Project Financing Consultants
Project Financing basically involves financing in
a larger scale the total project from drawing board stage to the
commercial production. More emphasis is laid in assessing the
techno-economic viability of the project and its ability to generate
adequate cash flow by way of income so as to take care of the
repayment. Normally in project financing, the thrust on collateral
securities is less than the vanilla financing. Project financing
involves normally a host of banks, FIs operating under the legal
umbrella of Consortium lending or multiple financing. PPP (Public
Private Partnership) projects are a special branch of project
financing. In general, Power Plants, Highway roads, bridges,
hospitals, large water treatment plants fall under the ambit of PPP.
Here project assets and its revenue stream are relied upon for
repayment. At the end of the concession period, the private company
returns the assets to the Government. Concession period is so
calculated so as to enable the private company to pay off the debt
and return ownership to its original owner. Large shopping malls are
also executed and financed under a similar model known as BOLT.
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Bank NPA Consultants, Stressed Assets Advisors
We also assist existing bank borrowers on matters of irregular &
sticky accounts, NPA
and Suit filed accounts, bad loans and credit card loans. Particular care is taken of those embroiled
in DRT and SARFAESI or Securitization
cases. Help is at hand to reschedule and restructure the
accounts or to apply for OTS
and compromise proposals to Bank. In case of need, legal assistance
is provided to tide over the pressure mounted for seizure of assets. We
act as consultants for
BIFR & AIFA cases.
Our expert team undertakes complex CDR
proposals or Corporate
Debt Restructuring cases
involving financial, banking and legal expertise. On the Whole,
BankRuna.com is a trustworthy NPA consultant and advisor for OTS
proposals, legal help, restructuring of loans where borrowers
from all across India have sought assistance. Timely
intervention in Bad loans is very crucial as otherwise the borrower
is most likely to loose his business, his money and face countless
humiliation. Approach us before it is too
late.
Bank Loan takeover Counsellors
Sanction of fresh loans, enhancement of existing credit facilities in Banks in India is still
person driven rather than system driven. By this, we mean that under the stewardship of a particular Branch head, Regional or Zonal Head, certain borrowers or consultants find greater comfort in credit related matters and once the person changes, priority shifts to a different set of Consultants and Borrowers. Some Banks are making sincere effort to make credit delivery more system driven so that presence or absence of an executive or officer in sanction desk does not bring much change to the system of accepting, evaluating and ultimately sanctioning loan proposals. Effort of SBI in this respect deserves special mention.
Largely because of the above factors, borrowers shift Bank when they no longer get the attention of Bank that they used to get. Borrowers also shift to avail more finance under terms that are more favorable to them. With rapid increase in businesses, opening of more Bank Branches,
takeover of loan accounts have become more frequent. Bank
Loan takeover falls into 2 major categories -- (1) Takeover of Home
loans or Mortgage Loans and other retail loan products such as
vehicle, personal loans. (2) Takeover of Trade & Project loans under
solo lending, multiple lending and Consortium Finance. Now RBI has come out with a set of guidelines to streamline and standardize the take over procedure. Read more
here.
Apply for Loan takeover
to another Bank --
click
CIBIL SCORE - guidance
CIBIL Score of an individual as borrower, guarantor is of utmost
importance for Banks to decide whether fresh loan, enhancement of existing loan is
to be entertained and considered. A damaged or poor CIBIL score can
undermine credit sanction. Errors in the Cibil Score can reduce
your prospect of availing loans. Our experts analyze your scores, find
out where you have gone horribly wrong and assist you in proper
interpretation and resolution of the credit issues so that
your credit tracks are made better. We also assist in correction of
errors that impair your score through no fault of yours. For further
query, click here.
NBFC LOANS ADVISORS
NBFCs are Non Banking Finance Companies engaged in
Financing various activities . They are registered under Companies Act ,
1956 and are also registered with Reserve Bank of India to carry
financing activities .Their main functions can be categorized into :--
ʘ
Funding activities such as Housing finance, Equipment
leasing, hire purchase financing of vehicles and equipments, Granting
various types of retail loans, factoring services and venture capital
financing etc
ʘ
Fee based activities such as portfolio management, Loan
Syndication, Mergers & Acquisitions, Credit Rating etc .
ʘ
They also include Mutual Benefit Finance Companies notified
by Govt. under Section 620A of the Companies Act, 1956.
If you are interested in exploring the
loan facilities provided by NBFCs, pl. contact us
PRIVATE EQUITY FUNDING ADVISORS
Private equity funds concentrate their main focus of
financing on unique business models that cater to consumption and
service needs of the Indian Consumer or are enablers of various
infrastructure such as education, health care, financial requirements or
technology. We act as facilitators for evaluating & guiding your
business to be eligible for PE Fund financing, then scouting appropriate
PE funds and taking the process forward. To know more,
contact us.
CREDIT RATING IN INDIA
Now a days, for sanction of any fresh credit limit or
enhancement of existing credit limits, credit rating exercise is
undertaken by banks to arrive at a credit decision and also to determine
the rate of interest if sanction is accorded. Normally there are 2 types
of rating exercises i.e. 1) Internal credit rating exercise for
almost all types of loans and 2) External credit rating exercise
by rating agencies such as CRISIL, ICRA , CARE etc. for limits above a
threshold amount which is at present is Rs 500 lac for most of the
banks. If the rating is below a certain critical level, sanction is not
accorded. For those accounts where sanction is given, rate of interest
is higher for lower rated borrowers and lower for higher rated
borrowers.Normally for takeover loans, the required minimum CRISIL
rating is BBB. For rating syntax, click
here.
CREDIT MAPPING
This is a novel product offered by BankRuna. Our experts analyze your
business strengths and weaknesses and also make a SWOT analysis of your
financial resources so as to launch a growth path for you in a time frame of 2-3
years. The job involves vetting your business plan, drawing a financial module
to fructify the same , roadmap of funding & banking behaviour and
formulation of risk management guidelines . To know more,
contact us.
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