M V Narayan, Director, NK Consultants has been working with Individuals and Corporates in the field of Consultancy and Financial Planning, since last 35 years. 

Our mission is to empower people to build long-term Recurring income for Business and Family. To this extent, we work on different Business and Financial Requirements and curate Solutions.

Currently, specializing in :

a) Profit before Tax management for increased Cash Flow

b) Trade Finance for Imports and Exports

c) Trade Credit Insurance for supply of goods and services

d) Execution of all Compliances ,Audits and Governance.

e) Structured Way of Creating Wealth though new Investment Strategies

f) Global Business Expansion across globe

g) AI-based tools for specialized applications like Safety Management and Workers training on Safety

 We are Educators and Facilitators to Business Owners on the above subjects. We have Expert Teams of Lawyers, CAs, Advisors- Business / Finance, IT experts and Strategic Planners. 

This plays an important role in risk mitigation and wealth growth. Our focus areas, include:

Profit before Tax Management

Companies pay Corporate Tax (25% / 30%) as well as Founders have their Income Tax.

We have tools to defer Corporate Tax for a long period, and the amount of deferred tax can be invested in Funds - Debt / Equity , as Employee Welfare Benefits . This amount can be treated as Business Expenditure, under Sec 34 (1) of the IT Act. The concept is called Employer-Employee Insurance

Businesses can use the amount of Tax deferred to create funds, which at a later stage can be utilized for Business Expansion , Legacy Planning. etc

For global trade - Imports and Exports .

• For Imports, our Import Finance solution allows buyers to pay suppliers upfront, while benefiting from a credit period of up to 90 days.

• For Exports, we offer collateral-free working capital to help exporters maintain liquidity.

Click here to view/download the full PDF.

We have experts who take up, all kinds of Compliance and Audit process Execution. They identify various compliances done so far, the risks so far and make organization take steps to comply. They also, educate stakeholders on the compliance benefits.

Examples of work taken up, are:

• The New Labor Law

To facilitate Ease of Doing Business ,the new Labor Codes were launched by Central Govt. in November 2025. This involves Industry making effective changes in their Wages System , which needs to be Compliant. My partners are capable of understanding and implementing the same across MSMEs.

The process involves Building Awareness, Payroll Structure Assistance, Compliance Implementation and Legal Compliance Audit.

• Data Personal Digital Protection Act 2023.

It recognizes the rights of individuals to protect their personal data. We will have to process the personal data , for lawful purposes ,only. Penalties are huge.

 Our AI tools are meant to Prevent Incidents , Detect Violations and Act Faster . Our system monitors:

1. Personal Protective Equipment ( PPE) , Unsafe area, Fall of human
2. Fire and Smoke
3. Work at Height
4. Blocked Emergency Exit
5. Vehicle Speed & Number plate
6. Forklift & Vehicle Safety
7. Safety Violations
8. Spill / Hazard Detection
9. Restricted Zones
10. Loading & Warehouse Safety

The process is from CCTV Footage to Actionable MIS

On a personal level, other than traditional investments; we encourage Business Owners to invest in Specialized Investment Funds ,instituted by SEBI recently. Some of the funds include India's Infrastructure Funds ( InViTs) , or Real Estate Investment Funds (REITs), where you get consistent income for 10-12 years, giving 12% annual yield.

Here, the minimum investment is Rs 10 lakhs. One can expect a Return of 10-11% on a structured debt alongwith Capital Protection.

Business Owners who remit Surplus money in banks would do well to invest in such funds , even for couple of days, without lock-in.

One can, also, invest in funds via GIFT CITY where investment is in Rupees , that is converted into Dollars. You earn in $. Investments get diversified in countries like US, Europe, Taiwan, Korea, China. Minimum Investment is $5000.

TCI protects businesses against buyer non-payment arising insolvency, default or political risk in international trade.

By covering these risks,TCI enables companies to extend credit with confidence, protect cash flow and ensure business continuity, even if the buyer defaults.

How we can help

1. Expand Safely
2. Protect Profitability
3. Know your buyers
4. Reduce Dependency Risk
5. Stay Competitive

If you wish to export, we can offer our services especially to countries in South Asia - Nepal, China, Sri Lanka, Taiwan, Vietnam, Malaysia and nearby countries.

Launching your product in a new country is a pivotal step towards global expansion, and we specialize in guiding businesses through this process ,with our tailored packages designed for success. Our comprehensive services cover every aspect of the international product launch journey. This includes- 1) In-depth market research and analysis to understanding local consumer behavior in various global markets,

2) market trends, and competition, thereby laying a solid foundation for your market entry strategy. 

3) Supply-chain Management - understanding Global logistics and Cost Optimization

4) Financial & Risk Management - Currency fluctuations and Negotiating payment terms

5) Marketing & Sales Strategies - We develop strategies and channel partners, depending on the market and country.

6) Legal & Regulatory Compliance - Understanding Customs, Import / Export Laws

For the Manufacturing sector, there will be a Technical and Special focus,on:

1. Business Strategies for Marketing, Supply-Chain Management.
2. Process Improvement - the 5S quality systems
3. Work Safety - Safety , Health and Environment safety awareness and audits
4. ZED Consultancy - Zero Defect and Zero Effect on Environment