Financial Services

GST Return Filing Services in Delhi Ensure seamless compliance with accurate and timely GST filings. Avoid penalties and focus on growing your business. File GST Now LEARN MORE What is GST Return Filing? GST Return Filing is a mandatory compliance process for businesses registered under the Goods and Services Tax (GST) regime in India. It involves submitting details of your sales, purchases, input tax credit (ITC), and output tax liability to the government periodically. Accurate and timely filing is essential to maintain a good compliance score, avoid heavy penalties, and ensure seamless business operations. Taxcrafted Solutions helps you manage your monthly, quarterly, and annual GST returns effortlessly. Our Services GST Registration GSTR-1 (Sales) Filing GSTR-3B (Summary) Filing GSTR-9 (Annual Return) GST Reconciliation Why Choose Us? Expert Tax Consultants Error-Free Filing Maximize Input Tax Credit Timely Compliance Reminders Notice Handling Support Importance of GST Compliance Key benefits of timely return filing. Legal Requirement Mandatory for all GST-registered businesses to file returns, even if there are no transactions (Nil Return). Input Tax Credit Timely filing ensures you and your buyers can claim eligible Input Tax Credit (ITC) without issues. Avoid Penalties Late filing attracts late fees and interest, which can accumulate quickly. Stay compliant to save money. Simplify Your GST Compliance Let our experts handle your monthly and annual filings while you focus on business growth. Get Expert Advice Frequently Asked Questions Common queries about Pvt Ltd Registration. Which GST returns do I need to file regularly? Most regular taxpayers need to file GSTR-1 (details of sales) and GSTR-3B (summary of sales, purchase, and tax payment). The frequency can be monthly or quarterly (QRMP scheme) depending on your turnover. What is the due date for GSTR-1 and GSTR-3B? For monthly filers, GSTR-1 is due by the 11th and GSTR-3B by the 20th of the following month. For quarterly filers (QRMP), the dates are the 13th and 22nd/24th of the month following the quarter. Is it mandatory to file a return if there are no sales or purchases? Yes, filing a Nil Return is mandatory even if you have had zero business activity in a month. Failure to file attracts a late fee, which accumulates daily until the return is filed. What is GSTR-9 and when is it filed? GSTR-9 is the Annual Return that consolidates all monthly/quarterly returns filed during the financial year. It is mandatory for businesses with a turnover exceeding ₹2 Crores and is typically due by 31st December of the next financial year. Can I revise a GST return after filing? No, unlike Income Tax Returns, a filed GST return cannot be revised. Any errors or omissions must be corrected in the subsequent month’s return (GSTR-1 or GSTR-3B). Most regular taxpayers need to file GSTR-1 (details of sales) and GSTR-3B (summary of sales, purchase, and tax payment). The frequency can be monthly or quarterly (QRMP scheme) depending on your turnover. For monthly filers, GSTR-1 is due by the 11th and GSTR-3B by the 20th of the following month. For quarterly filers (QRMP), the dates are the 13th and 22nd/24th of the month following the quarter. Yes, filing a Nil Return is mandatory even if you have had zero business activity in a month. Failure to file attracts a late fee, which accumulates daily until the return is filed. GSTR-9 is the Annual Return that consolidates all monthly/quarterly returns filed during the financial year. It is mandatory for businesses with a turnover exceeding ₹2 Crores and is typically due by 31st December of the next financial year. No, unlike Income Tax Returns, a filed GST return cannot be revised. Any errors or omissions must be corrected in the subsequent month’s return (GSTR-1 or GSTR-3B).

Income Tax Return Services in Delhi Stay compliant, maximize your refunds, and avoid penalties. Expert ITR filing for individuals and businesses. FILE ITR NOW LEARN MORE Why is Income Tax Return Filing Important? Filing an Income Tax Return (ITR) is a crucial responsibility for individuals and businesses to comply with the law and maintain financial transparency. It serves as a proof of income, essential for visa applications and loan approvals. Taxcrafted Solutions provides expert income tax return services in Delhi, ensuring a seamless process. Whether you are a salaried individual, a freelancer, or a business owner, we help you maximize deductions and minimize liabilities while staying 100% compliant. Our Services Tax Consultation & Planning Accurate ITR Filing Assistance with Tax Notices Capital Gains Calculation Refund Claim Processing Key Benefits? Claim Tax Refunds Easy Loan Approval Avoid Penalties & Notices Carry Forward Losses Valid Income Proof ITR Forms & Requirements Know which form applies to you and what documents are needed. ITR Forms ITR-1 (Sahaj): Salaried Individuals ITR-2: Capital Gains/Foreign Income ITR-3: Business/Profession Income ITR-4 (Sugam): Presumptive Income ITR-5/6/7: Firms, Companies, Trusts Documents Required PAN & Aadhaar Card Form 16 / 16A Bank Statements Investment Proofs (LIC, PPF) Home Loan Certificates Who Should File? Income > Basic Exemption Limit To Claim Refunds Applying for Loans/Visa Owning Foreign Assets High Value Transactions File Your Taxes Stress-Free Let our experts handle the calculations and compliance while you enjoy peace of mind. Get Expert Advice Frequently Asked Questions Common queries about Income Tax Return Filing. Is it mandatory to file ITR if my income is below ₹2.5 Lakhs? Generally, no. However, if you want to claim a TDS refund, apply for a loan, or carry forward losses, filing a “Nil Return” is highly recommended. It also serves as a valid proof of income. What is the difference between Old and New Tax Regimes? The Old Regime allows deductions like 80C (LIC, PPF), 80D (Health Insurance), and HRA, but has higher tax rates. The New Regime offers lower tax rates but does not allow most deductions. You can choose the one that benefits you more. What happens if I miss the ITR filing deadline? If you miss the deadline (usually 31st July), you can file a Belated Return by 31st December, but it attracts a penalty of up to ₹5,000 u/s 234F. You also lose the ability to carry forward certain losses. Which ITR form should I choose? ITR-1: Salaried individuals with income up to ₹50 Lakhs. ITR-2: Individuals with Capital Gains or more than one house property. ITR-3: Individuals having business or professional income. ITR-4: Small businesses opting for presumptive taxation. How can I verify my ITR after filing? Verification is mandatory within 30 days of filing. You can verify electronically using Aadhaar OTP, Net Banking, or Bank Account EVC. Alternatively, you can send a signed physical copy of ITR-V to CPC, Bengaluru. Generally, no. However, if you want to claim a TDS refund, apply for a loan, or carry forward losses, filing a “Nil Return” is highly recommended. It also serves as a valid proof of income. The Old Regime allows deductions like 80C (LIC, PPF), 80D (Health Insurance), and HRA, but has higher tax rates. The New Regime offers lower tax rates but does not allow most deductions. You can choose the one that benefits you more. If you miss the deadline (usually 31st July), you can file a Belated Return by 31st December, but it attracts a penalty of up to ₹5,000 u/s 234F. You also lose the ability to carry forward certain losses. ITR-1: Salaried individuals with income up to ₹50 Lakhs. ITR-2: Individuals with Capital Gains or more than one house property. ITR-3: Individuals having business or professional income. ITR-4: Small businesses opting for presumptive taxation. Verification is mandatory within 30 days of filing. You can verify electronically using Aadhaar OTP, Net Banking, or Bank Account EVC. Alternatively, you can send a signed physical copy of ITR-V to CPC, Bengaluru.

TDS Return Filing Services in Delhi Accurate, timely, and compliant. We handle your TDS compliance so you can focus on your business. FILE TDS NOW LEARN MORE What is TDS Return Filing? Tax Deducted at Source (TDS) is a mechanism where tax is collected at the source of income generation. Filing accurate and timely TDS returns is mandatory for individuals and businesses who deduct tax while making payments to vendors, employees, or contractors. Filing TDS returns involves submitting a quarterly statement to the Income Tax Department, detailing the tax deducted, deposited, PAN of the deductee, and other payment particulars. It ensures transparency and allows deductees to claim tax credits. Our Services Threshold Analysis & Rate Guidance Salary TDS (Form 24Q) Non-Salary TDS (Form 26Q) NRI Payments (Form 27Q) TCS Returns (Form 27EQ) Key Benefits? Correction of Filed Returns Challan Correction PAN Correction Form 16/16A Generation Reconciliation with 26AS Why is TDS Filing Important? Stay compliant and avoid unnecessary costs. Statutory Compliance Mandatory under the Income Tax Act for all entities holding a TAN number. Avoid Penalties Late filing attracts a fee of ₹200 per day under section 234E and other penalties. Claim Tax Credits Enables deductees (employees/vendors) to see tax credits in their Form 26AS and claim refunds. Simplify Your TDS Compliance Let our experts handle your quarterly filings accurately and on time. Get Expert Advice Frequently Asked Questions Common queries about TDS Return Filing. What are the due dates for filing quarterly TDS returns? Form 24Q is used for TDS deducted on Salary payments. Form 26Q is used for TDS on all other payments like interest, professional fees, rent, and contractors. What is the difference between Form 24Q and Form 26Q? Under Section 234E, a late fee of ₹200 per day is levied for every day of delay until the return is filed. The total fee cannot exceed the total TDS amount deducted. What is the penalty for late filing of TDS returns? Yes, it is mandatory to issue Form 16 (for salary) annually and Form 16A (for non-salary) quarterly to the deductees within 15 days from the due date of filing the return. Do I need to issue TDS certificates to deductees? Yes, it is mandatory to issue Form 16 (for salary) annually and Form 16A (for non-salary) quarterly to the deductees within 15 days from the due date of filing the return. Can I revise my TDS return if I made a mistake? Yes, if you have made errors in PAN numbers, challan details, or deduction amounts, you can file a Correction Statement (Revised Return) to rectify the mistakes without paying additional filing fees (though interest/penalties may apply for short deduction). Form 24Q is used for TDS deducted on Salary payments. Form 26Q is used for TDS on all other payments like interest, professional fees, rent, and contractors. Under Section 234E, a late fee of ₹200 per day is levied for every day of delay until the return is filed. The total fee cannot exceed the total TDS amount deducted. Yes, it is mandatory to issue Form 16 (for salary) annually and Form 16A (for non-salary) quarterly to the deductees within 15 days from the due date of filing the return. Yes, it is mandatory to issue Form 16 (for salary) annually and Form 16A (for non-salary) quarterly to the deductees within 15 days from the due date of filing the return. Yes, if you have made errors in PAN numbers, challan details, or deduction amounts, you can file a Correction Statement (Revised Return) to rectify the mistakes without paying additional filing fees (though interest/penalties may apply for short deduction).

EPF Claim Services in Delhi Simplify your Employee Provident Fund withdrawals and transfers. Expert assistance for hassle-free claim settlement. Claim PF Now LEARN MORE What is an EPF Claim? The Employee Provident Fund (EPF) is a retirement savings scheme for employees. An EPF claim allows you to withdraw or transfer the accumulated funds in your PF account. Claiming EPF can be complex due to strict documentation and procedural requirements. Whether you need a full withdrawal upon retirement, a partial withdrawal for emergencies (like medical needs, marriage, or housing), or a transfer when changing jobs, Taxcrafted Solutions ensures your application is processed correctly and quickly. Types of Claims Form 19 (Final Settlement) Form 10C (Pension Withdrawal) Form 31 (Partial Withdrawal/Advance) Form 13 (Transfer of Account) Form 10D (Monthly Pension) Why Choose Us? Error-Free Documentation Fast Processing KYC Update Assistance Grievance Resolution Support for Rejected Claims Seamless Claim Process We handle the complexities so you get your money faster. Documents Required UAN Number & Password Aadhaar & PAN Card Cancelled Cheque/Passbook Bank Details (Linked with UAN) Date of Exit (if applicable) Online Services UAN Activation KYC Seeding (Aadhaar/Bank) Online Claim Submission Passbook Download Claim Status Tracking Special Cases Name Mismatch Correction Claims for Deceased Employees Forgotten UAN Retrieval Employer Non-Cooperation Joint Declaration Forms Claim Your EPF Now! Let our experts handle the hassle. Get Expert Advice Frequently Asked Questions Everything you need to know about EPF Withdrawals. Can I withdraw my EPF balance while working? Yes, you can apply for a partial withdrawal (advance) from your EPF account for specific reasons such as medical emergencies, marriage, education, or home purchase/renovation, using Form 31. Which forms are required for EPF withdrawal? Form 19: For final PF settlement (after leaving the job). Form 10C: For pension withdrawal scheme certificate. Form 31: For partial withdrawal (advance) while in service. How long does it take to settle an EPF claim? Typically, online claims are settled within 7 to 20 days. However, in some cases involving discrepancies or manual verification, it might take longer. We assist in tracking and expediting this process. Why was my EPF claim rejected? Common reasons for rejection include mismatch in Name/DOB between Aadhaar and EPF records, incorrect bank details (IFSC/Account No.), or incomplete KYC. We help identify the error and re-file the claim correctly. Is my EPF withdrawal taxable? If you withdraw EPF after 5 years of continuous service, it is tax-free. If withdrawn before 5 years, TDS may be deducted if the amount exceeds ₹50,000, unless you submit Form 15G/15H. Yes, you can apply for a partial withdrawal (advance) from your EPF account for specific reasons such as medical emergencies, marriage, education, or home purchase/renovation, using Form 31. Form 19: For final PF settlement (after leaving the job). Form 10C: For pension withdrawal scheme certificate. Form 31: For partial withdrawal (advance) while in service. Typically, online claims are settled within 7 to 20 days. However, in some cases involving discrepancies or manual verification, it might take longer. We assist in tracking and expediting this process. Common reasons for rejection include mismatch in Name/DOB between Aadhaar and EPF records, incorrect bank details (IFSC/Account No.), or incomplete KYC. We help identify the error and re-file the claim correctly. If you withdraw EPF after 5 years of continuous service, it is tax-free. If withdrawn before 5 years, TDS may be deducted if the amount exceeds ₹50,000, unless you submit Form 15G/15H.

Corporate Return Services in Delhi Ensure total financial transparency and legal compliance for your company. Expert corporate tax filing services. FILE NOW LEARN MORE What is Corporate Return Filing? Corporate return filing refers to the process of reporting a company’s income, expenses, deductions, and taxes paid to the Income Tax Department of India. It is a mandatory obligation for all companies operating in India, regardless of profit or loss. At Taxcrafted Solutions, we simplify the complexities of corporate tax filing. Our team ensures accuracy, timely submission, and adherence to all legal requirements, helping you avoid penalties and maintain a clean financial record for future growth. Our Services Corporate Income Tax Filing Tax Planning & Advisory Financial Statement Preparation Advance Tax Calculation Audit Representation Why It Matters Legal Compliance Avoid Heavy Penalties Financial Transparency Claim Tax Benefits Enhance Business Credibility End-to-End Support We manage your tax obligations so you can manage your business. Tax Planning Expert guidance on optimizing tax liability through lawful deductions and exemptions. Documentation Assistance with preparing profit and loss accounts, balance sheets, and other necessary reports. Timely Filing We ensure compliance with all deadlines for advance tax and final return submissions. Stay Compliant, Grow Confidently Partner with Delhi’s leading tax consultants for stress-free corporate return filing. Get Expert Advice Frequently Asked Questions Key information about Corporate Tax & Compliance. Is it mandatory for every company to file an Income Tax Return? Yes, every company registered in India (Private Limited, OPC, Limited Company) must file its Income Tax Return (ITR-6) annually, irrespective of whether it has made a profit or a loss, or even if it has no operations. What is the difference between ITR Filing and ROC Filing? ITR Filing reports your income and tax liability to the Income Tax Department. ROC Filing (Forms AOC-4 and MGT-7) reports your financial position and management details to the Ministry of Corporate Affairs (MCA). Both are separate and mandatory annual compliances. What is the due date for Corporate Tax Filing? For companies that require a tax audit (which most do), the due date is usually 31st October of the assessment year. If the company has international transactions (Transfer Pricing), the due date is 30th November. Is a Statutory Audit mandatory for small companies? Yes, under the Companies Act, 2013, every company must get its accounts audited by a Chartered Accountant every year, regardless of its turnover or profit size. This is distinct from a Tax Audit, which applies only if turnover exceeds specific limits (e.g., ₹1 Cr or ₹10 Cr). What documents are required for Corporate Return filing? Key documents include the Bank Statements for the financial year, Sales & Purchase Registers, Expense Vouchers, GST Returns, TDS Certificates, and details of Directors and Shareholders. We will prepare the Balance Sheet and P&L based on these. Yes, every company registered in India (Private Limited, OPC, Limited Company) must file its Income Tax Return (ITR-6) annually, irrespective of whether it has made a profit or a loss, or even if it has no operations. ITR Filing reports your income and tax liability to the Income Tax Department. ROC Filing (Forms AOC-4 and MGT-7) reports your financial position and management details to the Ministry of Corporate Affairs (MCA). Both are separate and mandatory annual compliances. For companies that require a tax audit (which most do), the due date is usually 31st October of the assessment year. If the company has international transactions (Transfer Pricing), the due date is 30th November. Yes, under the Companies Act, 2013, every company must get its accounts audited by a Chartered Accountant every year, regardless of its turnover or profit size. This is distinct from a Tax Audit, which applies only if turnover exceeds specific limits (e.g., ₹1 Cr or ₹10 Cr). Key documents include the Bank Statements for the financial year, Sales & Purchase Registers, Expense Vouchers, GST Returns, TDS Certificates, and details of Directors and Shareholders. We will prepare the Balance Sheet and P&L based on these.

Tax Audit Services in Delhi Ensure statutory compliance and avoid penalties. Professional Tax Audit services under Section 44AB of the Income Tax Act. GET AUDITED LEARN MORE What is a Tax Audit? A Tax Audit is an examination of a taxpayer’s books of accounts and other relevant documents. It is conducted to ensure that the financial statements are accurate and the tax liabilities have been correctly calculated. Under Section 44AB of the Income Tax Act, 1961, certain categories of taxpayers must get their accounts audited by a Chartered Accountant. Taxcrafted Solutions provides meticulous tax audit services, helping businesses identify errors, ensure compliance with tax laws, and file their audit reports (Form 3CA/3CB & 3CD) on time. Audit Services Statutory Tax Audit (44AB) Presumptive Taxation Audit Filing Forms 3CA/3CB & 3CD Internal Control Review Compliance Verification Benefits Avoid Penalties (0.5% of turnover) Accurate Financial Reporting Credibility with Banks/Lenders Detect & Rectify Errors Early Smooth ITR Filing Who Needs a Tax Audit? Mandatory limits for businesses and professionals. Documents Required Cash Book & Bank Book Profit & Loss Account Balance Sheet Purchase/Sale Invoices Previous Year’s ITR Turnover Limits Business: Sales > ₹1 Crore Digital Business: Sales > ₹10 Cr* Professionals: Receipts > ₹50 Lakhs Presumptive Scheme: Income < Deemed Profit Our Process Book Verification Deduction Analysis Report Preparation UDIN Generation Uploading to IT Portal Get Your Accounts Audited Don’t risk penalties. Let our expert CAs handle your tax audit with precision. Get Expert Advice Frequently Asked Questions Key details about Income Tax Audit under Section 44AB. When is a Tax Audit mandatory for a business? A Tax Audit is mandatory if the total sales, turnover, or gross receipts of a business exceed ₹1 Crore in a financial year. However, if cash receipts are less than 5% of total turnover, the limit is increased to ₹10 Crores. Is Tax Audit required for Professionals? Yes, professionals (like Doctors, Architects, Lawyers, CAs) must get their accounts audited if their gross receipts exceed ₹50 Lakhs in a financial year. What is the due date for filing the Tax Audit Report? The due date for filing the Tax Audit Report (Form 3CD/3CA/3CB) is typically 30th September of the assessment year. The Income Tax Return (ITR) itself must be filed by 31st October. What is the penalty for not getting a Tax Audit done? If a taxpayer fails to get their accounts audited or fails to furnish the report, the penalty under Section 271B is 0.5% of the total sales/turnover or ₹1,50,000, whichever is lower. Can I opt out of Tax Audit if I choose Presumptive Taxation? Yes, if you declare profits under Section 44AD (8% or 6% of turnover) and your turnover is below ₹2 Crores, you are exempt from maintaining books of accounts and getting a Tax Audit done. A Tax Audit is mandatory if the total sales, turnover, or gross receipts of a business exceed ₹1 Crore in a financial year. However, if cash receipts are less than 5% of total turnover, the limit is increased to ₹10 Crores. Yes, professionals (like Doctors, Architects, Lawyers, CAs) must get their accounts audited if their gross receipts exceed ₹50 Lakhs in a financial year. The due date for filing the Tax Audit Report (Form 3CD/3CA/3CB) is typically 30th September of the assessment year. The Income Tax Return (ITR) itself must be filed by 31st October. If a taxpayer fails to get their accounts audited or fails to furnish the report, the penalty under Section 271B is 0.5% of the total sales/turnover or ₹1,50,000, whichever is lower. Yes, if you declare profits under Section 44AD (8% or 6% of turnover) and your turnover is below ₹2 Crores, you are exempt from maintaining books of accounts and getting a Tax Audit done.

EPFO & ESIC Monthly Return Services Streamline your payroll compliance. Expert filing of monthly Provident Fund and Employee State Insurance returns. FILE MONTHLY RETURN LEARN MORE What are Monthly Returns? Filing monthly returns for EPFO (Employees’ Provident Fund Organization) and ESIC (Employees’ State Insurance Corporation) is a vital compliance requirement for businesses with eligible employees. These returns ensure that employee contributions towards provident fund and health insurance are accurately reported and maintained. At Taxcrafted Solutions, we provide expert services to streamline this process. We handle the calculation of contributions, preparation of challans, and timely filing of returns to ensure your business remains 100% compliant and penalty-free. Our Services Registration Assistance Monthly Contribution Calculation Return Preparation & Verification Timely Online Filing Challan Generation Why Choose Us? Avoid Heavy Fines & Legal Action Ensure Employee Benefits (Health/Pension) Build Business Credibility Maintain Transparent Records Smooth Audits & Inspections Seamless Compliance Process We manage the complexities so you can focus on your business. Contribution Calculation Accurate computation of employer and employee shares based on salary structures to prevent discrepancies. Online Filing Timely submission of returns through the unified Shram Suvidha Portal and ESIC portal. Employee Management Assistance with adding new employees, updating KYC details, and managing exits on the portal. Avoid Compliance Headaches Partner with Taxcrafted Solutions for accurate and timely monthly return filings. Get Expert Advice Frequently Asked Questions Key details about Monthly Compliance for PF & ESIC. What is the due date for filing monthly EPF and ESIC returns? The due date for filing and paying the monthly contributions for both EPF and ESIC is the 15th of the following month. For example, the return for April must be filed by May 15th. What happens if I delay the monthly return filing? Delayed payments attract interest u/s 7Q (12% p.a.) and penal damages u/s 14B, which can range from 5% to 25% depending on the period of delay. It is crucial to file on time to avoid litigation and penalties. Do I need to file a return if I have no employees for a month? Yes, if you are registered under the act but have no eligible employees for a specific month, you must file a “Nil Return” to inform the department. Failing to do so may result in compliance notices. What data is required for filing the monthly return? You need to provide the Wage Register (Salary Sheet) containing details like Gross Wages, Basic + DA, number of days worked, and UAN/IP numbers for all employees. After uploading the ECR (Electronic Challan cum Return) on the Unified Portal, a challan with a unique TRRN number is generated. This can be paid via Net Banking through the portal. If you withdraw EPF after 5 years of continuous service, it is tax-free. If withdrawn before 5 years, TDS may be deducted if the amount exceeds ₹50,000, unless you submit Form 15G/15H. The due date for filing and paying the monthly contributions for both EPF and ESIC is the 15th of the following month. For example, the return for April must be filed by May 15th. Delayed payments attract interest u/s 7Q (12% p.a.) and penal damages u/s 14B, which can range from 5% to 25% depending on the period of delay. It is crucial to file on time to avoid litigation and penalties. Yes, if you are registered under the act but have no eligible employees for a specific month, you must file a “Nil Return” to inform the department. Failing to do so may result in compliance notices. You need to provide the Wage Register (Salary Sheet) containing details like Gross Wages, Basic + DA, number of days worked, and UAN/IP numbers for all employees. If you withdraw EPF after 5 years of continuous service, it is tax-free. If withdrawn before 5 years, TDS may be deducted if the amount exceeds ₹50,000, unless you submit Form 15G/15H.

Loan Against Property Services in Delhi Unlock the hidden value of your property. Get high-value funds for business expansion or personal needs at lower interest rates. APPLY FOR LAP LEARN MORE What is Loan Against Property? A Loan Against Property (LAP) is a secured loan where you pledge your residential, commercial, or industrial property as collateral to obtain funds. Since it is a secured loan, lenders offer higher loan amounts and lower interest rates compared to personal loans. Whether you need funds for business expansion, education, medical emergencies, or debt consolidation, LAP provides a cost-effective solution. You continue to retain ownership of your property while using the funds to meet your financial goals. Key Features Lower Interest Rates High Loan Amount (Up to 70% of Value) Long Tenure (Up to 15 Years) Multipurpose Usage Balance Transfer Facility Our Services Property Valuation Assistance Lender Negotiation Documentation Support Application Tracking Quick Disbursal Support Eligibility & Requirements Simple criteria to unlock your property’s value. Property Documents Title Deeds (Registry) Approved Building Plan Latest Property Tax Receipt Occupancy Certificate Chain Documents Online Services KYC (PAN/Aadhaar) ITR (Last 3 Years) Bank Statements (6 Months) Salary Slips (Salaried) Business Proof (Self-Employed) Special Cases Cheaper than Personal Loans Longer Repayment Time Retain Asset Ownership High Funding Eligibility Easy Top-up Loans Need Significant Funding? Leverage your property to get the funds you need. Contact us for the best LAP deals. Get Expert Advice Frequently Asked Questions Common queries about Home Loans & Mortgages. How much Home Loan amount am I eligible for? Your eligibility depends on your monthly income, current age, credit score (CIBIL), and existing liabilities. generally, banks offer a loan amount where the EMI does not exceed 50-60% of your net monthly income. What tax benefits can I avail on a Home Loan? You can claim deductions under Section 80C (up to ₹1.5 Lakh on principal repayment) and Section 24(b) (up to ₹2 Lakh on interest payment) of the Income Tax Act. Additional benefits may apply for first-time homebuyers under specific schemes. What is the difference between Fixed and Floating interest rates? A Fixed Rate remains constant throughout the loan tenure, providing EMI stability. A Floating Rate changes based on the RBI’s repo rate and market conditions, which means your EMI may increase or decrease over time. What property documents are required for the loan? You typically need the Agreement to Sale, Title Deed (Chain of documents), Approved Building Plan, Occupancy Certificate (OC), and property tax receipts. Our team assists in verifying these documents legally. Can I transfer my existing home loan to another bank? Yes, this is called a Balance Transfer. If another bank offers a lower interest rate, you can transfer the outstanding balance to them to reduce your EMI burden. We help calculate the savings to see if it’s beneficial. Your eligibility depends on your monthly income, current age, credit score (CIBIL), and existing liabilities. generally, banks offer a loan amount where the EMI does not exceed 50-60% of your net monthly income. You can claim deductions under Section 80C (up to ₹1.5 Lakh on principal repayment) and Section 24(b) (up to ₹2 Lakh on interest payment) of the Income Tax Act. Additional benefits may apply for first-time homebuyers under specific schemes. A Fixed Rate remains constant throughout the loan tenure, providing EMI stability. A Floating Rate changes based on the RBI’s repo rate and market conditions, which means your EMI may increase or decrease over time. You typically need the Agreement to Sale, Title Deed (Chain of documents), Approved Building Plan, Occupancy Certificate (OC), and property tax receipts. Our team assists in verifying these documents legally. Yes, this is called a Balance Transfer. If another bank offers a lower interest rate, you can transfer the outstanding balance to them to reduce your EMI burden. We help calculate the savings to see if it’s beneficial.

Overdraft & Cash Credit Services Boost your working capital with flexible Overdraft and Cash Credit facilities. Access funds quickly to meet operational needs APPLY FOR LIMITE LEARN MORE What are Overdraft and Cash Credit Facilities? Overdraft (OD) and Cash Credit (CC) are financial instruments used by businesses to manage working capital shortages. Overdraft: A facility that allows you to withdraw money from your current account even if the balance is zero, up to a sanctioned limit. Interest is charged only on the amount utilized. Cash Credit: A short-term loan provided to businesses to meet their working capital requirements. It is secured against current assets like inventory or receivables. Key Features Interest only on Utilized Amount Flexible Withdrawals & Repayment Renewable Annually Quick Access to Funds Helps in Cash Flow Management Our Services Assessment of Working Capital Needs Lender Negotiation for Best Rates Documentation Support Application Assistance Support for Rejected Claims Requirements & Eligibility Get your limit sanctioned with minimal hassle. Documents Required KYC of Business & Promoters Audited Financials (Last 3 Years) Bank Statements (Last 6 Months) Stock Statement (for CC) GST Returns Eligibility Business Vintage > 3 Years Profitable Track Record Good CIBIL Score Valid GST Registration Sufficient Collateral (if applicable) Benefits Better Cash Flow Lower Interest than Term Loans No EMI Burden Easy Operational Expenses Improve Credit Score Manage Your Cash Flow Efficiently Get expert assistance to secure the right OD or CC limit for your business needs. Get Expert Advice Frequently Asked Questions Key details about Overdraft & Cash Credit Limits. What is the difference between Overdraft (OD) and Cash Credit (CC)? Cash Credit (CC) is primarily given against the hypothecation of stock (inventory) and receivables (debtors). Overdraft (OD) is usually given against financial securities like Fixed Deposits (FD), shares, or property. Both are working capital limits. How is interest calculated on an OD/CC limit? Unlike term loans where interest is charged on the total principal, in OD/CC, interest is charged only on the amount utilized and for the number of days it is used. This makes it a cost-effective way to manage daily cash flow needs. Is collateral mandatory for getting a CC limit? Yes, CC limits are secured loans. Primary security involves your business assets (stock & book debts), and banks often require collateral security in the form of residential/commercial property or FDs, depending on the loan amount. What is the renewal process for these limits? OD and CC limits are typically valid for 12 months. They must be renewed annually by submitting updated financial statements (Audited Balance Sheet, ITR) and stock statements to the bank for review. Can I get an unsecured OD limit? Yes, banks offer “Unsecured Business OD” (often called Dropline Overdraft) based on your business turnover, vintage, and credit score (CIBIL). However, interest rates for unsecured ODs are generally higher than secured limits. Cash Credit (CC) is primarily given against the hypothecation of stock (inventory) and receivables (debtors). Overdraft (OD) is usually given against financial securities like Fixed Deposits (FD), shares, or property. Both are working capital limits. Unlike term loans where interest is charged on the total principal, in OD/CC, interest is charged only on the amount utilized and for the number of days it is used. This makes it a cost-effective way to manage daily cash flow needs. Yes, CC limits are secured loans. Primary security involves your business assets (stock & book debts), and banks often require collateral security in the form of residential/commercial property or FDs, depending on the loan amount. OD and CC limits are typically valid for 12 months. They must be renewed annually by submitting updated financial statements (Audited Balance Sheet, ITR) and stock statements to the bank for review. Yes, banks offer “Unsecured Business OD” (often called Dropline Overdraft) based on your business turnover, vintage, and credit score (CIBIL). However, interest rates for unsecured ODs are generally higher than secured limits.

Loan Against Property Services in Delhi Unlock the hidden value of your property. Get high-value funds for business expansion or personal needs at lower interest rates. APPLY FOR LAP LEARN MORE What is Loan Against Property? A Loan Against Property (LAP) is a secured loan where you pledge your residential, commercial, or industrial property as collateral to obtain funds. Since it is a secured loan, lenders offer higher loan amounts and lower interest rates compared to personal loans. Whether you need funds for business expansion, education, medical emergencies, or debt consolidation, LAP provides a cost-effective solution. You continue to retain ownership of your property while using the funds to meet your financial goals. Key Features Lower Interest Rates High Loan Amount (Up to 70% of Value) Long Tenure (Up to 15 Years) Multipurpose Usage Balance Transfer Facility Our Services Property Valuation Assistance Lender Negotiation Documentation Support Application Tracking Quick Disbursal Support Eligibility & Requirements Simple criteria to unlock your property’s value. Property Documents Title Deeds (Registry) Approved Building Plan Latest Property Tax Receipt Occupancy Certificate Chain Documents Online Services KYC (PAN/Aadhaar) ITR (Last 3 Years) Bank Statements (6 Months) Salary Slips (Salaried) Business Proof (Self-Employed) Special Cases Cheaper than Personal Loans Longer Repayment Time Retain Asset Ownership High Funding Eligibility Easy Top-up Loans Need Significant Funding? Leverage your property to get the funds you need. Contact us for the best LAP deals. Get Expert Advice Frequently Asked Questions Key information about Loan Against Property (LAP). What percentage of my property value can I get as a loan? Yes, you can apply for a partial withdrawal (advance) from your EPF account for specific reasons such as medical emergencies, marriage, education, or home purchase/renovation, using Form 31. Can I use the loan amount for any purpose? Form 19: For final PF settlement (after leaving the job). Form 10C: For pension withdrawal scheme certificate. Form 31: For partial withdrawal (advance) while in service. What types of properties are accepted as collateral? Typically, online claims are settled within 7 to 20 days. However, in some cases involving discrepancies or manual verification, it might take longer. We assist in tracking and expediting this process. Is the interest rate lower than a Personal Loan? Common reasons for rejection include mismatch in Name/DOB between Aadhaar and EPF records, incorrect bank details (IFSC/Account No.), or incomplete KYC. We help identify the error and re-file the claim correctly. What is the maximum tenure for repayment? If you withdraw EPF after 5 years of continuous service, it is tax-free. If withdrawn before 5 years, TDS may be deducted if the amount exceeds ₹50,000, unless you submit Form 15G/15H. Yes, you can apply for a partial withdrawal (advance) from your EPF account for specific reasons such as medical emergencies, marriage, education, or home purchase/renovation, using Form 31. Form 19: For final PF settlement (after leaving the job). Form 10C: For pension withdrawal scheme certificate. Form 31: For partial withdrawal (advance) while in service. Typically, online claims are settled within 7 to 20 days. However, in some cases involving discrepancies or manual verification, it might take longer. We assist in tracking and expediting this process. Common reasons for rejection include mismatch in Name/DOB between Aadhaar and EPF records, incorrect bank details (IFSC/Account No.), or incomplete KYC. We help identify the error and re-file the claim correctly. If you withdraw EPF after 5 years of continuous service, it is tax-free. If withdrawn before 5 years, TDS may be deducted if the amount exceeds ₹50,000, unless you submit Form 15G/15H.