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

d) Execution of all Compliances and Audits.

e) Structured Way of Creating Wealth

 We are Educators and Facilitators to Business Owners on the above subjects. We have a 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 a type of Mutual fund , as Employee Welfare Benefits . This amount can be treated as Business Expenditure, under Sec 37 (1) of the IT Act.

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

• Trade Credit Insurance

To manage the Receivables and Expand your business, with great peace. We empower Business Owners to scale-up their business , while we work at the background , ensuring that your money is not blocked; both nationally and globally.

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.

Systems are sets of processes, people, technologies, and interfaces that come together to create a system within your business.

Most SMEs have disparate systems ,which are not connected with various departments. The processes are, also, decided at the department level for their convenience.

In fact, systems and processes are the primary items to be set up, before we go into other business aspects.

This will determine the extent of profits.

Our role is to study current systems and suggest suitable changes, wherever required.

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) , 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.

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.