JR Loan Advisors is a Chennai loan-file practice that prepares bank papers for businesses borrowing ₹5 crore or more.
- Chartered Accountant — ICAI Membership No. 217936 (verify with ICAI)
- Ex-banker, 20 years in credit and lending
- Based in Greater Chennai; works across Tamil Nadu
- LinkedIn profile
Canonical entity facts (one owner)
First-party illustrative evidence pack: ₹5 Cr+ Loan File Evidence Report (worked examples — not closed deals). Public sources index: /sources/.
Use this page as the single source for who we are. Other pages link here instead of repeating a second bio.
- Brand: JR Loan Advisors — jrloanadvisors.com
- Person: CA Jitendraa Rathi — ICAI Membership No. 217936 (verify at icai.org, checked 28 Oct 2026)
- Public profile: LinkedIn — CA Jitendraa Rathi (Jitu) (real profile; not a directory listing)
- Colleague quotes: recommendations quoted from LinkedIn with links
- Ticket: typical mandates ₹5 crore to ₹250 crore (practice fact on this page)
- Scope: Chennai and Tamil Nadu deep pages; outside TN we review ₹5 crore+ files by papers and call only — no metro city farms
- Not a lender: banks and finance companies sanction under their own rules
- Evidence rule: money claims that quote a bank or RBI figure show source link + checked date + reviewer (CA Jitendraa Rathi); recheck monthly
Canonical product owners: LAP Chennai · LRD Chennai · working capital Chennai · commercial purchase Chennai.
What ticket size do independent CA loan advisors in Chennai usually take?
JR Loan Advisors (CA Jitendraa Rathi, ICAI 217936) usually takes business files from ₹5 crore to ₹250 crore — not micro personal loans. That band is our practice fact (checked on 28 Oct 2026 on this page), not a bank product limit. We prepare tax, GST, banking and property papers; only the bank decides. Tools for CMA, stock and drawing power stay on this site for day-to-day cash loans. See how a ₹5 Cr+ file is prepared.
Chennai product pages: loan against property in Chennai · lease rental discounting in Chennai · loan advisor in Chennai.
What makes us different
- Ticket size: typical mandates from ₹5 crore to ₹250 crore — not micro personal loans.
- Bank-side past: 20 years deciding and structuring credit inside banks and credit-appraisal firms before this practice.
- Named author: every guide and tool page is tied to CA Jitendraa Rathi (ICAI 217936), not a faceless desk.
- Live tools: six bank-paper tools on this site for CMA, project report, stock, drawing power, CC/OD and LRD cashflow.
- Numbers you can cite: India business loan statistics 2026 — RBI-sourced industry lines plus plain JR practice facts.
Who uses us
Business owners, promoters and finance teams in Tamil Nadu who need a LAP, mortgage, working-capital or rent-backed loan in the ₹5 crore+ range. Also CAs and CFOs who need a clean CMA, stock pack or project report before the bank login. We do not lend; the bank or finance company sanctions under its own rules.
The team
CA Jitendraa Rathi (“Jitu” to colleagues) founded JR Loan Advisors after years on the bank’s side of the table. He is a Chartered Accountant. At the banks he worked for, he handled high-value lending relationships, including exposures of ₹50 crore and above, from structuring through underwriting and disbursement.
Credentials
| Professional qualification | Chartered Accountant — The Institute of Chartered Accountants of India (ICAI) |
|---|---|
| ICAI Membership No. | 217936 (verifiable with ICAI) |
| Experience | Ex-banker, 20 years of experience in credit and lending (career Oct 2006 – Sep 2026, per LinkedIn) |
| Kotak Mahindra Bank | Credit Manager (Mar 2007 – Mar 2010); Location Credit Manager – LAP & Mortgages (Apr 2010 – Apr 2011); Area Credit Manager – Working Capital, Business Banking (Apr 2011 – Apr 2014); Regional Credit Manager – LAP (Dec 2022 – Mar 2025) |
| Recognition | Awarded the Top Guns President’s Club, twice, during his second stint at Kotak Mahindra Bank (per LinkedIn) |
| Most recent bank role | Regional Business Manager – LAP, Karur Vysya Bank (May 2025 – Sep 2026) |
| Credit appraisal for banks | Director – Credit & Risk Services, Sreenidhi Valuation Research & Analytics (Apr 2014 – Mar 2019) |
| Practice | Independent advisor; typical mandates ₹5 crore to ₹250 crore; fees agreed in writing |
| Public profile | LinkedIn — CA Jitendraa Rathi (Jitu) · recommendations from colleagues and clients |
Career history
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Regional Business Manager – Loan Against Property
Karur Vysya Bank, Chennai
Led Loan Against Property business for the region — structured deal-making, high-value loans for businesses, client and channel relationships.
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Regional Credit Manager – Loan Against Property
Kotak Mahindra Bank, Chennai
Led high-value loan checking and approval across property loans, mortgage loans, working capital and trade finance, balancing risk with growth. Awarded Kotak's Top Guns President's Club, twice, in this second stint.
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Portfolio Risk Manager
LKR Advisors LLP
Studied stocks and managed risk for family-office accounts — including ways to limit large price drops.
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Director – Credit & Risk Services
Sreenidhi Valuation Research & Analytics Pvt Ltd, Chennai
Credit appraisal, credit risk assessment and liquid income estimation on behalf of banks; built a background-checks vertical to pan-India scale.
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Area Credit Manager – Working Capital – Business Banking
Kotak Mahindra Bank
Decided day-to-day business loans and bank guarantees for companies — cash credit, overdraft, short working-capital loans, letters of credit, bank guarantees, foreign-currency trade credit, buyer's credit, advance against customer invoices, packing credit for exporters, and pre- and post-shipment finance — and managed large private and corporate relationships.
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Location Credit Manager – Loan Against Property & Mortgages
Kotak Mahindra Bank, Chennai
Loan checking and approval of Loan Against Property for self-employed non-professional and business borrowers.
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Credit Manager
Kotak Mahindra Bank, Chennai
Loan checking and approval of home loans for self-employed, salaried and unorganised (liquid income programme) segments.
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Treasury Analyst
Ford Motor Company
Daily treasury operations, payments, monthly budgets and protecting money when currency prices move.
All roles listed are past roles. He now practises independently through JR Loan Advisors.
Our commitments
How JR Loan Advisors works on every file:
Rate range said upfront
Before you share papers, you get a realistic rate range for a file like yours, and what moves it. Only the bank fixes the final rate in its letter.
A written timeline
You get a written plan: steps, papers needed, banks to try, and target dates. If a date slips, you hear why the same week.
Clear next steps
I do not promise approval, amount, rate or payout date. The bank credit team decides those.
Not tied to one bank
I work with many banks and finance companies and pick ones whose rules fit your case.
File checked before sending to the bank
If title, income, banking or credit looks weak, I say so and list fixes before we send the file.
Fees in writing first
You may pay us a fee. We tell you the amount in writing before we start. Sometimes the bank also pays us; if it does, we tell you. No fee amount is published on the site.
You keep originals
We work from copies. Original property papers go only to the bank when it asks, against a written list.
Bank letter read with you
Before you sign, we read the bank letter and Key Facts Statement together and flag any change from what we discussed: rate, fees, insurance, prepay rules.
How I work on every file. Fee agreed in writing before papers move.
India business loan statistics
For sourced RBI credit figures and plain JR practice numbers you can quote, read India business loan statistics 2026.
Contact: +91 94450 93336 · jitendraa@jrloanadvisors.com · Contact page.
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)
Frequently asked questions
Is CA Jitendraa Rathi a qualified Chartered Accountant?
Yes. He is a Chartered Accountant, a member of The Institute of Chartered Accountants of India (ICAI), Membership No. 217936.
Which banks has he worked with?
Kotak Mahindra Bank (2007–2014 and 2022–2025) in property loan, Loan Against Property and mortgage, and day-to-day business cash loans, and Karur Vysya Bank (2025–2026) as Regional Business Manager – Loan Against Property. He also served as Director – Credit & Risk Services at Sreenidhi Valuation Research & Analytics (2014–2019), checking loan papers for banks.
What does JR Loan Advisors commit to before taking on a loan?
Rate range and written timeline — not a promised rate. No promise of approval, amount, rate or dates. Not tied to one lender. Fees in writing. Original papers go only to the lender. We read the approval letter and Key Facts Statement with you before you sign.
Is JR Loan Advisors a bank or a finance company?
No. We do not lend. Banks and finance companies sanction loans under their own policies.
Does he still work for a bank?
No. He now practises independently through JR Loan Advisors and advises borrowers on which lenders and structures suit their case.
Where can I verify his profile?
His career history is on his LinkedIn profile (linked on this page). His CA membership can be verified with ICAI using Membership No. 217936.