Project Setup & Business Consultancy in Mohali
From industry setup, DPR preparation, and bank finance to government subsidies and regulatory clearances — CA Ankush Garg is your complete project setup consultant in Mohali.
Setting up a manufacturing plant, industrial unit, hospitality project, or new business venture is a complex, multi-step process. It involves choosing the right legal structure, obtaining regulatory approvals, arranging bank finance through a compelling project report, and applying for government subsidies — all while navigating Punjab’s state-level investment policies.
CA Ankush Garg provides end-to-end project setup and business consultancy services in Mohali — guiding entrepreneurs and investors from the initial concept stage through legal registration, financial structuring, bank loan sanction, and operational compliance. We have successfully prepared DPRs and managed project setups for manufacturing, food processing, hospitality, and technology businesses across Punjab and Himachal Pradesh.
Project Setup Services
1. Detailed Project Report (DPR) preparation
A Detailed Project Report is the cornerstone of any bank finance application or government subsidy claim. It must be comprehensive, credible, and formatted to meet the bank’s specific appraisal requirements. A poorly prepared DPR is the most common reason for loan rejection.
We prepare DPRs that cover:
- Executive summary - project overview, investment cost, and key financial highlights
- Promoter profile - background, qualifications, net worth, and track record
- Business concept - product/service description, market opportunity, competitive positioning
- Market analysis - demand assessment, target customer segments, pricing strategy
- Technical feasibility - plant layout, machinery details, raw material sourcing, installed capacity
- Project cost - land, building, plant & machinery, pre-operative expenses, working capital
- Means of finance - debt-equity structure, proposed bank loan, promoter contribution
- Financial projections - P&L, balance sheet, and cash flow for 5–7 years
- DSCR computation - Debt Service Coverage Ratio — critical metric for bank sanction
- Break-even analysis - break-even volume, break-even revenue, margin of safety
- Sensitivity analysis - how the project performs under adverse assumptions
- Risk assessment - identified risks and mitigation strategies
2. CMA data preparation
CMA (Credit Monitoring Arrangement) data is required by all banks for working capital loan assessments. It presents your historical financial performance alongside projected financials in the bank’s standard format. We prepare CMA data for new projects and existing businesses seeking enhanced credit limits.
3. Project finance structuring
We advise on the optimal debt-equity structure for your project — ensuring the loan repayment schedule is manageable, the DSCR is within bank acceptance thresholds, and the equity contribution is optimized. We also identify the most suitable bank and loan product for your specific project.
4. Bank liaison and loan processing
We prepare your complete loan application file and coordinate with bank officials throughout the appraisal process — attending bank meetings, responding to queries, and providing additional documentation as required. Our familiarity with bank appraisal processes significantly improves sanction chances and reduces processing time.
Government Subsidy & Incentive Applications
1. PBIP — Punjab Bureau of Investment Promotion
Punjab offers some of the most attractive investment incentives in North India through the Punjab Bureau of Investment Promotion. For eligible manufacturing and industrial units, PBIP provides:
- Capital subsidy on plant & machinery - up to 25% for eligible units in priority sectors
- Power tariff subsidy - for new industrial units established in Punjab
- Stamp duty exemption - on land purchase for industrial projects
- Interest subsidy on bank loans - for new manufacturing units
- Employment generation incentives - for units creating significant employment in Punjab
We identify applicable PBIP schemes, assess eligibility, prepare the application with all required documentation, and track the case until approval and disbursement.
2. PMEGP — PM Employment Generation Programme
The Prime Minister’s Employment Generation Programme provides government subsidies of 15–35% on project cost (up to Rs. 50 lakh for manufacturing and Rs. 20 lakh for services) for new micro enterprises. Applications are processed through DIC Mohali and KVIC. We prepare and submit complete PMEGP applications.
Trademark Registration Process
- CLCSS - 15% capital subsidy on technology upgradation (up to Rs. 15 lakh)
- CGTMSE - collateral-free loans up to Rs. 5 crore for MSME-registered units
- ZED certification - quality and sustainability certification with subsidy support
- ODOP (One District One Product) - priority support for products identified under ODOP scheme for Mohali/SAS Nagar
4. Startup India seed fund (SISFS)
DPIIT-recognized startups can apply for government grants up to Rs. 20 lakh for proof of concept and Rs. 50 lakh for prototype development under the Startup India Seed Fund Scheme. We prepare the complete application and business case.
5. Agriculture & food processing subsidies
For food processing units, we identify and apply for PMFME (PM Formalisation of Micro Food Processing Enterprises) grants, MOFPI (Ministry of Food Processing Industries) subsidies, and cold chain infrastructure support — relevant for Mohali’s growing food manufacturing sector.
Regulatory Approvals & Clearances
Every new industrial or business project requires various regulatory approvals before commencing operations. We manage the complete clearance process:
- Factory licence - under the Factories Act for manufacturing units with 10+ workers
- NOC from Punjab Pollution Control Board - for units with environmental impact
- Fire NOC - from Punjab Fire Services for applicable premises
- Punjab Land Use Permission - CLU (Change of Land Use) for commercial and industrial development
- Drug licence - for pharmaceutical and nutraceutical manufacturing
- FSSAI Central licence - for food processing units above Rs. 20 crore turnover or exporters
- IEC (Import Export Code) - for projects involving import of machinery or export of products
- ESI and PF registration - labour compliance registration before hiring
Industries We Have Handled Projects For
- 1. Manufacturing – Copper wire & cables, plastic products, garments, engineering goods, nutraceuticals
- 2. Food processing – Packaged food, spices, dairy, FSSAI-regulated manufacturing units
- 3. Hospitality – Hotels, resorts, and restaurant projects in Himachal Pradesh and Punjab
- 4. Technology - IT companies, SaaS startups, digital services businesses
- 5. Trading - Import-export companies, wholesale trading ventures
- 6. Real estate - Residential development, commercial complexes, co-working spaces
Our Project Setup Process
- Initial consultation - understand your project, investment capacity, and objectives
- Feasibility assessment - preliminary check on viability, regulatory requirements, and funding options
- Structure decision - legal entity, location, ownership pattern, and tax optimization
- DPR preparation - complete project report tailored to your bank and project type
- Registrations - company, GST, MSME, factory, and all required licences
- Subsidy applications - PBIP, PMEGP, MSME schemes applied simultaneously
- Bank liaison - appraisal support, query resolution, and sanction facilitation
- Operational setup - accounting system, payroll, GST compliance from day one
Frequently Asked Questions
What is a DPR and how detailed does it need to be?
A Detailed Project Report is a comprehensive document presenting your business plan and financial projections to the bank. For term loans above Rs. 50 lakh, banks typically require a full DPR with 5-year projections, DSCR computation, and technical details. For smaller loans, a simplified project report may suffice. We prepare DPRs calibrated to your loan size and bank’s requirements.
How long does bank loan sanction take after DPR submission?
Timeline varies by bank and loan size — typically 4–12 weeks for sanctions below Rs. 5 crore. We follow up with the bank regularly throughout the appraisal process. Having a well-prepared DPR significantly reduces the back-and-forth and speeds up sanction.
Can I apply for PBIP subsidy and bank loan simultaneously?
Yes — in fact, it is advisable to apply for government subsidies and bank finance simultaneously. PBIP approval does not depend on bank sanction and vice versa. We manage both processes in parallel to save time.
Is there a minimum investment required for PBIP incentives?
PBIP eligibility varies by scheme — some schemes have minimum fixed capital investment thresholds. The Punjab government periodically revises these thresholds. We check current eligibility criteria for your specific project and sector before applying.
Do I need a factory licence before starting manufacturing?
Yes — any factory employing 10 or more workers (or 20 without power) requires a factory licence under the Factories Act before commencing production. Operating without a licence can attract penalties and closure orders. We manage the complete factory licence application.
Can you help with setting up a business in Himachal Pradesh or other states?
Yes — while we are based in Mohali, we have handled DPRs and project setups for hospitality projects in Himachal Pradesh. For other states, we work with local associates for state-specific regulatory filings while managing the financial and company law aspects from Mohali.