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5 C's of Credit
5 C's of Credit
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5’Cs

  1. 1. Group Members… 27. Radhika Gothi 28. Rimpal Gothi 32. Vishal Jadav 44. Dharmesh Korat Submitted To… Prof. Sonu Gupta 1
  2. 2. Capacity  Measures a borrower’s ability to repay a loan by comparing income against recurring debts  Can the borrower generate adequate cash to repay the loan? Capital  Refers to the net worth, or equity, of a business  Is the borrower adequately capitalized within industry standards to withstand unexpected loss? Conditions  The economic, industry, and market environment can and will change; the state of the borrower or the state of the economy  Is the borrower flexible enough to adapt? 2
  3. 3. Collateral  Helps secure the debt.  Is there an alternative source of repayment in case the primary source fails? Character  Personal integrity of business owners and officers  Is management willing to repay the loan and will it attempt to do so under adverse conditions? (Continued…) 3
  4. 4. Business Loan from HDFC Bank Whatever be your need we have a loan for you. Over the years we have won the trust of their customers and have become market leader in loan products. Enjoy triple benefits when you take a Loan from HDFC Bank:  Faster loan - they loan sanction and disbursal is one of the quickest with easy documentation and doorstep service.  Competitive pricing - they loan rates and charges are very attractive  Transparency – All charges are communicated up front in writing along with the loan quotation 4
  5. 5. Features and Benefits of Business Loan Features  In Principle loan eligibility in online and across all branches  Convenience of contacting us through SMS, Phone Banking and across all Branches  Business Loan is also available on the basis of repayment of home loans, auto loans and credit cards.  Loan Amount up to Rs. 15 Lakhs (Up to Rs. 40 Lakhs in selected locations).  Flexible repayment options ranging from 12 - 36 Months.  Credit protect insurance plan: A Credit Protect Plan to cover your loan at a nominal premium. 5
  6. 6. Key benefits of policy  Protects the family by paying off the loan amount in case of death of the customer  Life Coverage – provides peace of Mind  No need to use other savings to repay the loan  Tax Benefits as per applicable laws  One convenient package - loan + insurance 6
  7. 7. Reduce your EMI, transfer your existing Business Loan to us. Business Loan balance transfer offers special and exclusive benefits.  Interest rate as low as 14.99 % on existing loan transfer.  Processing fees as low as 0.99% 7
  8. 8. Self employed including individual proprietors, private ltd. Co. And partnership firms involved in the Business of Manufacturing, Trading or Services.  Minimum Turnover of Rs. 40 Lakhs.  Years in business: Minimum of 3 years in current business and 5 years total business experience  Business must be profit making for the last 2 years  Minimum Annual Income (ITR): Rs. 1.5 Lakhs p.a.  Age of Applicant: Min 21 years & Max. 65 years at the time of loan maturity. 8
  9. 9.  PAN Card – For Company /Firm/ individual.  Proof of your identity: Copy of Aadhaar Card/Passport/Voter’s ID card/driving license.  Proof of your address: Copy of Aadhaar Card/Telephone bill/Electricity bill/Passport.  Bank Statement (latest 6 months)  Latest ITR along with computation of income, Balance sheet and Profit & Loss a/c for the last 2 years. Financial should be CA Certified /Audited.  Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)  Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original) 9
  10. 10.  Interest Rate Range: 17.00% to 22.00%  Loan Processing Charges :Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 75000/-  Pre-payment charges :  No pre-payment permitted until repayment of 6 EMIs,  07-24 Months - 4% of Principal Outstanding  25-36 Months - 3% of Principal Outstanding  >36 Months - 2% of Principal Outstanding  Charges for late payment of EMI : @ 24 % p.a on amount outstanding from date of default  Stamp Duty & other statutory charges : As per applicable laws of the state 10
  11. 11.  Project Finance: If you are seeking funding for a new project or new avenue in your business, then don't stretch your current financial constraints. With the easily available financial aid at your disposal, it's possible to finance your long-term infrastructure or industrial.  Equipment Finance: Take the advantage of they finance options to acquire equipment that may be critical for your business.They unique SME loans are designed to cater to your unique needs, be it for equipment leasing or other refinancing options. 11
  12. 12.  Corporate Loans: They have a wide array of financial options available to suit your distinct needs. They corporate loans are designed to iron out your interim financial needs catering to various corporate and business needs.  Secured Business Loans: Whenever you are in need of financial aid, look for the secured business loans for entrepreneurs. They secured business loans provide you with sufficient leverage for financing your corporate projects.  Working Capital Loans: Any business cannot be run without the financial aid. They working capital loans facilitate your daily business needs. We ensure that your business is run as smoothly as possible with our hassle-free and easy working capital loans. (Continued…) 12
  13. 13. (Continued…)  Bill Discounting: Enjoy the distinctive features offered by they bill discounting facilities. They ensure that corporate can successfully discount their bills before the maturity date.  Insurance Solutions: They basket of solutions for SME finance involves facilitating all your business needs. With they unique insurance solutions, they ensure your business safety for the future. 13
  14. 14. Vyapar Mitra Small traders and businessmen provide yeoman service to the community. They are honest and hard working and not so educated community with low financial means who need to be supported by banks.  Bank has recognized their potential. They are trusted and trustworthy people.  Bank has devised a hassle free scheme to extend credit facilities to them. 14
  15. 15. The details of the scheme are as under. Particulars Purpose Small traders/ businessmen Limit Amount Maximum cash credit of Rs.30 lacs or 70% of valuation of Property or 30%of projected sales looking to last two year growth whichever lower Margin 40% of valuation of mortgage property Repayment Period Renew of limit every year Rate of interest 13.5% P.A at monthly rest (Subject to change at the discretion of Bank) (not eligible for credit rating rebate) Guarantee Guarantor possessing own property and also Income tax-payer Security Mortgage of office/Resident – immovable property 15
  16. 16.  Manufacturing, trading and services units  Minimum track record of three years  Profits in the last two years  Minimum security coverage as per the product scheme  The applicant shall be engaged with trading/ industrial/ Service activity with valid Licenses. 16
  17. 17. Apply for a Business Loan by submitting the completed Business KALUPUR Loan application form with these documents:  Balance Sheet & Profit and Loss Account of company  Proof of ownership of Residential Or Commercial Property  IT returns for last two years  Proof of residence  Proof of identity 17
  18. 18. A) Proof of identity: (any one of the following)  Passport  PAN Card  Voter's Identity Card  Driving License  Identity card issued by the Employer (subject to Bank’s satisfaction)  Letter from a recognized public authoruty or public servant verifying the identity and residence of the customer to the satisfaction of bank.  Letter from a Gazetted officer verifying the identity and attesting photograph and address. 18
  19. 19. B) Proof of current address: (any one of the following)  Telephone bill  Electricity bill  Letter from employer (subject to Bank’s satisfaction).  Letter from any recognized public authority (subject to Bank’s satisfaction). 19
  20. 20.  Cash Credit/ Over Draft- A Cash Credit is a short-term cash loan to a company and KALUPUR BANK provides it against collateralized security. Loan limit is prearranged and companies can continuously draw up to the limit as and when needed.  Working Capital Demand Loans- KALUPUR BANK provides working capital facilities in the form of Working Capital Demand Loan instead of cash credit facility. The primary or collateral security will be as mentioned in cash credit facility. Here also interest is levied on the amount drawn rather than on the amount utilized. 20
  21. 21. (Continued…)  Term Loans- KALUPUR BANK caters to the need of long-term funds to enable growth opportunities of business, capacity expansions, plant modernization and other such requirements. Keeping these requirements in mind we provide term loans up to acceptable tenor with suitable moratorium, if required, and repayment options structured on the basis of companies estimated cash flows. These loans are primarily secured by a first charge on the fixed assets acquired through the loan amount. This loan is against Suitable collateral security. 21
  22. 22. (Continued…)  Bill Discounting Facilities- KALUPUR BANK provides bill discounting facilities to fund customer's receivables. This is done by discounting credit worthy bills or receivables and providing credit against that. This facility is provided for a period of 3-6 months depending upon the tenor of the bill.  Export Finance- KALUPUR BANK provides finance for export activities in the form of Pre-Shipment Credit against firm order and Letter of Credit and Post shipment credit. Credit is available for procuring raw materials, manufacturing the goods, processing and packaging the goods and shipping the goods. Finance is provided in Indian or foreign currency depending upon the need of the borrower. 22
  23. 23. Stock & Debtors will be collateral security, only initial stock/debtors statement will have to be submitted. Important points for security :  The property shall have clear & marketable title & saleability.  Valuation Report of the Panel Values to be considered.  The property shall not be older than 25 years.  It should be self occupied.  If the property is already mortgaged with the bank; the unencumbered portion can be considered in deserving cases.  The property will have to be mortgaged with registered mortgage. 23
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