Expert Investment & Financial Advisory Services in Mumbai – CA Vijay Singh
Comprehensive Investment & Financial Advisory Services
Access Affordable Funding with Expert Loan Assistance
Whether you’re a salaried individual seeking a home loan or a business owner looking for working capital, navigating India’s financial ecosystem can be challenging. At Vijay R Singh & Co., we provide professional loan and finance consulting services to help individuals and businesses secure the funding they need quickly and at competitive interest rates.
Our team works closely with banks, NBFCs, and government institutions to connect you with the most suitable financial products based on your requirements.
Personal & Commercial Loan Services
Personal & Commercial Loan Services1. Home Loans
- Tailored solutions for salaried and self-employed individuals
- Interest rates starting at 8.40% p.a.
- Assistance with eligibility checks, application, and document submission
- Subsidy advisory under PMAY (Pradhan Mantri Awas Yojana)
2. Loan Against Property (Mortgage Loans)
- Secure high-value loans using residential or commercial property as collateral
- Rates starting at 9.00% p.a.
- Ideal for business expansion or debt consolidation
3. Personal Loans
- Quick unsecured loans for medical, travel, or urgent financial needs
- Flexible repayment options
- Interest rates from 10.50% p.a.
4. Business Loans
- Fund business expansion, equipment purchase, or working capital
- Attractive rates starting from 9.50% p.a.
- Assistance with collateral-free loans for MSMEs
5. Overdraft (OD) and Cash Credit (CC)
- Flexible funding options for managing daily operations
- Interest charged only on utilized amounts
- Interest rates from 9.25% p.a.
6. Project Finance
- Structuring and documentation for long-term infrastructure and industrial project funding
- Customized interest rates based on project risk and size
- Support with DPR (Detailed Project Report) and financial modeling
Government-Backed Loan Schemes & Benefits
Government-Backed Loan Schemes & BenefitsWe help clients access subsidized and special-category loans through various Indian government initiatives:
PMAY – Pradhan Mantri Awas Yojana
PMAY – Pradhan Mantri Awas Yojana- Up to ₹2.67 lakh subsidy on home loans
- Eligibility-based support for LIG, MIG-I, MIG-II categories
MUDRA Loans
- Funding for micro and small enterprises under Shishu, Kishor, and Tarun categories
- Loans up to ₹10 lakh with no collateral
Stand-Up India Scheme
- Loans between ₹10 lakh – ₹1 crore for SC/ST and women entrepreneurs
- Support for setting up greenfield enterprises
PMJDY – Jan Dhan Yojana
- Zero-balance savings account with overdraft facilities and RuPay card
- Financial inclusion for unbanked individuals
Kisan Credit Card (KCC)
- Easy access to credit for agriculture and allied activities
- Low interest rates and flexible repayment terms
Education Loans
- Loans for higher education in India or abroad
- Interest subsidies for economically weaker sections (EWS) under the Central Sector Scheme
Why Choose Vijay R Singh & Co. for Loan Advisory?
Why Choose Vijay R Singh & Co. for Loan Advisory?
Complete Assistance: From eligibility check to disbursement, we handle the entire process.
Wide Network: Access to multiple banks, NBFCs, and cooperative institutions.
Expert Advisory: Choose the right loan structure for your personal or business needs.
Documentation Support: We assist in gathering, verifying, and submitting required paperwork.
Government Scheme Guidance: Ensure you avail all applicable subsidies and schemes.
As a freelance developer, my income crossed the GST threshold, and I was lost. I didn't know how to register or what an HSN code was. The team handled my entire GST registration online, gave me a compliant invoice template, and now files my returns every quarter. It's a huge weight off my shoulders, and I can claim ITC on my software subscriptions, which I never knew was possible.
I was struggling to decide between the regular tax method and the presumptive scheme. The team did a simple analysis and showed me that with my low expenses, Section 44ADA was a no-brainer. I now pay tax on just 50% of my income, and I don't have to keep a shoebox full of receipts. The time I've saved is invaluable.
Frequently Asked Questions
Our team conducts an eligibility check based on your income, credit history, and funding requirements. We then compare multiple banks, NBFCs, and government schemes to recommend the most suitable loan product with the best interest rate.
Yes. We assist individuals with home, personal, and education loans, while also supporting businesses with working capital loans, overdrafts, project finance, and MSME-focused government schemes.
Documentation varies by loan type, but typically includes:
Identity proof (Aadhaar, PAN, Passport)
Address proof (Utility bill, Rental agreement)
Income proof (Salary slips, ITR, Balance sheets)
Property papers (for mortgage loans)
Our team provides a complete checklist and ensures error-free submission.
Absolutely. We specialize in helping clients avail subsidies and benefits under PMAY, MUDRA, Stand-Up India, Education Loan Subsidies, and other government-backed schemes to reduce borrowing costs.
Financial & Investment Advisory
Personal financial planning, investment allocation review, retirement readiness, and intergenerational wealth structuring – independent fee-based advisory, not commission-driven product sales.
By CA Vijay R Singh, FCA
ICAI Membership No. 153926 | FRN 136869W | Practising since 2013
Quick Summary
Most personal finance advice in India is commission-driven product sales dressed up as advisory. This service is the alternative – fee-based independent advisory where the incentive is the client’s outcome, not the product’s commission. Built for individuals and families needing to think through allocation, retirement, succession, and tax-efficient wealth structuring without a product agenda.
Strategic Fit: Is this right for you?
Mid-Career Professional
Building first investment portfolio, optimising tax.
HNI/UHNI
Allocation review, succession planning, family office structuring.
Pre-Retirement
5-10 years from retirement - readiness review.
Post-Retirement
Income generation, capital preservation, healthcare planning.
NRI / Returning NRI
Cross-border allocation, RNOR transition planning.
Family Succession
HUF, family trust, will, gifting strategies.
Final Deliverables Checklist
Everything you receive at the end of the engagement.
- Financial diagnostic - current allocation, gap analysis, risk assessment
- Goal-based plan (retirement, education, home, healthcare)
- Allocation recommendations (asset class, geography, currency)
- Tax-efficient structuring (Sec 80C, 80D, capital gains harvesting)
- Insurance gap analysis (life, health, asset)
- Succession plan (will, HUF, family trust as appropriate)
- Annual review + rebalancing
- Coordination with mutual fund/broker/insurance advisors
UNDERSTANDING THE FEE-BASED ADVISORY MODEL
Independence
We do not earn commissions from mutual funds, insurance, or any product. Advice is fee-based and product-agnostic.
Coverage
Allocation across equity, debt, real estate, gold, international. Tax-efficient structuring. Risk management.
Limits
We do not execute trades on your behalf. We do not give product recommendations as a SEBI Registered Investment Advisor would. Our advice is on structuring and CA-domain tax efficiency.
The Engagement Lifecycle
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Transparent Pricing Structure
Statutory & Third-Party Costs – pass-through, NOT our fees
These are paid directly to government departments, certifying authorities, and banks. They are not VRS professional fees.
- No commission from any product - VRS is fee-based independent advisor
- Mutual fund / broker / insurance fees borne directly by client at platform/issuer level
- Stamp duty on property / shares transactions: state / market-determined, pass-through
- Will registration (where applicable): state-determined registration fee
- Family trust / HUF setup fees: separate from this engagement (separate quote)
Engagement & Fees
We handle your finance and compliance needs end-to-end — accounting, tax, and advisory under one coordinated engagement — scoped to your requirements during an initial scoping call.
Fees are confirmed per engagement after the scoping call, based on the scope and complexity involved. You receive a clear, written quote before any work begins — no hidden charges.
Quoted per Engagement
The final quote depends on the scope, volume, and statutory complexity of your specific engagement.
Frequently Asked Questions
Why fee-based instead of commission-based?
Commission incentives push advisors toward higher-commission products, not necessarily better products. Fee-based advisory aligns the advisor’s incentive with the client’s outcome.
Do you give specific mutual fund recommendations?
We give allocation guidance (equity / debt / international / gold split). For specific fund picks within an allocation, we coordinate with SEBI Registered Investment Advisors. We focus on the structuring side.
Can you do my tax planning and investment advisory together?
Yes – the two are interlinked. Tax-efficient investment structuring is one of the most valuable parts of personal finance work, especially capital gains harvesting and Sec 80C optimisation.
I am an NRI returning to India in 2 years. Can you help with the transition?
Yes – RNOR window planning + asset / income sequencing. Detailed under the Returning NRI – RNOR Status & Tax Planning page.
Do you do estate planning / will drafting?
Will drafting is done by a lawyer; we coordinate. We handle the tax-efficient structuring (HUF, family trust, gifting strategies) where the CA expertise applies.
How often do we review the plan?
Annual review minimum. Mid-year touch-base where significant life events (job change, property purchase, large bonus, inheritance) happen.