Finance & Subsidy Navigation for Farm Managers. Parameters For Evaluation 5/14

Estimates often way off. Like a tailor quoting ₹500 but billing ₹2000 at delivery.

Estimates somewhat close, but overruns frequent. Like ordering a thali but being charged for extra papad, achar, water bottle.

Estimates usually accurate within 10–15%. Like restaurant bills matching menu prices with small service charge.

Estimates highly accurate with contingencies included. Like airlines quoting fare with taxes and baggage included—no surprise.

No transparency; clients don’t know vendor rates. Like eating at a dhaba where prices are not on menu.

Share costs informally, not with bills. Like saying “sabzi 100 ki aayi” but showing no receipt.

Bills and receipts shared regularly. Like getting itemized bills at a supermarket.

Full open-book system with vendor bills and comparative quotes. Like e-commerce showing base price, discount, delivery, and tax separately.

No knowledge, client has to manage themselves. Like being lost in a government office without a peon’s help.

Basic awareness, can share scheme names. Like telling someone which window in govt office to go, but not accompanying.

Actively help with forms, deadlines, and processes. Like a consultant walking with you from counter to counter.

Expert in subsidy execution—paperwork, follow-ups, audit compliance. Like a CA who ensures refund comes in your bank.

No structured handling; spend as funds come. Like a student spending pocket money on impulse.

Some budgeting, but frequent shortfalls. Like monthly expenses always running out by 20th.

Working capital monitored with planned cycles. Like a shopkeeper who ensures cash for stock refill.

Professional investment budgeting with reserves and rolling forecasts. Like a CFO managing corporate treasury.

No connections; clients must run pillar-to-post. Like standing in bank queue without contacts.

Some local contacts, limited influence. Like knowing one peon in the office.

Strong bank/department contacts, can fast-track processes. Like knowing the branch manager personally.

Formal tie-ups with banks/NABARD/financial agencies. Like a builder having MoUs with home-loan providers.

No ROI models. Like saying “sabzi bech ke paisa ban jaayega” without figures.

Rough numbers, no structured model. Like guessing “shayad ₹50k bachega” without math.

ROI projections with assumptions explained. Like showing Excel sheet with cost, sales, and margin.

Full profitability models with scenarios (best, average, worst). Like an investor pitch deck.

No support; clients handle on their own. Like sending a student to college with no admission help.

Basic guidance, some references. Like telling which college is good, but no admission help.

Full loan facilitation—documents, meetings, approvals. Like an education agent helping complete admission process.

Loan + repayment structuring + refinancing guidance. Like a financial planner guiding EMIs and scholarships.

Only client funds, no personal risk. Like a cook who never tastes his own food.

Occasionally share small expenses. Like a host buying snacks but asking guests to bring drinks.

Match funds where possible, disciplined spend tracking. Like friends equally splitting the dinner bill.

Co-invest significantly + strict discipline. Like a startup founder investing his own savings first.

No subsidy mapping, client’s headache. Like not even knowing if ration card gives free dal.

Share subsidy names, client runs behind paperwork. Like telling “ration free milta hai” but not guiding which shop.

Do mapping + paperwork assistance. Like filling ration forms and guiding to right shop.

End-to-end execution, milestone tracking, subsidy credited. Like not only filling ration form but ensuring free dal comes home.

No documents, not credit ready. Like asking for a loan without even a salary slip.

Some documents (basic DPRs). Like showing ID proof but no income proof.

Complete CMA data, DPRs, balance sheets. Like applying for loan with full file.

Banker-ready package + good relations. Like premium clients pre-approved for loans.

No advance collection, always wait till sale. Like a shopkeeper selling only on cash, no credit.

Sometimes take buyer advance informally. Like borrowing from friends before salary day.

Regular buyer advances, input credit lines. Like using credit card wisely to bridge gaps.

Structured system—advances, invoice discounting, WC lines. Like corporates using OD/CC accounts for smooth operations.