Strategic Financial & Management Consultants

We make mid-sized
companies bankable. investor-ready. capital-efficient.

Most small and mid-sized companies never build the in-house bench to run banking, treasury and capital properly. Samastha becomes that bench — improving investability, cutting reliance on collateral and putting seasoned bankers on your side of the table.

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15+

Clients across locations

₹700 Cr+

Debt under management

14+

Banks & financial institutions managed

₹600 Cr+

Forex under management

The gap we close

Banks and balance sheets
speak different languages.

Financials are usually built to be tax-friendly, not investor-friendly — so access to capital shrinks and collateral demands grow. We sit between the two and fix the translation.

Where it breaks

The usual position

Banking handed to the accounts team as an extra duty
Tax-optimised financials that read poorly to a credit committee
Limits that no longer match how the business actually trades
Collateral stretched further with every new facility
Promoter bandwidth consumed by lender follow-ups

What changes

With Samastha alongside

Investability first — the balance sheet is worked on, not just reported
Right-sized limits — structured around receivables, inventory and payables
Less collateral — root causes resolved instead of secured around
One point of contact — every lender relationship managed by us
Promoters freed — back to operations, product and growth

What we serve

Five mandates, one desk.

Take them individually or as a full outsourced finance function — the packages are modular.

Corporate Debt & Treasury Management

Covenant tracking, compliance and negotiation for a best-in-market cost of debt — plus day-to-day lender relationship management.

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Financial Statement Strengthening

Balance-sheet review, investor-readiness recommendations and structured monitoring of performance against plan.

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Capital Raising

Investor-ready models and bank/NBFC negotiations, with support across raising, deployment and post-sanction compliance.

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Foreign Exchange Management

Rate negotiation, trade execution and hedging strategies calibrated to your exposure and to market conditions.

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Consulting CFO Services

Strategic guidance on capital allocation, risk, liquidity and long-term value creation — without a full-time CFO hire.

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Not sure which one you need?

A short diagnostic call is usually enough to identify where the capital is leaking.

Talk to us

Why Samastha

India’s trusted financial advisor for the mid-market.

Seasoned bankers, chartered accountants and cost accountants — present with you at every step, not parachuting in for a transaction.

Meet the team

Smarter than a full-time hire

Expert financial support at a fraction of the cost of building an in-house finance team.

Depth across industries and banks

Multi-sector and multi-lender experience, applied to strategic, compliant, growth-focused advice.

Modular, flexible packages

Pick treasury, debt or capital advisory separately — or the whole function. Scale it as you grow.

Promoter bandwidth, returned

We absorb the financial complexity so leadership stays on operations, innovation and scale.

Approach & Mission

Present, proactive, and on your side of the table.

Our approach

Businesses shouldn’t just become investment-ready — they should be equipped to build lasting relationships with financial institutions. We act as a single point of solution for corporate finance: present, proactive and committed to resolving issues with best practice.

Our mission

To seamlessly connect corporates and banks — facilitating financial and non-financial transactions with a single focus: benefiting the corporate customer.

Who we are

Seasoned people, not a panel of names.

Bankers, chartered accountants and cost accountants with a blended experience of more than 20 years.

Founder

Dharmendra Dhanjani

Chartered Accountant and career banker across Bank of Baroda, Axis Bank and Citibank. Last served as VP & Regional Head, Pune (MEG) at Axis Bank.

13+ yrs banking

Co-founder

Pranav Gadgil

Corporate finance, credit administration and SME lending — with a track record in structuring corporate loans and trade finance operations.

15+ yrs banking

Senior Analyst

Shilpa Patankar

Cost Accountant specialising in fund raising, credit analysis and financial modelling across infrastructure, EPC, real estate and shipping.

23+ yrs finance