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Chandu

Chandu Nair  | Answer  |Ask -

VC, Angel Investing, Entrepreneurship Expert - Answered on Feb 14, 2024

Chandu Nair advises entrepreneurs and enterprises about creating and building their business.
He has direct experience in angel, venture capital and strategic investor funding. Over the last three decades, he has made a name for himself in industry, consultancy, media and information services.
Nair is on the advisory boards of the Chennai-based private equity firm Fulcrum and the social impact fund, Menterra. He's an independent director on the board of India's first retail building products company, Shankara Building Products Limited.
He was the co-founder of Scope e-Knowledge Center, a pioneering knowledge process outsourcing company, as well as the co-founder of a business-to-business e-commerce venture, both of which he successfully exited.... more
Asked by Anonymous - Nov 06, 2023Hindi
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Hi Chandru, We are working on 2 startup ideas which we are confident enough but sometimes we feel stuck when it comes to getting funding or how do we get funding from different investors What's your suggestion on this and we really do have a great product idea. Also, we do have a different business which is doing profita but we are unable to scale it up. How do we achieve this

Ans: It is difficult to answer such generic questions. 99+% entrepreneurs/ start-ups don't/can't raise funding for various reasons. You may want to refine your idea/ business model by being part of a well-known incubator where you can get specific inputs plus mentoring too.
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Chandu

Chandu Nair  | Answer  |Ask -

VC, Angel Investing, Entrepreneurship Expert - Answered on Jul 18, 2023

Asked by Anonymous - Jul 17, 2023Hindi
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dear sir, we’ve based our product startup companies( ie Ltd&LLP all certified with DPIIT…) based on innovations and mostly hardcore inventions, some of which are internationally awarded and patented. almost all of our products carry some or other innovations in true sense not just trendy hype… From medical domain, home furnishings fitments to VVIP security or defence and more, we’ve game changing innovations in most products. sir , before we seek VC,Angels investors, we want to build ready POCs for spinning off, domain specific firms since private investors would want a profitable and viable setup for definite ROIs; ie we wish to have either govt/Philanthropic grants based on innovations and potential future ROI… ( We want to concentrate and rather assert our selves, on real value adding products for benefit of all stakeholders , not just making profits… in one line, we wish to act independently without reporting to investors targeting profits than products value creating innovative checklists… atleast before we come out with sellable MVP on shelf market realities. initial seeding has totally exhausted our savings, assets sold and even working capital. we cant just stick to just 1 product due to the whole ecosystem designed around each and hence interdependent just like links in chain. We’ve huge potential even in space domains where we can even help isro drdo to excel further( although we’ve not dared to do POCs due to obviously resources crunch …) Kindly guide us to get ourselves govt/philanthropical grants of order 45L onwards so that we can switch ON the sales marketing and kickstart the giants propeller engines alike huge ships to start the immense potential voyages , with deserving stakeholders onboard. working capital needs of order of 50xL is of prime importance /criticality. thank you for your time. BR, founders Chandra kpchandra49 at gmail NB kindly share your contact emails or ping us directly referencing this page’s online matter
Ans: The Government of India has certain grant schemes for start-ups. Visit https://www.startupindia.gov.in/ to get details. I think there are over 20 funding schemes. Certain State governments too have innovation voucher or other start-up assistance programmes. See what suits your needs.

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Sunil

Sunil Lala  |218 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

Money
Dear Sir, I am 40 year old, my take home is 1.41 lacs per month. I have 11 year old daughter and 3.5 year old son. I am investing 12.5k per month in SSY (27 lacs in total) and 12.5k per month in PPF (6 lacs in total). Investing around 4k in SIP in index fund (1.2 lacs) and I have around 30 lacs in FD. I have taken 1cr term insurance and have 10lakhs health insurance for family. FD is not giving me satisfactory returns and not beating the inflation. I am planning to invest 25 lacs in buying a site. I don't have any loans and don't have major commitment other than children education. I request you to guide me on future investments, I would like to get a constant income of 1-1.5 lacs PM after 5-6 years.
Ans: Hi Ajay, understand the SSY and PPF are also not givin you enough returns, your SIP in index funds and FD all are ineffecient return making assets. Buying a site will not ensure liquidity when you will need it the most, and 10L health insurance for a family of 4 is low as well.
Having a constant income of 1-1.5L p.m. means annually 12-18L of income, and to have a passive income like that, your corpus should be 15-16x of the annual income --> which means we are looking at 1.8Cr to 2.7Cr of corpus in the next 5-6 years.
There are a lot of flaws in your investment strategies because at one place you are wanting to lock in money at a site, in SSY and PPF and on the other you are looking to earn 1-1.5L p.m. which is possible through liquid investments.
I would love to help you out, but to me it feels like there is a gap in the knowledge about investments and personal finance. If you are wanting to have a detailed conversation about your investments and where you can park your money to grow it to have the monthly income you want after a certain number of years, visit my website www.slwealthsolutions.com

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Sunil

Sunil Lala  |218 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

Money
I m a 44 yrs old . My salary 85k net per month. Rent income 1.20 lakh per month. Fixed deposit 46 lakh PPF 21.35 lakh Lap loan 46.50 lakh OD loan 6.50 lakh. Mutual funds 2.75 lakhs Shares 3.25 laks Property in Noida, jewar, dwarka , Rohini and faridbad. My wife is earning 50k per month but not contributing in assests we spend his salary on vacations and foods and cloths as she don't want to save. According to her it is my responsibility to provide foods and investment. At this age I m going to lose my jobs. I can manage all things with rental but how can I build up financial assets from here on and my triple source like salary, rental and interest helps me a lot in past. I m simple man with basic needs no extra expenses on me. But kids are in college in class 9 how can I build assests and ensure their good education
Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

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