Our Team
Meet the professionals behind XLRATE CORPORATE CONSULTANCY LLP
sagar mehra
Founder
CS Surbhi Kaushal
Company Secretary-Legal Head
ACS, B.comCS Surbhi Kaushal
Head of Legal & Corporate Secretarial Services
CS Surbhi Kaushal leads the legal and corporate secretarial division at Sagar Mehra & Associates and XLRATE Corporate Consultancy LLP. As an Associate Member of the Institute of Company Secretaries of India (ICSI) and Head of Legal, she plays a pivotal role in delivering legal precision, corporate governance, and regulatory compliance for our corporate clients.
With extensive expertise in company law, regulatory frameworks, and legal drafting, Surbhi specializes in guiding businesses through complex compliance landscapes, structural transformations, and statutory governance.
Core Areas of Expertise
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Corporate Governance & MCA Compliance: End-to-end secretarial advisory, annual statutory filings, board governance frameworks, and representation before regulatory bodies including the Registrar of Companies (ROC).
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Legal Advisory & Commercial Drafting: Expert drafting and vetting of commercial contracts, non-disclosure agreements (NDAs), joint venture frameworks, shareholder agreements, and corporate onboarding documentation.
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Corporate Restructuring & Entity Setup: Strategic advisory on company incorporations, share allotments and transfers, capital alteration, objects clause modifications, and regulatory approvals.
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Regulatory Compliance & Risk Management: Conducting secretarial audits, identifying compliance vulnerabilities, and structuring proactive risk mitigation protocols to protect clients from statutory defaults and penalties.
Professional Approach
Surbhi brings a pragmatic, solution-oriented approach to corporate legal management. She collaborates closely with entrepreneurs, directors, and corporate management teams to ensure that legal and compliance processes serve as catalyst for business growth rather than operational bottlenecks.
Ishika Sharma
Credit repair Strategist
M.ComIshika Sharma
Credit Repair & Restoration Strategist
Ishika Sharma leads the credit optimization and bureau dispute division under our XLRATE corporate consultancy arm. Specializing in financial health restoration, credit score optimization, and debt health consulting, Ishika helps individuals and businesses rebuild their creditworthiness to access essential capital and banking facilities.
With in-depth knowledge of credit bureau reporting frameworks (CIBIL, Experian, Equifax, CRIF High Mark) and regulatory compliance standards, Ishika develops strategic, data-driven roadmaps to resolve reporting discrepancies, default flags, and historical credit bottlenecks.
Core Areas of Expertise
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CIBIL & Credit Bureau Rectification: Identifying reporting errors, erroneous written-off/settled tags, duplicate entries, and incorrect personal or account details across credit bureau reports.
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Structured Dispute Resolution: Drafting and submitting formal bureau disputes, navigating bank reconciliation workflows, and liaising with financial institutions to rectify misreported loan and credit card accounts.
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Corporate & Individual Credit Optimization: Designing customized credit score recovery plans, structuring credit utilization ratios, and optimizing debt profiles to improve loan eligibility.
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NPA & Settlement Strategy Support: Advising clients on the long-term impact of One-Time Settlements (OTS) and structuring post-settlement credit recovery strategies to regain banking trust.
Professional Approach
Ishika believes that a healthy credit profile is the foundation of financial independence and business expansion. She takes a transparent, systematic approach to credit restoration—analyzing every line item on a client's credit report, mapping out actionable steps, and guiding clients toward sustainable financial credibility without unrealistic promises.
Work With Our Experts
Our experienced team is here to help you with all your professional needs.
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