What Happens If You Miss the ITR Filing Deadline — Penalty & Late Fee Explained

Missing the ITR filing deadline does not mean you have lost the opportunity to file; however, you will suffer for the delay in more ways than one. The due date for FY 2025-26 (AY 2026-27) is July 31...

Business Loan Documents Checklist — Get Ready Before Bank Loan Season

A thorough business loan documentation checklist is what distinguishes a quick loan approval from weeks of back-and-forth with the bank. Every year, loan season generates a flood of applications, and...

What Is NHB? Schemes, Eligibility, Benefits & Application Process

The National Housing Bank (NHB) plays an important role in strengthening housing finance in India, particularly affordable and low-cost housing. It supports banks, Housing Finance Companies and other...

Agriculture Infrastructure Fund (AIF): Eligibility, Benefits & Application Process

The Government of India’s Agriculture Infrastructure Fund (AIF) is a funding programme that assists qualified farmers, agri-entrepreneurs, FPOs, cooperatives, and other recipients in building...

NABARD Loan Schemes: Eligibility, Benefits & How to Apply

NABARD-linked loan schemes help farmers, rural entrepreneurs, agriculture-based businesses and eligible rural enterprises access institutional finance for agriculture and rural development activities...

What Is CGTMSE? Eligibility, Benefits & Loan Process

CGTMSE is a government-backed credit guarantee scheme that helps eligible Micro and Small Enterprises access business finance with reduced dependence on collateral security. It supports funding for...

Who Can Prepare a Project Report for a Bank Loan?

A project report can be written by anybody, in theory. Nothing prevents a business owner from typing their figures into a paper. However, whether the bank accepts it is solely dependent on who...

Why is a DPR Preferred for a Bank Loan?

You are already familiar with the procedure if you have ever sat across from a bank’s credit officer while holding a loan file. “Where’s your project report?” they ask at some...

How to Prepare a Project Report Easily for a New Business Loan

Starting a new business is exciting, but before any bank or NBFC hands you a loan, they will ask for one document above all else: a project report. At Sharda Associates, we make this process...