Expert guidance from project planning to loan disbursement — with full subsidy support under Aatmanirbhar Gujarat Scheme 2022.
Dinesh J. Shah & Associates (DJS) works as a trusted industrial loan consultant in Ahmedabad, helping entrepreneurs and MSMEs secure the right financing at every stage of their business, from setting up a new manufacturing unit to expanding an existing one. Our CA-led team structures loan applications for greenfield and brownfield projects, machinery and equipment purchase, working capital, and construction finance, while ensuring clients get the full benefit of available government subsidies wherever applicable.
With over 25 years of experience guiding MSMEs and industrial units across Ahmedabad and Gujarat, we handle the process end-to-end: project reports, documentation, lender coordination, and follow-up through to disbursement- so business owners can focus on running their operations rather than navigating paperwork. Explore the loan solutions below to find the right fit for your business stage.
Supports entrepreneurs establishing a new manufacturing or industrial unit. Finance covers land, building, machinery, installation, and all project setup expenses.
Financial assistance for expansion, modernization, and capacity enhancement of existing industrial units with full government subsidy support.
Loans designed for MSMEs to start new businesses, support growth, and handle operational needs — with full benefit of government subsidies.
Financing solution for purchasing industrial machinery, equipment, and technology upgrades — for new units or business expansion at best interest rates.
credit facility for managing daily operational expenses and maintaining liquidity for smooth business operations with flexible withdrawal.
Central Government-backed initiative enabling Micro and Small enterprises to avail collateral-free loans with credit guarantee cover up to ₹10 Crore.
Finance also available againt unsold inventory.
Specialized funding with stage-wise disbursement based on construction progress, helping manage project costs and maintain steady cash flow throughout the lifecycle.
A secured loan facility where residential or commercial property is pledged as collateral to avail funds for multiple business or personal purposes.
Business Loan is an unsecured loan facility for businessmen, offering a very fast processing and disbursement period.
Loans designed for MSMEs to start new businesses, support growth, and handle operational needs — with full benefit of government subsidies.
| Component | Details |
|---|---|
| Loan Type | MSME Term Loan + CC/OD |
| Loan Amount | 75%–100% of Project / WC Needs |
| Tenure | 5–10 Years |
| Interest Rate | Usually 8% to 10% |
| Govt. Support | Capital, Interest, SGST & Power Subsidies |
Our experts will guide you through every step of the process.
| Scheme | Who It's For | Key Subsidy Type |
|---|---|---|
| Greenfield Industry Finance | New industrial unit setup | Tenure 5–10 yrs, moratorium 6–18 mo. |
| Brownfield Industry Finance | Expansion/modernization | Tenure 5–8 yrs, moratorium up to 12 mo. |
| MSME Loans | MSME growth & operations | 75–100% funding, 8–10% rate, 5–10 yrs |
| Machinery & Equipment Loans | Equipment purchase/upgrade | Up to 100% funding, from 8%, 5–7 yrs |
| Cash Credit / Working Capital | Daily operational liquidity | Based on turnover, yearly renewal |
| CGTMSE Loan | Collateral-free MSE funding | Up to ₹10 Cr, tenure 3–7 yrs |
| Construction / Builder Finance | Project & infrastructure funding | Tenure 5–10 yrs, stage-wise disbursal |
| Loan Against Property | Secured, multi-purpose funding | Up to 80% LTV, tenure up to 15 yrs |
| Business Loan (BL) | Fast, unsecured business funding | Tenure 3–5 yrs |
Entrepreneurs setting up a new industrial unit, existing MSMEs looking to expand or modernize, and business owners needing working capital, equipment finance, or property-backed funding in Ahmedabad and across Gujarat.
Yes, as an industrial loan consultant, we structure eligible loans alongside applicable state and central government subsidy schemes to reduce the effective cost of financing.
No, options like CGTMSE Loan and Business Loan (BL) are collateral-free, while Loan Against Property and Construction Finance are secured against property or project assets.
Timelines vary by loan type and lender, with processing generally ranging from a few weeks to a couple of months depending on documentation readiness and loan size.
Dinesh J. Shah & Associates provides professional accounting, taxation, and financial advisory services, helping businesses and individuals achieve financial clarity and compliance.
Delivering expert solutions in Project Finance, Business Loans, Working Capital, and Government Subsidies—helping MSMEs and emerging businesses grow with strategic and result-oriented financial plan.