Structured Finance
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₹500+ Cr
Loans Disbursed
50+
Banking Partners
500+
Happy Families
25+ Years
of Excellence
Complex Funding Requirements, Handled With Precision.
For corporates, real estate developers, SMEs, and HNI borrowers, Aadhya Financial Consultancy provides structured finance advisory for transactions that require tailored structuring and careful financial planning. We focus on aligning the right financial structure to the nature of the transaction, ensuring clarity, balance, and smooth execution from evaluation to completion.
Structured Finance Eligibility
Structured finance engagements are handled on a case-by-case basis, based on the complexity of the transaction, financial profile, and underlying structure. We work with corporates, developers, SMEs, and individuals with asset-backed or cash-flow-backed requirements, helping identify suitable structuring approaches aligned with their financial objectives.
Age
- Applicants must be between 21–65 years at loan maturity.
- Salaried: 21–58 years
- Self-Employed: 25–65 years
Income
- Salaried Person – Minimum Rs. 10,000 per month
- Self-Employed Person—Minimum Rs. 2,00,000 per year
Employment
- Salaried: 2–3 years experience
- Self-Employed: 3+ years experience
Structured Finance Types
Project & Development Funding
Financing solutions for long-term projects such as real estate development, infrastructure, and capital expansion. Structured based on project viability, cash flow projections, asset strength, and execution capability to ensure alignment with the transaction structure.
Bridge & Acquisition Finance
Short- to medium-term financial solutions designed to support acquisitions, refinancing needs, or temporary funding gaps. Structured to align with the borrower’s transition plan and expected long-term financial arrangement.
Business Restructuring Finance
Financial structuring solutions for businesses looking to optimise existing obligations, improve liquidity positioning, or streamline their capital structure. Focused on improving financial efficiency and operational stability
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✔ | ✔ | |
| 2 | Driving license which has not expired. | ✔ | ✔ | |
| 3 | Election /Voters identification card | ✔ | ||
| 4 | Job card issued by NREGA | ✔ | ||
| 5 | Letter issued by the National Population Register | |||
| 6 | Proof of possession of Aadhaar Number | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months’ Salary Slips | |||
| Last 6 months’ Bank Statements, showing salary credits | |||
| Latest Form-16 and IT returns | |||
| Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA) | |||
| At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | |||
| Last 12 months’ Current A/c Statements of the business entity and Savings Account Statements of the individual |
For Purchase of a New Home
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Copy of the Allotment Letter / Buyer Agreement | |||
| Receipt/(s) of payment/(s) made to the developer |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | |||
| Employment Contract / Appointment Letter in case current employment is less than year old | |||
| Last 6 months’ Bank Statements showing repayment of any ongoing loans | |||
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | |||
| Cheque for processing fee favouring HDFC Bank | |||
| Business Profile | |||
| Latest Form 26 AS | |||
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | |||
| Memorandum and Articles of Association of the Company | |||
| Partnership deed in case of the business entity being a partnership firm | |||
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. | ✔ | ✔ |
Documents for Structured Finance Application
Structured finance documentation typically includes audited financial statements, ITR, business plans or project reports, details of underlying assets or cash flows, and relevant legal and ownership documents. Requirements are evaluated individually based on transaction structure. Aadhya Financial Consultancy provides complete advisory support in identifying and preparing the required documentation.
Structured Finance Calculator
Due to the customised nature of structured finance, standard calculations serve only as indicative guidance. Our team works closely with clients to assess transaction structure, security profile, and repayment expectations to provide a clear understanding of potential financial arrangements through our network of lending partners.
Complex Financial Structures Require the Right Advisory Partner.
Share your requirement with Aadhya Financial Consultancy. We will evaluate your profile, provide an honest assessment, and guide you toward the most suitable structured finance approach with complete clarity and support.
