1. Corporate Introduction

2. • Who We Are
• What We Do
• Our Products
• Our Mission
• Our Leadership

3. Who We Are

4. As one of the leading Financial Solutions Providers in India today,
Moksha Financial Services Pvt Ltd, was established with the singular
goal of providing comprehensive financial solutions to businesses
houses, organizations & others who seek our expertise

5. We provide customized
business solutions to
your ever-changing
business needs, based
on the deep, functional
expertise garnered by
our team over the
years.

6. We are passionate & love to take on challenges that would help our
clientele achieve their goals & think beyond the constraints of their
current situations…No matter how big or small…

7. What We Do

8. We are a 360-
degree Financial
& Business
consultancy, with
a presence in
Mumbai, Indore,
Bhopal, Delhi
(NCR)

9. Our Services help clients run efficient processes, improve accuracy,
and minimize costs…

10. We specialize in
Corporate Lending
Retail
Private Equity
ECB Funding
Trade Finance
SME
International Funding
Loan Restructuring
Working Capital
Bank Guarantee
Term Loans
Buyers Credit Letter of Credit
LC Discounting
Unsecured Finance Factoring
Home LoanLease Rental Discounting

11. Our Products

12. Corporate Funding
Retail Loans
Promoter Funding
International Funding
Project Funding
Loan Restructuring
Subsidies
Private Equity & Venture Capital

13. Corporate Funding

14. Working Capital Or The Measure of a Company's Ability To
Pay Off its Short Term Debt Is The Difference Between
Current Assets And Current Liabilities.
Every Corporate/Firm/Entity requires working capital finance to meet the
entire range of short-term fund requirements that arise within their
day-to-day operational cycle.
• Cash Credit Facilities
• Clean Overdraft Facilities
• Drop Line Overdraft
• Letter of Credit
• Buyer’s Credit
• Bank Guarantee
• Packing Credit
• Agriculture Based Overdraft
Facilities
Working Capital
We at Moksha Finance empower you to enhance your company’s financial
facilities & optimize them to the fullest. Our services help you build a
sound Working Capital structure, in Indian as well as foreign currencies.
Broadly classified into Fund Based Finance and Non Fund Based Finance Capital,
the following are the key forms of Working Capital financing:

15. Corporate Funding
CASH CREDIT
A facility to withdraw the amount from the business account even though the account may not have enough credit balance. Moksha’s service help
facilitate the drawing power of the client based on the stock and book debts statements submitted by the borrower at monthly intervals against the
security by hypothecating of stock
DROPLINE OVERDRAFT
Drop line Overdraft is a facility wherein an amount can be utilized for working capital needs and the overdraft can be repaid over period of years.
At the end of the tenure, the debt is repaid and converted into capital of the enterprises. We help activate facility for our esteemed clientele
AGRICULTURAL INCOME BASED OVERDRAFT LIMIT
The OD limit is ascertained based on the income from agricultural land. The security to be given can be any other property other than
agricultural land. The primary Security herein is the property and Stock and Debtors are considered as collateral security. Further, there is no
required of submission of monthly Stock Statement and calculation of monthly Drawing Power.

16. Corporate Funding
LETTER OF CREDIT
Credit letter from a bank guaranteeing the buyer's payment to a seller will be received on time and for the correct amount. In the event that the buyer
is unable to make payment on the purchase, the bank will be required to cover the full or remaining amount of the purchase. Letter of credit is used in
both International and Domestic Transactions.
CLEAN OVERDRAFT
Clean Overdraft is an overdraft facility wherein Overdraft amount can be utilized for working capital needs. The primary Security herein is the property
and Stock and Debtors are considered as collateral Security. Further, there is no required of submission of monthly Stock Statement and calculation of
monthly Drawing Power, since the stock statement is to be submitted annually.
BUYERS CREDIT
Buyer's credit is the credit availed by an Importer (Buyer) from overseas Lenders i.e. Banks and Financial Institutions for payment of his
Imports on due date. The overseas Banks usually lend the Importer (Buyer) based on the letter of Comfort (a Bank Guarantee) issued by
the Importers (Buyer's) Bank. Buyers Credit for goods purchases can be for a period upto 6 months.

17. Corporate Funding
BANK GURANTEE
In certain circumstances such as filing for tender or requirement of government body or dealing with a totally unknown concern, the parties require
you to give a bank guarantee to enable you to bid for contract or supply the materials. It is at times like these that our experienced team steps in to
help arrange Bank Guarantees on your behalf. from banks.
PACKING CREDIT (POST & PRE SHIPMENT)
Packing credit limit is a facility sanctioned to an exporter in both Pre-Shipment and Post-shipment stage. If an enterprise has export orders, we can
arrange Pre shipment and Post shipment credit up to 100% of the order value. This facilitates the exporter to purchase raw materials and manufacture or
produce goods according to the requirement of the buyer and get it packed for onward export.
TERM LOANS
Term loan are usually required for a capital expenditure such as constructing a new factory, buying machinery, purchasing of office or
expansion and up gradation of existing factory. We study future cash flow very thoroughly and arrange funds accordingly. Funds can be
arranged in the range of 70% – 75% of actual cost.

18. Corporate Funding
WORKING CAPITAL TERM LOANS
Working Capital Term Loan provides the dual benefit of Working Capital as well as Term Loan wherein a part
of the funds could be given as term Loan allowing repayment of the same. where the company profits in future
years are so that the client wants to slowly reduce the working Capital funds from bank and infuse his Net profit
into business or incase where the company is into stress and is unable to achieve the drawing power required for
existing working Capital availed, then we can arrange the additional amount over
and amount the drawing power in the form of Working Capital Term
Loan.

19. Debt Facilitation

20. Debt Facilitation
UNSECURED LOANS
A loan that generally involves highly complex financial transactions obtained from many large financial institutions for companies with very unique
financing needs. Our expert team will arrange for these funds for you without any collateral, on the basis of financial performance of the companies.
Funds will be arranged through Banking and Non-Banking Financial Organizations, for upto Rs.10 Crores
LOANS AGAINST PROPERTY
Loan against property is a preferred way to raise funds against a residential or commercial property by the way of giving it to banks or institutions as
mortgage. Our team’s expertise lies in structuring loans against property, according to their specific requirements such as Long –term repayment
schedules & flexible repayments, for up to 75% of the value of the property.
COMMERCIAL PROPERTY PURCHASE
This product is the answer to the needs of every businessman who seeks to invest in an owned office property.
Clients generally need to contribute 25% of the property agreement value with the remainder funded by the bank.
Our recommendations help clients take pre-approval on commercial property purchase loans and then hunt for
property accordingly , thereby facilitating better and more reliable negotiations

21. Debt Facilitation
LOANS AGAINST SHARES
This nature of funding can be arranged against shares of listed companies wherein the shares are pledged to the financial institution. The funds can be
utilized for any business purpose.
HOME LOANS
Buying a home can be one of the most important and emotional decisions of one’s life. We at Moksha understand the importance of buying a home and
engage in a special research based approach while facilitating a Home Loan for our clients. We arrange various types home loans wherein EMIs can be
structured based on expected income in the future. Our loan to value ratio generally ranges from 70% - 80%.
LEASE RENTAL DISCOUNTING
We provide the additional benefit of the properties given on lease to the credible companies by getting the funds
from banks and NBFC’s against future rent receivables today at very competitive rate of interest and can use it
either on your business or on acquiring new properties or any other use.Our team’s expertise lies in getting loans
approved for terms longer than the lease terms, on the basis of soft commitments from the leaser. We deal with
all top Nationalized, Private, Multinational Banks and NBFC’s.

22. Promoter Funding

23. Pledge Of Shares
This facility is offered to promoters against their shareholding in their listed company. It enables you, as a promoter of the company, to increase
your shareholding or expand and diversify into other areas of business.
Promoter funding is offered to promoters of the companies against their shareholding in their company. With the help of this facility the promoter
can increase the shareholding or use in expansion and diversification of the business.
FEATURES
 Loan available against existing promoter holding
 Margin – 50% - 75% (depending on the risk profile of the
business and the stock)
 Tenor – 1 to 3 years
 Attractive Interest Rates
 Simple Documentation
 Increase promoters holding in the business with the use of existing stake.
 Liquidity requirement for expansion and diversification of business.
 Easier and faster processing.
 Promoters do not have to liquidate their holdings to meet
short-term cash requirements.
 Promoter can increase their stake through buying at
lower price.
BENEFITS

24. Placement Of Shares
The sale of securities to a relatively small number of select investors as a way of raising capital. Investors involved in private
placements are usually large banks, mutual funds, insurance companies and pension funds.
Private placement is the opposite of a public issue, in which securities are made available for sale on the open market.
 Increase promoters holding in the business with the use of existing stake.
 Liquidity requirement for expansion and diversification of business.
 Minimum Regulatory Paperwork and fast Processing.
 Promoter can increase their stake.
 Cost Effective
BENEFITS

25. Private Equity & Venture Capital
Private Equity & Venture Capital

26. We offer private equity services in raising private equity and venture capital for the clients from appropriate funding
agencies.
We ensure proper structuring and presentation of the deal, establish feasibility of business model, approach and negotiate
with private equity funds to obtain the best-possible deal.
Private equity is money invested in companies that are not publicly traded on a stock exchange or invested as part of
buyouts of publicly traded companies in order to make them private companies.
Venture Capital involves money being provided by investors to start-up firms and small businesses with perceived, long-
term growth potential.
This is a very important source of funding for start-ups that do not have access to
capital markets. It typically entails high risk for the investor, but it has the potential
for above-average returns.
Private Equity &
Venture Capital

27. International Finance

28. International Finance
An external commercial borrowing (ECB) is an instrument to facilitate the access to foreign money
by Indian corporations. Borrowers can use 25 per cent of the ECB to repay rupee debt and
the remaining 75 per cent should be used for new projects. For infrastructure and green field
projects, funding up to 50% (through ECB) is allowed. In telecom sector too, up to 50% funding
through ECBs is allowed. A client cannot refinance its existing rupee loan through ECB.
The money raised through ECB is cheaper at LIBOR linked rates.
EXTERNAL COMMERCIAL BORROWING
We can arrange export bills discounting limit being set for companies having export transactions at very attractive discount rates. Once
the company exports the goods, the bills can be discounted once the accepted Bills, Bill of lading, Packing List and Certificate of origin
is submitted to banks. The bank deducts the discount and remits the remaining amount to the company’s account. This is a cheaper
source of working capital financing for Companies as export financing are provided by banks at very attractive interest/discount rates.
.
BILL DISCOUNTING

29. International Finance
We can arrange both Short term and Long term Foreign Currency Loans for Exporters. The loan
amount ranges from 25 lacs to any amount. Interest Rates are LIBOR linked and since exporter
will have receivables in foreign currency thereby nullifying the Hedging Risk as well. We
arrange both Foreign Currency Working Capital and Term loan.
FOREIGN CURRENCY LOANS
For expansion of existing companies or setting up of New Company having high project cost requires huge amount of Equity Capital.
Equity issued to Indian players comes with its own Pros and Cons, one of it being higher profit expectation and lower gestation period.
Foreign players provide funds at lower cost and can stand higher gestation period. We at Moksha are experts in arranging FDI for
various Sectors.
.
FOREIGN DIRECT INVESTMENT

30. International Finance
A trade finance mechanism whereby an exporter sells its export receivables (bills of exchange or promissory notes, or simply issued
invoices, which the exporter is selling on an open account basis) at a discount. The company purchasing the receivables is called a
factor. Factors are normally specialized financial services companies, but many are owned by banks. Normally, after the factor has
purchased a receivable, the importer or buyer pays the factor directly. The benefits being that this type
of funding is over and above the funding from your working capital Banker and the company can
be funded upto 90% of the invoice amount.
FACTORING

31. Project Funding
Project Funding

32. Project Funding
REAL ESTATE
An customizable project specific funding product, at a cost effective interest can be arranged for Real Estate Builders and Developers based on their
estimated Cash Flow for construction of a particular project. Construction finance is given for construction of one specific project and is to be
utilized strictly for the same project. Funding is restricted to the cost of Construction, Approval, Admin, Selling and Marketing Cost etc. other than
cost of purchase of Land. Funding can be arranged for a maximum of upto 70% of the project cost. The kind of projects where funds are arranged
includes construction on freehold land, SRA Projects, Redevelopment Projects, Joint Ventures and more
Setting up a manufacturing requires funds from various sources, some such that
promoters/owners may not be able to fund their own. The entire manufacturing unit
cost is taken into consideration except land, and such funding could be arranged
for upto 75% of the project Cost. Primary Security would be the project,
while the collateral security requirement will be based on various criteria such as
Company profile, Nature of Business, Industry, Demand, Promoters Background etc..
INFRASTRUCTURE
MANUFACTURING UNIT
Each infrastructure project is unique and has its own Cash flows and hence requires customized funding Solutions. We
at Moksha understand the project and its cash flow in detail and accordingly arrange for the most cost effective financial solutions. The
tenure for such projects could range from a year to 15 years with moratorium period that can also be provided based on
the project cash flows.

33. Restructuring

34. Restructuring
Debt restructuring is a process that allows a private or public company facing cash flow problems and financial
distress to reduce and renegotiate its delinquent debts in order to improve or restore liquidity so that it can continue its
operations.
We at Moksha do a detailed study of the issue resulted in the current situation and understand the Revival strategy of
the company and accordingly advise and assist the client for restructure their loan component in a cost effective and
timely manner.

35. Subsidies

36. Subsidies
In order to encourage setting up of industries and various other things required for the development of Nation/State, both
Central and State Government provide various Subsidy Scheme and the benefit of which can be taken while setting up an
industry/ Services / Self Employment.
There are many regulations to be followed to get the benefit of these subsidies and there are various formalities to be
completed for the same. The subsidies are normally provided in nature of Capital Subsidy and Interest Subsidy.
We at moksha assist the client for completion of all the legal formalities so subsidy is received
in a timely manner

37. Our Mission

38. • The achievement of our clients
objectives is our first & foremost
mantra
• We are committed towards
maintaining high business ethics
• We believe in the power of
opportunity
• We strive to develop long lasting
relationships with clients
• We work towards minimizing
hassles & transforming client’s
ambitions into success stories

39. We believe in translating
our knowledge & expertise
into an institution that
invokes the feeling of
success, trust & reliance
among our clientele

40. Our Leadership

41. 35 year old commerce graduate & an honoured member of the Institute
of Chartered Accountants of India (FCA), Jai Agarwal is the Promoter
& Founder Member of MFSPL.
With his enormous expertise in financial execution, astute skills in
planning & business development, he is one of the chief driving forces
behind Moksha’s varied service portfolio.
His career in the industry, spanning over a decade, has enabled him to
build a massive and powerful network within the banking sector (both
Private and Public Sector / Foreign banks) at senior levels, giving him
an undefeatable leverage over the area.
As a financial consultant, he first began with a lustrous career in
Citibank- Treasury Operations, post which he decided to head his
own venture and was involved in the business of Corporate Lending in
Central India for around 5 years. He later went on to add SME
Corporate lending and other high-skill oriented products to his kitty
Jai Agarwal Shraddha Khandelwal
A young & successful player in the industry, Shraddha Khandelwal,
comes with 12 years of experience in the business of Asset
Management & Planning. A management graduate in finance and
marketing, she is a Director at MFSPL and serves as the guiding light
for many industrial giants in the MFSPL portfolio.
Her role as leader involves strategic planning, business development,
development of a sound client network and effective execution.
As a proactive leader and planner, her cross functional expertise
include planning, market penetration, product offering and
management of key relationships, competition analysis.
Prior to joining MFSPL, she served a prolific career at a senior
managerial position with Citibank - Asset Business, that lasted 7 years.

42. Gaurav Agarwal
Mr. Gaurav Agrawal, is a qualified Chartered Accountant and
Associate member of ICAI with over a decade’s worth of experience in
the trade. With his impeccable skills in marketing along with an
in-depth knowledge in the finance sector.
He is currently managing a team of 30 skilled marketing executives at
Moksha and specializes in development of market strategies and the
improvement od organizational effectiveness, for a large & diverse
clientele.
Apart from this his core expertise is in the retail loan segment, he has a
commendable grip in the areas of housing loans, unsecured loans and
OD/CC limits.
He has a strong network of relationships across the Corporate world
and substantial experience in managing highly complex assignments.
Dr. Bharat Kulkarni
Dr. Bharat Kulkarni is the Founding Director of Stalwart Management
Consultancy Services, a consulting firm, that works in the field of market
Financial microstructures, especially in Africa. Bharat has provided advisory
to several high profile projects in Africa and Asia, to clients ranging from
Private investors to Governments.
Since 2008, he has successfully set up 4 commodity exchanges in Africa.
After setting up his consulting firm in 2011, he had been advising several high
value investment projects. His clients include The World Bank, USAID, IFC,
Alliance for Green Revolution in Africa, Government of Tanzania,
Government of Kenya, Africa Exchange Holdings and many others. He is a
highly sought after speaker on Investment in Africa and travels across the
globe to speak at various conferences year round.
He has been regularly speaking at the United Nations on conferences like
Global Commodity Forum and World Investment Forum. He is a PhD in
Economics and has written two books, one on Agri risk Management and
other on Commodity Markets and Derivatives.

43. Our Leadership is supported by an efficient & reliable team of co-workers with an
unparalleled network of knowledge, across various industries

44. Thank You