Business and builder finance, arranged with banking experience
We help businesses, builders and entrepreneurs across Andhra Pradesh structure loan files up to ₹100 Crores, secure government subsidies (PMEGP/CGTMSE), check official free CIBIL scores, and process foreign visas (USA, UK, Canada, Australia, Europe & Gulf).
Manepalli Kranthi Kumar
A senior banking professional with over 15 years of institutional experience in corporate banking, loan underwriting, working capital appraisal, and direct lending networks. Aura Global Group collaborates with an empanelled group of Chartered Accountants and legal counsel to verify project reports, title documents, and CMA files prior to submission to banks and financial institutions.
Foreign Country Visa Processing
Dedicated international desk for university admissions, skilled work permits, visitor visas, and spousal open work permits.
Student and study visas
End-to-end guidance from offer letters to visa stamping.
- USA (F-1 / M-1) slot booking & mock interviews
- UK Student Route, Canada SDS/Non-SDS
- Australia Subclass 500 & Schengen Europe
Work permits and employment
Assistance for sponsored and skilled professionals.
- UK Skilled Worker Visa & Germany Opportunity Card
- Canada LMIA-backed permits & PGWP
- Australia TSS 482 / 491 / 494 & Gulf permits
Visitor, tourist and business
Fast-track filing for families, leisure, and conferences.
- USA B1/B2 visitor visa filing
- Schengen 27-country tourist visas
- UK Standard Visitor & Dubai 30/60 days express
Spouse, dependent and PR
Family reunification and point-tested immigration.
- Canada Spousal Open Work Permit (SOWP)
- Express Entry & Australia 189/190 GSM PR
- CA net-worth & financial solvency proof
Business, builder and property loans
We prepare your file and present it to banks and NBFCs. The lender decides on approval, rate and terms.
Builder and real estate finance
Construction and project funding for layouts, apartments and commercial buildings.
- Construction finance for developers in AP and Telangana
- Takeout finance and lease rental discounting
Project finance (₹5 Cr – ₹100 Cr)
Debt structuring for industrial plants, cold chains, agro-processing and logistics.
- CMA data and project report preparation
- Review by our panel Chartered Accountants
Working capital
Funding for stock, purchases and day-to-day cash flow.
- Cash credit (CC) and overdraft (OD)
- Bank guarantee and letter of credit (LC)
Loan against property and housing
Loans secured by residential or commercial property, or to build or buy a home.
- Title documents checked by panel lawyers
- Balance transfer and top-up assistance
MSME loans and government schemes
For first-generation entrepreneurs and new firms without a three-year balance sheet. Scheme limits and subsidy rates change, so we confirm current rules with you at the start.
New firms and startups
Equipment and working-capital loans based on projected cash flows.
- Project report with CA verification
PMEGP
Margin-money subsidy for new manufacturing and service units.
- Online application and DIC follow-up
- Subsidy up to 35% based on category & location
CGTMSE
Collateral-free credit for eligible micro and small enterprises under the government guarantee scheme.
- Guaranteed coverage up to ₹5 Crore
MUDRA (PMMY)
Small business loans in Shishu, Kishore and Tarun categories.
- Suitable for retail shops, services and small units
Credit report review and dispute support
A low score or clerical errors can block loan sanctions. We assist in auditing credit files and raising official dispute tickets.
Every person can get one free full credit report each year from each bureau. Corrections depend on the lender and bureau, and we cannot guarantee score upgrades.
Bank Auction Properties (SARFAESI)
Acquire verified distress residential, commercial, and industrial properties at 20% to 40% below prevailing market value.
Curated auction listings
Verified bank listings under SARFAESI Act across Kakinada, Konaseema, and coastal Andhra Pradesh.
Title and legal review
Scrutiny of physical possession, encumbrance certificates (EC), and municipal dues by panel lawyers.
Auction finance arrangements
Pre-approved term finance and loan arrangements to fund qualifying bank auction bids.
Insurance services
Risk mitigation arranged through authorized general and life insurance underwriters.
Health and group medical
Comprehensive family floater and corporate employee mediclaim policies.
Fire, factory and marine
Asset coverage for industrial plants, warehouses, machinery, and cargo transit.
Keyman and term insurance
Financial protection for promoters, directors, business partners, and families.
How it works
Indicative interest rate ranges
For reference only. These are not offers. Updated automatically each calendar quarter.
| Loan type | SBI | HDFC Bank | ICICI Bank | Kotak / Axis |
|---|---|---|---|---|
| Housing | 8.40–9.15% | 8.50–9.25% | 8.55–9.30% | 8.60–9.35% |
| Loan against property | 9.20–10.50% | 9.35–10.80% | 9.40–10.90% | 9.50–11.00% |
| Personal | 10.30–13.90% | 10.50–14.50% | 10.65–15.00% | 10.75–15.50% |
| MSME / business | 9.65–12.50% | 10.25–14.00% | 10.50–14.25% | 10.75–14.50% |
| Commercial / builder | 9.10–11.20% | 9.25–11.50% | 9.30–11.75% | 9.50–12.00% |
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Commercial EMI calculator (Up to ₹100 Cr)
Type your loan amount, interest rate and tenure directly by hand for exact calculations with full monthly repayment schedule.
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Total Interest Payable ₹ 0
Total Repayment (P + I) ₹ 0
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Get a free consultation
Share your requirement and M. Kranthi Kumar or our specialist team will call you back.
Our offices
Kakinada head office
Main Road, Kakinada, Kakinada District, Andhra Pradesh. High-ticket syndication, project finance, visas and legal documentation.
- contact@auraglobalgroup.in
- +91 98487 70876
Amalapuram branch
Bank Street, Amalapuram, Konaseema District, Andhra Pradesh. MSME schemes, retail loans, agriculture debt and subsidies.
- +91 98487 70876