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. | Identity & Address KYC | Requirement |
|---|---|---|---|
| 1 | PAN Card | Mandatory | |
| 2 | Aadhaar Card | Mandatory | |
| 3 | Passport-size photographs | Mandatory | |
| 4 | Residence address proof (Utility Bill / Rent Agreement) | Mandatory | |
| 5 | Additional Photo ID (Passport / Voter ID / Driving Licence) | If Applicable | |
| B | Sr. No. | Constitution & Business Existence | Requirement |
| 1 | Business address proof | Mandatory | |
| 2 | Shop & Establishment / Gumasta / Trade Licence | Mandatory | |
| 3 | GST Registration Certificate (GSTIN) | If Applicable | |
| 4 | Udyam / MSME Registration | If Applicable |
| A | Sr. No. | Income & Financial Documents | Requirement |
|---|---|---|---|
| 1 | ITR + Computation – Last 3 Years | Mandatory | |
| 2 | Audited Financials (Balance Sheet, Profit & Loss, Schedules) – Last 3 Years | If Applicable | |
| 3 | Tax Audit Report (Form 3CA/3CB-3CD) – Last 3 Years | If Applicable | |
| 4 | Provisional / Current-Year Financials (Signed) | If Applicable | |
| 5 | 26AS / AIS – Last 2–3 Years | Mandatory | |
| 6 | GST Returns (GSTR-3B) – Last 12 Months | If Applicable | |
| B | Sr. No. | Banking | Requirement |
| 1 | Individual Savings Account Statement – Last 6–12 Months | Mandatory | |
| 2 | Business Current / CC / OD Account Statement – Last 12 Months | Mandatory |
| A | Sr. No. | Property / Collateral | Requirement |
|---|---|---|---|
| 1 | Sale Agreement / Sale Deed / Chain of Title | If Applicable | |
| 2 | Registered Title Chain + Title / Search Certificate | If Applicable | |
| 3 | Approved / Sanctioned Building Plan | If Applicable | |
| 4 | Occupancy / Completion Certificate (OC/CC) | If Applicable | |
| 5 | Latest Property Tax Receipt / Bill | If Applicable | |
| 6 | Society Registration + Share Certificate / NOC | If Applicable | |
| 7 | Valuation Report (Bank-Empanelled Valuer) | If Applicable | |
| 8 | Encumbrance Certificate / Search Report | If Applicable | |
| B | Sr. No. | Existing Obligations | Requirement |
| 1 | Sanction Letters of All Running Loans | If Applicable | |
| 2 | Loan Statements + EMI Track – Last 12 Months | If Applicable | |
| 3 | Foreclosure / LOD Letter (Balance Transfer / Takeover) | If Applicable | |
| C | Sr. No. | Application & Fees | Requirement |
| 1 | Duly Filled & Signed Loan Application Form | Mandatory | |
| 2 | Processing / Login Fee Payment Proof | Mandatory | |
| 3 | PDCs / NACH-ECS Mandate | Mandatory |
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.
