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OUR SERVICE

OUR SERVICES

EDUCATION CONSULTANCY

About DRA

        The Debt Recovery sector is growing by leaps and bounds every year and there is an acute shortage of Certified DRAs in the country.Reserve Bank of                  India  (RBI) has informed the Indian Banks’ Association to formulate, in deliberation with the Indian Institute of Banking and Finance (IIBF), a certificate              course for Debt Recovery Agents who have undergone 100 / 50 hours of training. Sanma International offers online training in all of the countries regional          languages. improvement in functional competency of the candidates The online training of sanma international is more focused on skill development                and  specific.

Why Sanma International ?

        Sanma international Education Consultancy has been empowering thousands of aspirants to fulfil their dreams of an international education and                        career.we are fully equipped to give training for Debt Recovery Agent As Per the Specifications Envisaged by RBI,IBA&IIBF. Our online DRA coaching in all            languages English, Hindi, Marathi, Bengali, Oriya, Telugu, Kannada, Tamil, Malayalam which made our Learning platform to spread to all locations of India          We are Focus on soft skill development and improvement of functional competency of DRAs and the duration of 100 or 50 hours will be distributed in the          following ratio.

What is DRA?

        A Debt Recovery Agent (DRA) is an individual or an entity hired by a lender or financial institution to recover unpaid debts from borrowers who have                      defaulted on their loans or credit obligations. DRAs are tasked with contacting debtors, negotiating repayment terms, and taking appropriate legal actions          if necessary to recover the outstanding debts on behalf of the creditor These agents may work directly for the lender or may be hired as third-party                      collection agencies Their primary goal is to recover as much of the outstanding debt as possible while adhering to legal and ethical guidelines governing            debt collection practices.

What is a dra certificate?

        Banks and other lending institutions appoint debt recovery agents as their representatives to collect pending debts and outstanding balances from                      borrowers. The Reserve Bank of India (RBI) has made it compulsory for all recovery and collection agents to complete the debt recovery agent (DRA)                  certification.

Who is a Recovery Agent ?

        Debt Recovery Agents are responsible for collecting specified loans, or advances, or other kinds of debts from the debtors (or borrowers) following some          rules. The debt Recovery Agent’s role embodies professionalism & customer service. They work either on behalf of the bank to which the money is owed            or as a part of collection agencies.

What is the qualification for DRA?

        The eligibility criteria for the Debt Recovery Agent (DRA) Exam conducted by the Indian Institute of Banking & Finance (IIBF) are as follows: Educational              qualification: Minimum of 10+2 or higher from a recognized board or university. Age: Must have completed 18 years of age on the date of application for            training. Applicant has to submit the following attested copies of the documents, Proof of educational qualifications, Age proof, Address proof, Original              training completion certificate

ROAD SAFETY

As one of the Best service providers in India, we are dedicated to enhancing road safety through a wide range of professional services designed to save lives, reduce accident rates, and improve overall road security. Our comprehensive approach integrates cutting-edge technology, expert assessments, and proactive measures to ensure safer driving experiences for individuals, businesses, and communities alike

Our Road Safety Services Include:

  1. Road Safety Audits:
              We carry out thorough audits of road infrastructure in order to spot possible risks, assess traffic flow, and suggest changes that would increase                        everyone’s safety.

  2. Traffic Management Solutions:
               Our professionals create and put into place effective traffic management solutions that maximise flow, lessen traffic, and lower the chance of                           collisions.

  3. Driver Training Programs:
               We provide drivers specialist training programs that focus on defensive driving techniques, hazard perception, and safe driving habits in an effort to               promote responsible driving.

  4. Road Infrastructure Assessments:
               To guarantee adherence to safety standards and laws, our staff assesses lighting, signage, road conditions, and other vital infrastructure.

  5. Emergency Response Planning:
               We create thorough emergency response plans for traffic accidents, assisting organisations in becoming ready to act swiftly and efficiently in the                     event of an accident or other traffic disaster.

  6. Advanced Safety Technologies:
               To improve road safety measures, we incorporate state-of-the-art technologies including automatic car safety features, intelligent traffic systems,                   and real-time monitoring tools.

  7. Consultation & Compliance:
               We assist companies, municipalities, and government organizations in adhering to national and international safety requirements by offering                            professional advice on traffic safety laws.

FINANCIAL SERVICES

As one of the Best service providers in India, we are committed to enhancing road safety by offering a variety of expert services focused on saving lives, reducing accident rates, and strengthening overall road security. Our comprehensive approach combines modern technology, professional evaluations, and preventive measures to make driving safer for individuals, businesses, and communities

Our Financial Services Include:

  1. Investment Advisory:
         We provide individualised investment plans based on your market conditions, risk tolerance, and financial goals. To optimise profits, our professionals            help you navigate stocks, bonds, mutual funds, and other investment alternatives.

  2. Wealth Management:
         You can efficiently build, safeguard, and manage your assets with our all-encompassing approach to wealth management. To safeguard your financial           future, we offer retirement planning services, tax solutions, and estate planning.

  3. Financial Planning:
         Whether you’re managing your daily money, saving for a big purchase, or planning for retirement, our financial planning services assist you in creating a         clear path to success.

  4. Insurance Solutions:
         To shield you and your assets against unanticipated circumstances, we provide a broad selection of insurance products, such as business, health, life,           and vehicle insurance.

  5. Business Financial Consulting:
         In order to maximise financial performance and growth, we assist firms with capital planning, risk management, financial analysis, and budgeting.

  6. Loan and Credit Services:
         To satisfy your financial needs, our professionals help you obtain credit lines, personal and business loans, and debt management programs.

  7. Taxation and Compliance:
         Our tax planning and compliance services optimise your tax liabilities while making sure you comply with all legal requirements.

TOUR PACKAGE

As one of the Best service providers in India, we specialize in creating unforgettable travel experiences through our carefully curated vacation packages. Whether you’re looking for relaxation, adventure, cultural exploration, or family fun, we offer a wide range of travel options tailored to every type of traveler. Our goal is to make your journey smooth, enjoyable, and truly memorable from start to finish

Our Tour Packages Include:

  1. Domestic Tours:
          With our personalized domestic trip packages, discover the splendor of your own nation. We create experiences that highlight the best of your local               locations, whether it’s cultural city excursions or picturesque road vacations.

  2. International Tours:
           Use our foreign travel packages to explore new nations and cultures. We take care of all the details so you can concentrate on creating memories,                   whether it’s an adventure-filled vacation, a historical tour, or a tropical retreat.

  3. Adventure Tours:
           We provide adventure excursions for thrill-seekers that include safari expeditions, scuba diving, trekking, and other pursuits. Take in some of the most            breathtaking scenery on earth while experiencing the thrill of excitement.

  4. Luxury & Honeymoon Packages:
            Savor luxury with one of our upscale honeymoon and couple’s holiday packages. For a private and unforgettable vacation, take advantage of                          exclusive  services, exclusive resorts, and romantic getaways.

  5. Family & Group Tours:
            We provide group and family-friendly vacation packages for people of all ages. Our itinerary, lodgings, and activities are all planned to make everyone              comfortable and entertained.

  6. Cultural & Heritage Tours:
            With our cultural trips, you may fully immerse yourself in the rich history and customs of many locales. Explore historic sites, neighborhood                                marketplaces, and take in the real food and traditions.

  7. Corporate & MICE Tours:
            We provide smooth logistics for meetings, incentive schemes, and company retreats, guaranteeing successful and pleasurable business travel                        experiences.

EXPORT AND IMPORT

“As one of the Best service providers in India, we specialize in offering comprehensive export and import services that help businesses efficiently navigate the complexities of international trade. With expertise in every aspect of the global supply chain—from sourcing and logistics to customs clearance and regulatory compliance—we are dedicated to supporting business growth, enabling access to global markets, and driving international success.

Our Export and Import Services Include:

  1. Global Trade Consulting:
          To assist companies in growing internationally, we offer professional guidance on market research, international trade laws, and strategic planning.

  2. Sourcing and Procurement:
          Our staff assists you in locating trustworthy manufacturers and suppliers, guaranteeing the caliber and affordability of goods for import or export.

  3. Logistics and Supply Chain Management:
          To guarantee the prompt and safe delivery of goods, we oversee the entire logistics process, which includes distribution, transportation, and                               warehousing.

  4. Customs Clearance and Compliance:
           In order to guarantee that your shipments fulfil international standards and prevent delays, we manage all customs procedures, documentation, and               compliance needs.

  5. Documentation Services:
           We prepare all the paperwork required for seamless transactions, from shipping documents and certifications of origin to business invoices and                     packing lists.

  6. Freight Forwarding:
           We provide adaptable solutions catered to your unique transportation requirements by coordinating land, sea, and air freight services.

  7. Risk Management and Insurance:
           We offer insurance alternatives to safeguard your items during transit and offer advice on risk assessment.

  8. Trade Finance Solutions:
           Through trade finance, payment solutions, and letters of credit, our financial services enable safe international transactions.

HOUSE KEEPING AND INTERIOR DESIGN

As one of the Best service providers in India, we specialize in delivering comprehensive export and import services that help businesses successfully and seamlessly navigate the complexities of international trade. With deep expertise across the entire global supply chain—from sourcing and logistics to customs clearance and regulatory compliance—we are committed to empowering businesses to expand, access international markets, and achieve lasting success abroad.

Housekeeping Services:

       Our skilled housekeeping staff makes sure your residence, workplace, or business is hygienic, well-maintained, and welcome. We offer:

  • Residential Cleaning:

           daily tasks, thorough cleaning, and hygienic living spaces, restrooms, and kitchens.

  • Commercial Cleaning: 

          tailored cleaning products to preserve a professional atmosphere in workplaces, shops, and industrial buildings.

  • Specialized Cleaning:

          High-touch area sanitation, post-construction cleanup, window washing, and carpet and upholstery cleaning.

  • Eco-Friendly Cleaning:

          sustainable methods for a healthier environment that use eco-friendly items.

 

Interior Design Services:

 

      Our skilled interior designers create stunning, useful areas that complement your own taste and improve your quality of life. We provide:

  • Space Planning:

          enhancing layouts to improve functionality and flow.

  • Design Consultation:

          individualized guidance on lighting, décor, furniture choices, and color palettes.

  • Residential & Commercial Design:

          introducing contemporary, useful, and beautiful designs into living and working areas.

  • Renovations & Makeovers:

          bringing rooms to life with creative design ideas.

  • Custom Furnishings & Décor:

          creating one-of-a-kind furnishings and décor to give your spaces personality.

CONSULTING SERVICES

As one of the Best service providers in India, we offer comprehensive consulting services designed to help businesses of all sizes achieve their goals, overcome challenges, and reach their full potential. Our expert consultants provide strategic guidance, innovative solutions, and hands-on support across a wide range of sectors, including technology, finance, business management, and more.

Our Consulting Services Include:

  1. Business Strategy Consulting:
           We help businesses develop and implement successful strategies to increase output, promote growth, and gain a competitive edge in the market.

  2. Financial Consulting:
          Our financial experts provide guidance on risk management, investment planning, budgeting, and financial analysis to optimize your financial                     performance.

  3. IT Consulting:
          We offer technological solutions like digital transformation, software deployment, cybersecurity strategies, and IT infrastructure planning that are            appropriate for your business’s needs.

  4. Marketing and Branding Consulting:
          Our marketing professionals assist with consumer engagement, market research, digital marketing strategies, and brand building to boost your                brand’s visibility and revenue.

  5. Human Resources Consulting:
          By supporting talent acquisition, employee training, performance management, and HR policy development, we help businesses build solid,                      productive  teams.

  6. Operations and Process Improvement:
          We analyze the operations of your business to identify inefficiencies and provide process improvements that increase productivity while reducing            costs.

  7. Legal and Compliance Consulting:
          Our legal experts provide advice on contract administration, risk reduction, and regulatory compliance to protect your business from legal problems.

  8. Project Management Consulting:
          We offer project planning, execution, and monitoring services to ensure your projects are finished to the highest standards, on time, and within                  budget.

SECOND HOME

As one of the Best service providers in India, we understand the importance of having a comfortable, safe, and convenient place to stay—especially for students and working professionals. Our ‘Second Home’ is a customizable housing solution designed to meet the unique needs of individuals seeking a hassle-free, secure, and welcoming living environment

What Is Second Home?

Second Home is more than simply a place to stay; it’s a supportive living environment where comfort and convenience coexist. Whether you’re a student seeking further education or a professional relocating for employment, we provide affordable, secure, and cosy accommodation alternatives that make you feel at home.

Our Accommodation Services Include:

  1. Fully Furnished Rooms:
          comfortable living areas furnished with modern conveniences, Wi-Fi, and necessary equipment for a hassle-free stay..

  2. Prime Locations:
          Our properties are ideally situated close to important facilities, commercial centres, educational institutions, and public transportation.

  3. Flexible Lease Terms:
          We provide a variety of rental choices to suit extended work contracts, academic semesters, and short-term visits.

  4. All-Inclusive Services:
          Included are housekeeping, maintenance, utilities, and round-the-clock security to provide a stress-free living environment.

  5. Community Living:
          Make connections with people who share your interests in a welcoming, secure, and encouraging setting that promotes a feeling of belonging.

  6. Personalized Support:
          Throughout your visit, our committed support staff is here to help with any questions or issues.

IT RELATED SERVICE

As one of the Best service providers in India, we offer a wide range of IT services tailored to meet the diverse needs of individuals and businesses in today’s rapidly evolving digital landscape. Our mission is to deliver innovative, reliable, and secure technology solutions that drive efficiency, productivity, and sustainable growth.

Our IT Services Include:

  1. IT Support and Maintenance:
          We provide round-the-clock technical support, troubleshooting, and system maintenance to ensure your IT infrastructure runs smoothly without                        disruptions.

  2. Network Solutions:
          We build strong networks that support your company’s activities, from network setup and configuration to security management and performance                  enhancement.

  3. Cybersecurity Services:
          With our all-inclusive cybersecurity solutions, which include threat analysis, firewall administration, antivirus protection, and data encryption, you can              safeguard your data and digital assets.

  4. Cloud Computing Services:
          With our scalable cloud solutions for data storage, backup, disaster recovery, and collaboration tools, we facilitate your cloud migration with ease.

  5. Software Development:
          Custom software solutions, such as enterprise software development, mobile apps, and web applications, are made to fit your company’s demands.

  6. IT Consulting and Strategy:
          Our IT consultants offer professional guidance on project implementation, digital transformation, IT infrastructure management, and technology                      strategy.

  7. Data Backup and Recovery:
          dependable disaster recovery plans and data backup solutions to guarantee that your important data is always safe and retrievable.

  8. Website Development and Hosting:
          We help businesses build a strong online presence by designing, developing, and hosting user-friendly, secure, and responsive websites.

  9. Digital Marketing Solutions:
          Use our SEO, social media marketing, content production, and pay-per-click advertising services to increase your online presence..

  10. Hardware and Software Solutions:
          acquiring, setting up, and maintaining IT software and hardware to satisfy your operating needs .We provide technical assistance, troubleshooting, and          system maintenance around-the-clock to ensure your IT infrastructure runs smoothly.

SANMA GROUP OF COMPANIES is based in Kochi and has six distinct business verticals spread over India. The Sanma Group’s primary business operations include the manufacture, distribution, wholesale, retail, and trading of jewellery made of gold, silver, and diamonds; consulting; land development and construction across India; importing and exporting consumer goods and materials; setting up traffic signals; and trading and distributing a wide range of goods.

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