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Chandu

Chandu Nair  |55 Answers  |Ask -

VC, Angel Investing, Entrepreneurship Expert - Answered on Mar 05, 2023

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 - Mar 05, 2023Hindi
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Career

I'm a chemical engineer by education. I want to shift back to my home state of West Bengal and start an MSME there preferably working on green technologies and problems for instance bio-diesel production. The issue is chemical industries typically require a lot of initial capital, research and red tape maneuverability. If I intend to go this path how will I raise capital? Will it be right to go down this path at all?

Ans: You need to do some research on specific areas that you want to work, zero in on a few and finally choose one. There are academic and research institutions working on these issues across India plus there are government bodies too which have done a fair amount of work. Locate those which match your area of interest and work with professors/ researchers who want to commercialise their research. Another way is to work with start-ups or companies in green technologies and understand the techno-commercial dynamics of this area. This will help you learn while getting paid. It might also help you locate partners, possible co-founders and other key constituents of the ecosystem. There are incubators in universities and outside willing to support passionate and experienced/knowledgeable entrepreneurs. Re funding, there are startup grants and equity/loan options available. I think that step comes later. Hope this helps
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Hi Sushil. My daughter is planning to do MS from US. She has got acceptance from two universities and waiting from one more. Meanwhile, I have approached bank for loan. Their list of documents require I20, whereas for I20 I have to show finance. How to solve this? Secondly, the fee estimate of University shows only for one year ( spring and fall), How can I show the requirement for two years to Bank? No.3: Whether cash in account to be shown while applying for VISA or bank loan also will do? Sorry I have asked lot of questions.
Ans: Hello R. It is great that your daughter has been accepted by a couple of universities in the US. To answer your question first, generally, banks do ask for I-20 to process the loan application; however, a few banks or NBFCs, e.g., HDFC Credila, could issue a loan sanction letter on the basis of the offer letter issued. You could use this sanction letter to call for the I20, provided the university is accepting the letter, or show the required funds in your savings account, provide a bank certificate, and then call for the I20.Expenses to be shown in the bank certificate or savings account to call for the I20 are for a year, which includes the total of tuition, food, accommodation, and miscellaneous [if any]. I20 will show expenses for 9 or 12 months; however, it will also clearly mention the start and end dates of the course, which would help the bank know the total duration of the course and accordingly sanction the loan amount will be sanctioned. Yes, both the savings account and the education loan letter could be used during the visa interview.

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Asked by Anonymous - Mar 29, 2024Hindi
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I was doing Business for past 23 years and have been succesful in that.. After COVID my business fell apart and I am trying to regain the foothold. Although I have created a good brand, I am not able to make the Money I was making earlier. However the buisness is picking up and I knew If I could have little more patience, I will make it. However the situation demands lot of financial requirements for my lifestyle and family. They are insisiting me to go for a Job now. My business is stagnent for past few years and it is slowly showing the signs of growth now.. I do not want any waiting time due to pressing needs. I am 49 Now.. I am not sure if applying for work at this age will help as I have no idea on the Job market.. I am getting very good offers on selling my Business. Kindly advice.
Ans: Dear

There are two parts.

Emotional...how you feel attached to your business.

Rational: your financial needs and the revenue that your business is generating.

Any advise us a function of both the above aspects. Unless one knows the current revenue numbers, growth potential of the business, competition and several such factors it's not possible to share any guidance.

Hence may I suggest you talk to your CA and other colleagues of yours, look at the numbers in hard way and then take a call.

Emotional aspect can be both strength and liability... strength because it will inspire you to make business grow... liability because you may be overtly attached to your business without looking at the financial realities.

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Asked by Anonymous - Mar 28, 2024Hindi
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Sir im 36 yrs of age weighing 107 kgs and I regularly walk which helps in maintaining my weight but im unable to reduce belly fats. I walk approx 4 kms daily within 30 minutes .
Ans: Thank you for your inquiry. I appreciate your dedication to maintaining a consistent walking routine for weight management. However, if you're specifically aiming to reduce belly fat, it might be beneficial to incorporate additional methods into your regimen.

While walking is great for overall health and weight control, integrating strength training exercises can be instrumental in building muscle mass and boosting metabolism, thereby facilitating greater fat loss, including targeting belly fat. Incorporate exercises such as squats, lunges, push-ups, and abdominal workouts like crunches or planks.

To enhance the effectiveness of your walking routine, consider adding intervals of higher intensity. This might entail alternating between periods of brisk walking and intervals of more vigorous effort, such as walking uphill or increasing your pace to a jog for brief durations. This approach can elevate calorie expenditure and promote fat burning.

In terms of nutrition, it's crucial to pay close attention to your dietary habits, as they significantly impact fat loss. Prioritize a well-rounded diet rich in whole foods such as fruits, vegetables, lean proteins, and whole grains, while minimizing intake of processed foods, sugary beverages, and excessive calories, which can contribute to belly fat accumulation. Additionally, consider reducing carbohydrate intake and increasing protein consumption in consultation with a registered dietitian for personalized guidance.

Overall, by incorporating these strategies alongside your walking routine, you can optimize your efforts towards reducing belly fat and improving overall health.
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Asked by Anonymous - Mar 28, 2024Hindi
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I am 65 years old and have history of sleeplessness and on tranquilizers. about two years back, it got so bad that one night I wanted to end it all. fortunately my wife was around and calmed me down. We saw a psychiatrist the next day and she put me on anti depressants. Since then I am sleeping well. But the fear is I feel I will not sleep without medication. Is it okay to take this medication life long. Is there a way I can go to sleep without medication like everybody else? allthough I am a diabetic my general health is good as I take part in endurance running and related activities.
Ans: Dear Anonymous,
You need medicines to sleep and now you worry that without that you worry that you won't sleep. That's how these medicines can be...make you dependent on them...
The better choice will be to grow out of them...any kind of dependence of anything or anyone is never healthy.
Speak with your doctor and state that you do not want to be dependent on medicines for something as natural as sleep...He/She will suggest ways to wean you off from the medicines and also hoping that they put you on some holistic treatment like meditation or other any alternative therapies that are known to eliminate the source of sleeplessness in you.
Be patient with this line of treatment as it will take time to identify the root of the problem but once it is found, it becomes easy to treat it once and for all hopefully taking you off medicines fully someday.
Kindly explore this option as this will help you to take charge of your life and sleep as well.

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