Business Loan Project Report for education units around Selaiyur Lake, Selaiyur — with a documented, audit-ready process
Business Loan Project Report for education businesses in Selaiyur near St Joseph's College of Engineering by qualified experts with a 15+ year, zero-penalty record. 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.
Fixed fees · Zero hidden charges · Call 9566-068-468 for a custom quote.
Swipe to see all plans
Prices exclude GST. For enterprise pricing, call 9566-068-468.
Expert Business Loan in Selaiyur — qualified professionals, 15+ years experience, zero-penalty track record.
CGTMSE application drafted and routed through the member lending institution per Modification dated 09-03-2023. AGF computed correctly — 0.37% to 1.35% with 10% concession for women, SC/ST and North East / J&K / Hill States.
Mudra Yojana applications across all four tiers — Shishu ≤ ₹50K, Kishore ≤ ₹5L, Tarun ≤ ₹10L, Tarun Plus ≤ ₹20L (Budget 2024). 50% sub-target for women borrowers. Collateral-free for non-corporate non-farm units in Selaiyur.
Stand-Up India 2016 framework leveraged for SC/ST and women entrepreneur greenfield projects. ₹10 lakh-₹1 crore loans, 18-month moratorium, 7-year repayment, CGFSI guarantee. Every SCB branch funds at least one SC/ST and one woman.
Project Report adapted to PSU, private, cooperative and NBFC credit policies; parallel applications yield 3-5 sanctions. Compared on 18 standard terms. Negotiated leverage saves Selaiyur borrowers 50-150 bps over 7-year tenure.
Revenue down 10-15%, variable cost up 5-10%, interest rate up 100-200 bps, capacity utilisation down 10-20%. Worst-case DSCR maintained ≥ 1.20. BEP at full repayment year held below 60% of installed capacity.
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 Business Loan Project Report engagement delivers measurable, guaranteed outcomes — expert professionals, on time, every time.
Why this matters here — Selaiyur businesses operate where the business activity radiating outward from St Joseph's College of Engineering and nearby commercial pockets, and with quick access via Selaiyur Bus Stop and feeder routes connecting Selaiyur to the rest of Chennai.
Share documents via WhatsApp to 9566-068-468. No office visit required for Selaiyur clients.
Miss any of these and the next consequence kicks in automatically.
Deadlines in this neighbourhood — Selaiyur businesses operate where the cluster of education, residential, healthcare businesses that defines Selaiyur's commercial fabric.
Deadline pressure points we see in Selaiyur: Where Selaiyur differs: for the professional and salaried population of Selaiyur navigating personal-tax and home-office GST.
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.
Approvals, acknowledgements and queries for Selaiyur businesses tie back to the Tambaram Division, so our Business Loan cadence accounts for how that office works. Businesses registered in Selaiyur share the Chennai South jurisdiction, and their statutory matters route through the same Tambaram Division each time. Because PIN 600073 sits inside the Chennai South jurisdiction, the handling office for Selaiyur stays consistent across years, which matters when filings or approvals span cycles. Selaiyur is a south Chennai residential and education pocket anchored by St Joseph's College of Engineering and the Tambaram Cantonment.
Working in Selaiyur brings a logistical edge: proximity to St Joseph's College of Engineering and the Selaiyur Bus Stop corridor keeps physical document handling fast. Vendors and customers tied to the Selaiyur Bus Stop network show up across the invoice trail we reconcile for Selaiyur Business Loan Project Report clients. Commercial activity in Selaiyur runs medium, so Business Loan volumes scale through peak months and we staff the Selaiyur desk accordingly. Selaiyur sustains a medium flow of commerce for a residential education pocket locality, and that flow is the raw material for the Business Loan files we close here.
We have closed enough Business Loan Project Report files for residential firms near Selaiyur to know where the department usually probes. For a residential business in Selaiyur, the Business Loan Project Report scope is rarely generic; we tailor the checklist to how that sector actually transacts. The residential character of Selaiyur commerce influences everything from invoice formats to the supporting documents a Business Loan Project Report review needs. A residential operator in Selaiyur gets a Business Loan workflow shaped by sector norms, not a one-size-fits-all template.
Fixed-fee scoping means a Selaiyur business knows the Business Loan Project Report cost up front, with no surprise additions mid-engagement. The qualified-review step on every Selaiyur Business Loan file is where errors get caught before they reach the portal. Document intake for Selaiyur clients runs over WhatsApp, so there is no office visit and no paper shuffle for a Business Loan Project Report engagement. Our Selaiyur Business Loan process is built to be predictable, documented, and on time, cycle after cycle.
From the same Selaiyur team we also serve Tambaram and other nearby localities without re-onboarding clients. Business Loan Project Report clients in Tambaram are handled by the same practitioners who run our Selaiyur desk. Proximity to Tambaram means a Selaiyur engagement can extend across the locality cluster with no change in cadence. We treat Selaiyur and Tambaram as one catchment for Business Loan Project Report, which keeps documentation and turnaround consistent.
Patterns we track for Selaiyur include healthcare documentation gaps, timing mismatches, and the questions the Tambaram Division tends to raise. The longer we serve Selaiyur, the more precisely we predict where a Business Loan file needs attention. Common patterns in the Tambaram Division give Selaiyur businesses an early-warning map we use to pre-empt Business Loan issues. Recurring gaps in Selaiyur healthcare records are the first thing our Business Loan Project Report review closes out.
Shifting principal place of business to Selaiyur means updating jurisdiction to the Chennai South, and we manage the paperwork end-to-end. New residential ventures in Selaiyur lean on us to stand up Business Loan Project Report correctly before the first deadline rather than after a notice. Incorporating in Selaiyur comes with jurisdiction, registration and Business Loan steps that we sequence so nothing stalls the launch. Relocating a registered office into Selaiyur (PIN 600073) changes the assessing division, and we handle that Business Loan Project Report transition cleanly.
Bank-format Project Report and CMA Data prepared in Selaiyur 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 Selaiyur 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 Selaiyur businesses.
Parallel application filing across scheduled commercial banks, cooperative banks, RRBs and NBFCs in Selaiyur; sanction letter comparison on rate of interest, tenure, processing fee, prepayment, collateral and CGTMSE coverage to achieve 50-150 bps cost saving.
A Techno-Economic Viability (TEV) study is an independent assessment of the borrower's technical and financial viability post-restructuring. It is mandatory under both the Prudential Framework and MSME OTR-2 for exposures above prescribed thresholds and supports the standard-asset-classification retention by demonstrating viable going-concern projections.
A CMA Data Project Report includes operating-statement projections, balance-sheet projections, fund-flow statement, MPBF computation per Tandon-Chore Methods I and II, ratio analysis with DSCR/current ratio/debt-equity, working-capital gap analysis, and break-even point, prepared per RBI Master Direction for MSME loan appraisal.
RBI Master Direction on MSME Sector benchmarks DSCR at minimum 1.5x annually and 1.25x average tenure-wise for term-loan exposures. DSCR below 1.5 signals repayment-capacity risk and forces the lender to demand additional collateral, equity infusion, or higher pricing under credit policy.
Term Loan appraisal requires a Detailed Project Report focused on capital-asset creation and DSCR-driven repayment matching. Working Capital appraisal uses CMA Data under the Tandon-Chore methodology for MPBF computation against operating cycle and current-asset financing, with current-ratio benchmark of 1.33.
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.
What Selaiyur clients want to know before signing: Where Selaiyur differs: in the residential education pocket micro-market of Selaiyur.
Reading this guide locally — Selaiyur businesses operate where around the St Joseph's College of Engineering catchment of Selaiyur.
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.
The PSB Loans in 59 Minutes platform was launched on 25-09-2018 by the Government of India through a special purpose vehicle established by SIDBI in partnership with five public-sector banks. The platform provides in-principle approval for MSE business loans up to ₹5 crore within 59 minutes of application submission, subject to satisfying credit-bureau, GST, ITR and bank-statement-driven algorithmic criteria. The platform integrates with the borrower's PAN-linked databases (CIBIL or Equifax credit bureau, GSTN, Income Tax e-filing portal, Aadhaar database and the borrower's bank-statement upload), extracts the requisite data through secured API calls, applies an algorithmic credit-scoring model, and produces a Letter of In-Principle Approval issued by one of the participating banks. The borrower then approaches the issuing bank for final sanction and disbursement, which typically occurs within 7 to 8 working days.
Eligibility for the PSB Loans in 59 Minutes platform is structured by borrower profile. The applicant must be a GST-registered MSE with at least six months of GST-return-filing history, a minimum annual turnover threshold (typically ₹10 lakh, varying by participating bank), a credit-bureau score above the platform's threshold (typically CIBIL 700 or equivalent), and a bank-statement showing operating cash flow consistent with the loan amount sought. The documentation required at the application stage is minimal: PAN, Aadhaar of the proprietor or authorised signatory, GST-return credentials for API-pull, six-month bank-statement upload, ITR for the past two financial years, and the Udyam Registration Certificate. The platform produces the in-principle approval based on this documentation; final sanction at the participating-bank level requires supplementary documentation including the project report, CMA package and security documentation as the case may be.
The PSB Loans in 59 Minutes platform is optimally fit for established MSE borrowers with a clean credit history, consistent GST-filing record and stable operating cash flow, seeking limits up to ₹5 crore for standard working-capital or business-loan purposes. The platform is less optimal for new-entrepreneur, loss-making or stressed-borrower profiles whose data-trail does not satisfy the algorithmic-screening thresholds, and these profiles are better routed through traditional CMA-driven appraisal where the credit-officer's judgement supplements the data-driven assessment. The platform is also less optimal for specialised purpose loans (CGTMSE-covered, sub-scheme-driven, export-credit-specific) where the platform's standardised template does not capture the specialised structuring required. Borrowers should select the credit-platform-route accordingly, with the platform serving as a useful first-line option but not the universal solution.
Several State Governments operate interest-subvention schemes layered on top of the central-government PSL framework, providing additional concessional pricing for Udyam-registered MSE borrowers operating in the respective state. The schemes vary in design but typically provide one to three percentage-points subvention on the lender's term-loan rate, with the subvention amount reimbursed by the State Government to the lender, capped at a per-unit subvention amount (typically ₹5 lakh to ₹25 lakh per unit per year) and a maximum tenor (typically five to seven years). The schemes are administered through District Industries Centres or State MSME Departments, with the Udyam Registration Number as the qualifying credential and the project-feasibility report as the substantive application document. Tamil Nadu's IEDB-administered Capital and Interest Subsidy Scheme is a representative example, with sectoral focus on textiles, electronics and food processing.
A well-structured MSE financing arrangement can stack multiple concessions to materially reduce the borrower's all-in cost. A typical stack for an export-oriented MSE manufacturing borrower may comprise: (a) the base PSL-pricing benefit of approximately 50 to 100 basis points compression relative to corporate pricing, (b) the Interest Equalisation Scheme subvention of 2 to 3 per cent on export-credit instruments, (c) the state-level interest subvention of 1 to 3 per cent on the term-loan portion, and (d) the CGTMSE collateral-free benefit of preserving owned-collateral for other purposes. The combined effect can reduce the borrower's effective cost of credit by 300 to 500 basis points relative to a non-stacked equivalent. The stacking requires explicit documentation in the project report and CMA Form-I, with each concession's qualifying credential separately preserved and the lender's credit-officer informed at the application stage rather than discovered post-sanction.
The Reserve Bank of India's Master Direction on Priority Sector Lending (RBI/2017-18/82, last consolidated 2024) requires domestic Scheduled Commercial Banks and Small Finance Banks to deploy forty per cent of their adjusted net bank credit to priority sectors. Within the overall forty per cent target, the framework specifies sub-targets including 7.5 per cent specifically to Micro enterprises, 18 per cent to agriculture, 10 per cent to weaker sections and others. Lending to all Udyam-registered MSE enterprises qualifies as priority-sector lending automatically, eliminating the previous documentation burden under the legacy SSI-classification regime. The PSL classification matters commercially because lenders short of the sub-target compete for compliant assets, producing concessional pricing for MSE borrowers in the form of MCLR-spread compression of approximately 50 to 100 basis points relative to non-PSL corporate borrowers.
The project report's executive summary is the lender's entry-point and must communicate the proposition crisply in one to two pages. The summary captures the borrower's identity and constitution, the project description and rationale, the project cost and means of financing, the projected revenue and profitability, key financial ratios and their compliance with the lender's covenant thresholds, the security structure (primary, collateral and CGTMSE cover where applicable), the loan tenor and repayment schedule, and the requested sanction date. The summary is best drafted after the rest of the report is final to ensure full consistency with the downstream sections. A poorly-constructed executive summary is the single most common cause of proposal-rejection at the lender's preliminary-screening stage, before the credit-officer has even reached the detailed-appraisal section.
The promoter-background section captures the entrepreneurs' identity, qualifications, professional experience, prior business track record, current shareholding pattern, and personal-net-worth statement. The section is the lender's principal source of comfort on the human-capital dimension of the proposition, and a substantive promoter-track-record materially improves the appraisal outcome. The section should include the promoters' CVs, copies of educational qualifications, list of current and past directorships (especially any with NPA or insolvency taint that the lender will discover through bureau-search anyway), personal-CIBIL score, and the promoter-net-worth statement supported by the latest ITR. For a partnership or LLP borrower, all partners' or designated partners' particulars should be captured. For a company borrower, the directors' and key managerial personnel's particulars should be captured with the same depth.
The market-analysis section captures the size of the relevant product or service market (typically with a five-year horizon), the borrower's current and projected market share, the competitive landscape with named competitors and their respective market positions, the borrower's competitive advantages and the basis for the projected market share, and the macroeconomic and regulatory factors influencing the market. The section should be supported by independent market-research data (industry-association reports, government statistical publications, third-party research) rather than self-generated estimates, since the lender's credit-officer will independently verify the headline figures through standard market-research sources. The section is the lender's principal source of comfort on the demand-side viability of the proposition, and a thinly-supported market analysis is a yellow-flag.
What Selaiyur clients usually ask next: Where Selaiyur differs: for the professional and salaried population of Selaiyur navigating personal-tax and home-office GST.
Section 180(1)(c) of the Companies Act 2013 requires a special resolution of the members where the borrowing (excluding temporary loans from bankers in the ordinary course) exceeds the aggregate of paid-up capital, free reserves, and securities premium. Resolution must be filed in MGT-14 within 30 days.
Sensitivity analysis of CMA projection under adverse scenarios — typically revenue down 15%, interest up 100 bps, raw material up 10%. Bankers expect DSCR to remain above 1.2 under stress and current ratio above 1.17. Honest stress test is more credible than optimistic single-scenario projection.
Early Mortality 1 — internal banker flag for accounts showing first signs of stress within 12 months of sanction. Triggers enhanced monitoring, stock-audit, and may lead to limit reduction or recall. Typically activated on stock-statement variance, DP shortfall, or repeated cheque returns.
QOS — quarterly statement filed by the borrower to the bank capturing sales, purchases, debtors, creditors, inventory and bank account turnover. Mandatory for accounts with limits above ₹1 crore. Variance from CMA projection beyond 15% requires explanation.
Credit Monitoring Arrangement Data — a standardised format prescribed by RBI for assessment of working capital and term loan proposals by banks. Comprises six statements covering existing and projected balance sheets, profit and loss, fund flow, ratio analysis, and assessment of working capital. Mandatory for credit limits above ₹2 crore in most banks.
Debt Service Coverage Ratio — computed as (Net Profit + Depreciation + Interest on Term Loan) divided by (Interest on Term Loan + Principal Repayment). Bankers target a minimum of 1.5 for sanction. Average DSCR over loan tenure is the key acceptance metric.
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.
How the local trade mix shapes this — Selaiyur businesses operate where the business activity radiating outward from St Joseph's College of Engineering and nearby commercial pockets.
Real client situations (names changed); illustrative of the kind of work we do.
Why these Selaiyur engagements look the way they do: Where Selaiyur differs: the business activity radiating outward from St Joseph's College of Engineering and nearby commercial pockets. We see for the professional and salaried population of Selaiyur navigating personal-tax and home-office GST.
“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 Selaiyur 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 Selaiyur clients. Call 9566-068-468 for specific queries.
Across Selaiyur we look after firms on Sundaram Smart city phase 1, 1st Street, 2nd Cross Street, Camp Salai and Velachery Mudhanmai Salai as well as the Chitlapakkam Main Road, IAF Road, Kamaraj Street and Madambakkam Road corridors — local Business Loan without the cross-city travel.
Professional Business Loan Project Report in Selaiyur, 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.