About Sattwa Advisory
The word ‘Sattwa’ is derived from the Sanskrit word ‘सत्त्व’. The word imbibes the quality of
positivity, wholesomeness, truth, serenity and balance that is drawn towards knowledge and
dharma. A semblance of this brings happiness and satisfaction in life. With the thought of imbibing
these qualities to elevate others’ lives, Sattwa Advisory was established.
The USP of our team is that we practice what we preach. Thus, the advice given by us is the advice we, at Sattwa Advisory, will follow ourselves. This is the reason that our clients trust us with their financial matters, both personal and professional. Furthermore, we make arrangements to deliver financial solutions as per our advice.
Our Aim
- To provide end-to-end Financial advice and Debt Syndication solutions to MSMEs
- To empower our clients/individuals in the field of Finance and Debt Syndication
Our Mission
- To take ahead strong values and build profitable businesses
- To practice structured financial services
Management Team
Ketan Chandak is the Executive Director and Co-Founder of Sattwa Advisory Pvt. Ltd. He is also the Associate Member of the Institute of Chartered Accountants of India for a decade. Over the years, Ketan has worked on audit and assurance assignments for listed, unlisted, and private limited companies. He has served clients across multiple sectors such as Manufacturing, Real-estate, Education, etc. His core expertise is in Financial Modelling and Debt Syndication. He oversees the working capital and financial planning services at the company.
Vivek Chandak is Director at Sattwa Advisory Pvt. Ltd. He is also an Associate Member of the Institute of Chartered Accountants of India for the past five years. Over the years, Vivek has worked on growing the retail products at the company. The clients have benefited immensely from his domain experience in Home Loans, Loan against Property, Personal Loans, Business Loans and other retail products. He oversees the retail loan products service areas at the company.
Success Stories
Working on Capital Limits to gain Growth
- Problem One of our client’s (of the service sector) had borrowed a Business Loan of an amount in excess of ₹2 crores (20 Mn). The rate of interest was between 17-19%. Since the client was in expansion mode, they focused on funds rather than considering the cost of funds. Bearing a monthly EMI of ₹17 lakh (1.7 Mn), the client began to feel the stress in terms of cash flow for growth and debt-servicing.
- Solution Sattwa Advisory leveraged its expertise and got the sanction on working capital limits. This helped the client to gain much-needed Growth Capital and a respite from monthly EMIs.
- Result The client now bears monthly interest on the utilized amount of the loan. They also gained Growth, on capital and for the company.
Raising Loan to gain Advise & Finance
- Problem Another client (from the manufacturing sector) wanted to plan the Backward Integration of the company. But the company did not have working capital limits and was dependent upon Loan Against Property (LAP) for the same. Moreover, the financial statements did not meet the banking norms, not reflecting the strength of the company.
- Solution At Sattwa Advisory, we leveraged our proactive approach and financial representation to raise term loans and working capital of ₹5 crores (50 Mn).
- Result Thus, we not only helped them raise the loans but also improved their Working Capital Cycle. Furthermore, we fine-tuned their business model. In addition to this, we also simplified the group’s funding requirements and created a system for better collateral management.