About us

We are a leading capital advisory firm delivering independent, high-quality strategic and financial advice to businesses

Trust and Integrity

Our business depends on our customers comprehending, embracing, and choosing to abide by our standards, industry rules, and ethical and moral principles.

Speed and Quality

To achieve customer success, we operate with ultimate accuracy and vigilance. Our streamlined processes ensure adequate compliance and risk management.

Clients Centric

SJ Associates was built around a simple idea - put the clients first. Our dedication to each relationship with a client allows us to create solutions specifically focused on their needs. Our clients are the reason we are in business.

Debt Syndication Advisory

We are a leading capital advisory firm delivering independent, high-quality strategic and financial advice to corporates from different domains. Founded in 2009, SJ Associates has grown in scale and diversity to empower its clients' financial decisions.

With over 65 years years of combined experience, we have created services that are highly customized to meet the needs of our clients'. Our experience and advisory has helped many clients to acquire tremendous growth in a short time.

Leading Corporates Through Integrity and Transparency

At SJ Associates, our endeavors are guided by our core principles, which are built on mutual trust and respect. We are dedicated to providing our clients with transparent services and assisting them in achieving tangible outcomes.

Structured Finance Advisory

Project Finance Advisory

Working Capital Advisory

Promoter Finance

Structured Finance Advisory

Project Finance Advisory

Working Capital Advisory

Promoter Finance

Our Team

Shyamal Joshi
Shyamal JoshiFounder & Director
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Shrinjay Joshi
Shrinjay JoshiDirector
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Offering First-Grade Financial Consultancy Since Inception

65+ Years Of Expertise In Strategic Financial Consulting

SJ Associates provides an array of financial services to mid and large size corporates. Timely disbursals help you navigate various challenges, changes, and opportunities smoothly. We work together to develop deep insights and identify big-picture ideas for our clients. With the strong domain expertise and hands-on experience of our founding partners, you get personalized advice for business growth.

Our Approach

We concentrate on your financial goals and your desires for your wealth. Our four core services cover all areas of financial advisory and lending, to give you a complete, rounded service under one roof.

Our Team

The financial advisory team at SJ Associates is composed of seasoned partners who provide practical, independent, and impartial guidance. They are supported by a wider team with a stellar track record investment banking.

Our Positioning

We work hand in hand with our clients to raise financing for the most challenging projects in an array of industries. Our expertise in a range of sectors comes from our years of working in diverse markets.

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SJ Associates

Tailored Solutions That Meet Your Corporate Financial Goals

Our goal is to provide the most efficient and effective financing options for our clients, so they can focus on growing their businesses and achieving their goals.

Get In Touch For More Information On Project And Structured Finance.

We will listen closely to you, challenge you where appropriate, and work collaboratively with your team to deliver and implement bespoke financial solutions.

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SJ Associates

Tailored Solutions That Meet Your Corporate Financial Goals

As a responsible advisory, we keep sustainability at the heart of everything we do. We take account of the social and environmental impacts stemming from our financing solutions and continuously seek to adapt our approach.

Get In Touch For More Information On Project And Structured Finance.

We will listen closely to you, challenge you where appropriate, and work collaboratively with your team to deliver and implement bespoke financial solutions.

Mr. Shyamal S. Joshi, Chartered Accountant by profession, founded SJ Associates in 2009. With nearly five decades of wealthy experience in corporate strategy, corporate finance, fund raising portfolio monitoring, Mergers & Acquisition, Corporate Restructuring and managing several exists from listed and unlisted companies.

He had also worked with Eimco Elecon India Limited for 17 years as General Manager – Commercial. Eimco Elecon India Limited holds 95% market share in manufacturing underground mining machines. He successfully managed IPO for the company, amplified capital available for business from Rs. 0.75 million to Rs. 175 million by gaining investor confidence and through optimum capital raised.

Prior to 2009, Mr. Shyamal Joshi had an illustrious career at Adani Enterprise over 16 years as director in group of companies, anticipated and managed capital requirement of ambitious promoters of a rapidly growing trading firm. From Rs. 1.8 Billion Turn Over and Rs. 145 million credit facilities in 1993, facilitated the group to achieve a turnover of Rs. 20 Billion and Rs. 5 billion as credit limit.

Currently, Mr. Shyamal Joshi serves as an Independent Director in Adani group of companies.

Mr. Shrinjay Joshi is a business advisor specializing in structured debt advisory for growing companies. He helps his clients gain a competitive advantage by arranging financing that is tailored to the particular needs of the company. He draws on his extensive experience in banking to help clients overcome the challenges they face when trying to arrange financing for their businesses. He has particular expertise in helping companies develop appropriate financing strategies and preparing business plans.

He had worked for more than four years with Standard Chartered Bank as Relationship Manager to High Net -Worth Individuals. During his stint at the bank he worked in various roles from wealth manager to personalize banker to a relationship manager for the large relationships of the bank.

He had also worked for an year as Head Business Development for Knowledge Academy – an initiative by Lalbhai group. Lead a team in setting up of all the courses offered at the finance academy.