarbha Industries v Axis Bank empowers NCLT to exercise discretion in admission.
Yes. In Swiss Ribbons Pvt Ltd v UoI (SC 2019), the Supreme Court upheld the constitutional validity of the Insolvency and Bankruptcy Code 2016 in its entirety, including Section 29A disqualifications and the creditor-driven Resolution Plan framework under Section 31, finding no violation of Articles 14, 19 or 21.
What Mandaveli clients want to know before signing: For Mandaveli engagements specifically — around the Mandaveli MRTS catchment of Mandaveli.
Reading this guide locally — In Mandaveli, around the Mandaveli MRTS catchment of Mandaveli.
The principal regulatory instrument governing bank lending to MSMEs is the Reserve Bank of India's Master Direction on Lending to Micro, Small and Medium Enterprises, currently consolidated as RBI/FIDD/2017-18/56 and updated through successive amendments. The Master Direction operates under Sections 21 and 35A of the Banking Regulation Act 1949 and binds all Scheduled Commercial Banks, Regional Rural Banks, Small Finance Banks and All-India Financial Institutions. It codifies the substantive lending obligations and procedural protocols including time-bound credit appraisal, simplified documentation, transparent restructuring of stressed accounts, and the Code of Conduct for lenders dealing with MSE borrowers. The Master Direction is supplemented by the RBI Master Direction on Priority Sector Lending (RBI/2017-18/82) which classifies MSME credit as a sub-target within the broader priority-sector framework, with domestic banks required to deploy forty per cent of adjusted net bank credit to priority sectors and 7.5 per cent specifically to Micro enterprises.
The Micro, Small and Medium Enterprises Development Act 2006 (MSMED Act) provides the substantive definitions and the enterprise-classification framework against which MSME lending is calibrated. Notification S.O. 1702(E) of 26-06-2020 issued under Sections 7 and 8 of the MSMED Act prescribes the composite investment-and-turnover criteria with the same thresholds for manufacturing and services: Micro (₹1 crore investment, ₹5 crore turnover), Small (₹10 crore, ₹50 crore) and Medium (₹50 crore, ₹250 crore). Notification S.O. 2119(E) of the same date provides the operational mechanic for annual automatic reclassification based on PAN and GSTIN-linked data integration. The Office Memorandum of 02-07-2021 extended Udyam Registration to retail and wholesale trade activity solely for the limited purpose of priority-sector lending classification under RBI/2017-18/82, with the broader MSE benefits remaining unavailable to trade-only Udyam holders.
The RBI Master Direction on Loan System for Delivery of Bank Credit (consolidated April 2019, last amended 2024) regulates the structural composition of working-capital limits sanctioned by Scheduled Commercial Banks. The Direction provides that for borrowers with working-capital limits of ₹150 crore and above, a minimum of sixty per cent of the sanctioned fund-based limit must be in the form of Working Capital Demand Loan (WCDL) and only the residual forty per cent may be in cash credit, with the bifurcation reviewed annually. The bifurcation is intended to instil disciplined working-capital utilisation, addressing the Chore Committee 1979 finding that pure cash-credit financing led to indiscipline because borrowers treated the limit as a perpetual revolving facility with no compulsion to repay. The Loan System Direction also prescribes the loan-component-and-cash-credit-component framework for limits below ₹150 crore on a graduated basis.
Under the current RBI Master Direction on MSME Lending, the choice of working-capital assessment method is structured by limit threshold. For working-capital limits up to ₹5 crore extended to MSE borrowers, the Nayak Method (twenty per cent of projected annual turnover with five per cent margin) applies as the default. For limits above ₹5 crore but below ₹150 crore, the Tandon Method-II (75 per cent of working-capital gap with 25 per cent margin) applies. For limits of ₹150 crore and above, the Loan System Direction's sixty-forty WCDL-CC bifurcation applies on top of the Tandon Method-II assessment. The choice is borrower-driven within these thresholds, and a Nayak-eligible borrower may elect to migrate to the Tandon Method-II for the additional analytic-rigour benefit, but the converse migration from Tandon to Nayak is not permitted once the threshold is crossed.
The Tandon Committee constituted by the Reserve Bank of India under the chairmanship of P.L. Tandon submitted its report in 1974 and laid the foundational framework for working-capital assessment in India. The Committee recommended three methods of computing the maximum permissible bank finance: Method-I (75 per cent of the working-capital gap, with the borrower contributing the residual 25 per cent), Method-II (75 per cent of the current assets, less other current liabilities, with the borrower contributing 25 per cent of current assets), and Method-III (75 per cent of current assets less core current assets, the latter to be financed entirely by long-term sources). The Committee also introduced the concept of the operating cycle as the basis for working-capital computation and prescribed industry-wise inventory and receivables-holding norms. RBI implemented Method-II as the default for medium and large borrowers and Method-I for smaller borrowers.
The Chore Committee under the chairmanship of K.B. Chore submitted its report in 1979 and addressed the practical failures of the Tandon framework. The Committee found that the cash-credit system as implemented was producing indiscipline because borrowers were drawing the full limit irrespective of genuine working-capital need, treating the limit as a perpetual revolving facility. The Committee's principal recommendations were the introduction of the Working Capital Demand Loan (WCDL) for a portion of the working-capital limit (with a fixed tenor and structured repayment), tighter monitoring through quarterly information and operating-statement returns, and a graduated movement from Tandon Method-I to Method-II as the borrower's size and sophistication increased. The Chore framework laid the foundation for the present-day sixty-forty bifurcation between WCDL and CC under the RBI Master Direction on Loan System.
Beyond the cash-credit-vs-WCDL choice, the borrower also navigates the term-loan-vs-overdraft distinction. A term loan is a fixed-tenor instrument sanctioned for a specific capital-expenditure purpose, with a structured repayment schedule (typically monthly equated instalments) over a tenor matching the depreciable life of the underlying asset (typically five to ten years). The interest rate is fixed or floating against the bank's MCLR, with the term-loan agreement specifying the reset frequency. An overdraft is a revolving credit facility (similar to cash credit) but typically secured against a wider security base (term deposits, immovable property, life insurance policies) rather than current assets alone. The term-loan-vs-overdraft choice is driven by the purpose of borrowing — capital expenditure financing requires a term loan with structured amortisation, while working-capital fluctuations are managed through a revolving instrument (cash credit or overdraft).
From the borrower's perspective, the optimal working-capital instrument structure is rarely a single facility but rather a blended package. For a typical MSE manufacturing borrower with working-capital limit of ₹2 crore, the package may comprise a cash-credit limit (typically ₹1.5 crore) for routine procurement and overhead financing, an ad-hoc WCDL (typically ₹50 lakh) for the seasonal-peak working-capital requirement, a Letter of Credit sub-limit (typically ₹50 lakh) for import-procurement, and a Bank Guarantee sub-limit (typically ₹50 lakh) for tender Performance Security. Each sub-limit is priced separately (with non-fund-based limits at concessional commission rates) and the borrower's all-in cost is optimised by drawing against the lowest-cost instrument first. The package structure is documented in the CMA Form-III with explicit sub-limit allocation.
Cash credit is a revolving credit facility with no fixed maturity, sanctioned for a typical one-year tenor and subject to annual review. The borrower may draw and repay any number of times within the sanctioned limit, subject to drawing-power computation against hypothecated stock and book debts (typically with margin of 25 per cent for stock and 25 per cent to 50 per cent for book debts depending on debtor age). Interest is charged on the daily debit-balance, computed monthly and debited to the account at month-end. The borrower's interest cost is therefore directly linked to the daily utilisation, providing flexibility for borrowers with cyclical or seasonal cash-flow patterns. Cash credit is operationally similar to an overdraft but conventionally distinguished by the hypothecation-of-current-assets primary security, whereas an overdraft may be against a wider security base.
The Credit Monitoring Arrangement (CMA) framework as prescribed by the Reserve Bank of India and the Indian Banks' Association requires the borrower to submit a structured set of forms supplementing the project report. CMA Form-I is the executive summary capturing the borrower's identity (PAN, GSTIN, Udyam Registration Number, constitution, registered address), business activity (NIC code, products, markets), key promoters and management, banking arrangement (existing limits, lender concentration), and the proposed credit facility (purpose, amount, tenor, security offered). Form-I is the lender's entry-point to the proposal and a poorly-constructed Form-I (omissions, inconsistencies with downstream forms) is the most common reason for proposal-resubmission demands. Best practice is to draft Form-I after the rest of the package is final to ensure full consistency.
CMA Form-II is the operating statement capturing the borrower's profit-and-loss profile across the assessment period — typically the past three financial years (audited) and the projected next two or three years (estimated). The form is structured to break revenue into core-business and non-core (interest income, dividend, miscellaneous), and to break costs into raw-material, employee, finance, depreciation and other-operating heads. Industry-specific ratio computations (gross-margin per cent, EBITDA margin per cent, net-margin per cent, interest-coverage ratio) are derived in the lower section. Form-II must reconcile to the audited financial statements for the past years and to the projected balance sheet in CMA Form-III for the future years. Any unexplained discrepancy is the second most common cause of proposal-resubmission demands, after Form-I inconsistencies.
CMA Form-III is the balance-sheet form capturing the borrower's asset-liability position across the assessment period, structured to facilitate the Tandon Method or Nayak Method working-capital computation. The form disaggregates current assets (inventory by type, receivables by ageing, cash and equivalents, other current assets) and current liabilities (sundry creditors, statutory dues, short-term borrowings, other current liabilities), with the working-capital gap and the maximum-permissible-bank-finance derived in the lower section. The form also captures non-current assets (gross block, depreciation, net block, capital-work-in-progress, investments), non-current liabilities (long-term borrowings, deferred-tax) and net-worth. Form-III is the analytical heart of the CMA package, and lender's credit-officer time is most heavily concentrated here.
What Mandaveli clients usually ask next: For Mandaveli engagements specifically — for Mandaveli's premium business segment that values fixed-fee compliance with senior-practitioner involvement.
Interest Coverage Ratio — computed as EBIT divided by total interest expense. Bankers target a minimum of 3 for comfortable servicing. ICR below 2 signals stress; below 1.5 typically triggers EM-1 flagging.
Ratio of total long-term debt to tangible net worth. Bankers cap this at 2:1 for most sectors and 3:1 for infrastructure. Breach typically requires promoter capital infusion before sanction.
Ratio of current assets to current liabilities. Bankers target a minimum of 1.33 for working capital sanction. Below 1.17 the proposal is typically deferred for restructuring.
Total Outside Liabilities to Tangible Net Worth — measures leverage in totality including current liabilities. Bankers cap at 3:1 to 4:1 depending on sector. Trading entities typically permitted higher than manufacturing.
Computed as current assets less current liabilities (excluding bank borrowing). The gap is funded by margin money (promoter contribution) and bank borrowing. Used as the base for MPBF computation under Tandon Methods.
DP — the limit up to which a borrower can draw against a sanctioned working capital facility, computed monthly basis stock and debtor statement after applying prescribed margins. May be lower than sanctioned limit if collateral cover falls.
The borrower's own contribution to the asset financed — typically 25% to 35% for term loans depending on asset category and 25% on stock plus 35% on debtors for working capital. Must be from declared sources verifiable in CMA.
Charge created on movable assets (stock, debtors, machinery) where possession remains with the borrower but the bank holds a legal interest. Documented in deed of hypothecation and registered with CERSAI.
Term loan finances fixed assets with fixed tenure and EMI repayment. Cash credit (CC) is a revolving working capital limit secured against current assets. Working Capital Demand Loan (WCDL) is a short-tenure fixed-installment loan carved out of CC at lower interest, typically 7 to 180 days.
Credit Guarantee Fund Trust for Micro and Small Enterprises — provides credit guarantee coverage of 75% to 85% of the sanctioned amount (up to ₹5 crore) for collateral-free loans. Coverage application filed in Form 5 within 60 days of disbursement intent. Annual guarantee fee of 0.37% to 1.35% applies.
Application form for CGTMSE coverage filed by the lending institution within 60 days of sanction. Captures borrower particulars, loan amount, asset details, and consent for premium deduction. Failure to file within the window forfeits coverage eligibility for that loan.
Statement issued by the existing lender to the takeover lender certifying outstanding balance, account conduct, security particulars, and no-dues subject to settlement. Mandated by RBI circular on transfer of borrowal accounts. Typical issuance window is 21 days from request.
How the local trade mix shapes this — In Mandaveli, the business activity radiating outward from Mandaveli MRTS and nearby commercial pockets.
Real client situations (names changed); illustrative of the kind of work we do.
Why these Mandaveli engagements look the way they do: For Mandaveli engagements specifically — the cluster of residential, jewellery, retail businesses that defines Mandaveli's commercial fabric; for Mandaveli's premium business segment that values fixed-fee compliance with senior-practitioner involvement.
“FilingPro prepared the Project Report and CMA Data for our ₹3.5 crore term loan plus ₹2 crore CC limit. Tandon Method II MPBF, DSCR average 1.78 across 7 years, sensitivity stress-tested. Sanctioned by Indian Bank in 22 days flat. Clear explanation of every assumption to the credit officer.”
“As a women-led textile unit in Mandaveli we got 85% CGTMSE coverage on ₹2.4 crore loan — completely collateral-free. FilingPro structured the application after the 09-03-2023 ceiling enhancement and AGF was correctly computed at 0.74% on the women-concession rate. Saved us pledging the family property.”
“Multi-bank shopping was the differentiator — FilingPro got us four sanction letters (SBI, Canara, HDFC, Axis) for the same Project Report. Negotiated 80 bps off the SBI rate by showing the Axis offer. Disbursement coordination through to documentation was hand-held end-to-end. Worth every rupee of fee.”
“Stand-Up India loan for our greenfield organic processing unit — ₹65 lakh sanctioned with 18-month moratorium and 7-year repayment under CGFSI guarantee. FilingPro mapped the eligibility, prepared the project report in the standard Stand-Up India format and coordinated with the Bank of Baroda branch. Smooth process.”
“Took over our existing ₹4 crore loan from a cooperative bank to Federal Bank with 130 bps rate reduction. FilingPro re-prepared CMA in the new bank's format, obtained NOC, set up fresh charge and the takeover was completed without a day's interest break. EMI dropped by ₹38,000 a month.”
“Premium plan for our ₹28 crore plant expansion — 10-year projections, IRR 19.4%, NPV positive at 12% discount rate, technical feasibility from layout to capacity build-up, sensitivity tornado chart. SIDBI sanctioned with TIIC participation as consortium. Investment-grade documentation that the appraising banker complimented.”
Common questions from Mandaveli clients. Call 9566-068-468 for specific queries.
Across Mandaveli we look after firms on Broadies Castle Road, Devanathan Street, Doctor Ranga Road, Kutchery Road and RA Puram 2nd Main Road as well as the RK Mutt Road, Ramkrishna Mutt Road, Broadie's Castle Road and Brodie Castle Road corridors — local Business Loan without the cross-city travel.
Professional Business Loan Project Report in Mandaveli, Chennai. Call @ 9566-068-468. Offices at Maduravoyal, Nerkundram & Nolambur (upcoming). 15+ years experience, 4.9★ rated.
FilingPro Chennai — 15+ Years of Expert Tax & Business Consulting. Offices at Maduravoyal, Nerkundram & Nolambur (upcoming), Chennai. Call @ 9566-068-468. Disclaimer: Information on this page is for general guidance only and does not constitute legal, financial or tax advice. Consult a qualified professional for specific advice.