we are the leading project loans service provider in hyderabad for all MNC Banks Nationalised Banks and Co operative Banks,

we established in the year 2004.

K V REDDY ASSOCIATES FINANCIAL SERVICES   Corporate Profile
“Investment Banking & Syndication"
Corporate Profile

1) About Us:
K V REDDY ASSOCIATES Financial Services offers comprehensive range of financial
services to various sectors of the Industry. Promoters with their rich experience and
expertise in this line of profession gave shape to K V REDDY ASSOCIATES to expand the
range of services and increase the presence, to be able to enlarge the client base by adding
more areas of specializations to their offerings.
The Firm operates from its offices in Hyderabad, Vishakhapatnam and Bangalore, and offers
its clients a full range of financial services.
K V REDDY ASSOCIATES is driven by client needs—needs that can vary widely from industry
to industry. To meet the Clients business / financial needs, we offer a diverse set of industry-specific financial solutions to address Clients business processes, demands and the requirements.

a) Background
The Promoters and associates of the company have been assisting industrial and business
enterprises in project and financial management. The services include advising them and
assisting them in credit and financial requirement, syndication of financial assistance,
rendering professional services both at pre & post sanction stages. They have been a
background resource for Banks and Institutions for their credit expansion, monitoring and
for credit recovery.
In our individual capacity we are professionals viz., Chartered Accountants, Company
Secretaries, Senior Bankers providing various professional services in the field of Audit,
Accounting, Project finance, Financial restructuring, Equity placement, Feasibility studies,
Company Law Matters etc.,
We have created a synergy of our activities by forming this entity. We have well equipped
offices in Hyderabad, Vishakhapatnam and Bangalore.

b) Business Practices:
At K V REDDY ASSOCIATES Financial Services, we follow the Best Business Practices.
Further, to ensure effective implementation of such practices, proper and efficient systems
are brought in place.

c) Background of Key Personnel:

i.    y B REDDY 
Mr. Y B REDDY is a (CHARTED ACCOUNTANT) and a Management graduate. His association with various reputed companies gave him an opportunity to  get exposed to complex financial structuring and corporate advisory aspects. He succeeded in guiding and advising many reputed companies in resolving their financial issues. He has vast experience in rendering advisory services for corporate finance restructuring. During his long career, he has gained wide experience in Credit &
Investment Banking Operations including appraisal for Industrial Loans of different
nature. Also, consultant for various reputed companies for their debt syndication. His
association with Goenka Group, Shaw Wallace & Karvy inspired him to focus on financial
consultancy more aggressively. He has about 15 Years of experience in this field.

ii. K . VENKAT REDDY

K VENKAT REDDY  Commerce graduate. He gained experience and expertise in various  fields during association with reputed M N Cs. He has rich experience over a decade.  During his long career, he has gained wide experience in Credit & Investment Banking   Operations including appraisal for Industrial Loans of different nature. He was  instrumental in designing and bring in most foolproof systems in place for various  corporates. He Possess vast knowledge and practical and hands-on exposure in Banking,  Financial & Risk Services Industry and can capitalize on the capabilities and complexities  of customers, products & competition. Strong knowledge of credit in diversified activities  in different parts of the country.

iii. Associates Background:

The Advisory Committee of the Company consists of eminent senior professionals, who have
over 10 years of experience in Banking and Finance. K V REDDY ASSOCIATES Financial Services has experts in varied fields in its team. This primarily consists of senior professionals with banking and finance experience, chartered accountants, company
secretaries, lawyers, Management graduates etc., Associates at K V REDDY ASSOCIATES  think innovative and think big that helps the clients in experiencing the expertise and  finding novel solutions for their financial needs.

2) Services:
Areas of Specialization:
The Combined and formidable team of Advisors and management personnel is capable of
handling any assignment in the Banking and Financial Sector.
K V REDDY ASSOCIATES has various areas of specialization. The broad areas of   specialization of the team are as under:

 Finance Syndication
 Credit Management and credit monitoring
 Corporate Finance & Equity Placements
 Corporate Advisory Services & Finance restructuring

3) Banks Associated with:
K V REDDY ASSOCIATE  has been associating with various reputed banks and financial institutions in processing financial assistance requests of its clients. Such financial   institutions include the below:

a) State Bank of India
b) Punjab National Bank
c) Bank of Baroda
d) Bank of India
e) Indian Overseas Bank
f) Indian Bank
g) Union Bank of India
h) Canara Bank
i) UCO Bank
j) Vijaya Bank
k) Corporation Bank
l) Central Bank of India
m) IDBI Bank, and
n) Few other Private Sector Banks

4) Industries:

The company has great expertise and rich experience in the line of profession, due to which it gained a strong foothold in various sectors of the industries. It has been  rendering the services to all these companies for all kinds of their financial requirements.   Major industries that we serviced are as under:

a) Information Technology (IT)
b) Infrastructure
c) Real-estate
d) Cement
e) Jute
f) Cinema Production
g) Educational Institutions
h) Retail Industry
i) Power
j) Steel Industry
k) Tourism
l) Media
m) Departmental Stores
n) Plastic Industry
o) Paper Industry
p) Hospitality Industry
q) Pharma
r) Coal Industry and
s) Many manufacturing companies.

ABOUT US
Our Business Philosophy:

Our philosophy at Project Funding India is applying our experience for prosperity of our clients, and hence the
individual needs of every client are studied thoroughly. Through our consultative approach in advising
clients,

we understand their objectives and  unequivocally commit our resources to achieving those objectives. We believe in provide
best and precise guidance to the client.

Our Mission:
"Our Experience, your Prosperity". While laying the foundation of Project Funding India ,we
made sure about good future of our client. We are driven by the passion of touching our
client's lives and not just managing their finance. Our dream would be possible only if we
could ease the task of raising fund, wealth creation & finance management for our clients
which would then free them to pursue their own dreams. We also knew that we would be
able to do this only by winning our client's trust.

Our Services
We provide following services:
Welcome to Project Funding India..
Project Funding India has a long and successful track record in arranging project finance.
Project finance can be considered as the funding of a single major capital investment with
Repayment either largely or exclusively coming from cash flow generated from the project.
After completion of asset or project,it starts to generate revenue. Project loan is given by
the lending institution or bank to the borrower for the purpose of Business
expansion,reconstruction,new venture to achieve certain goal. Project loans are available to
existing or new business for expansion or startup. Project loans are generally mid or of long
term period. Project Funding India understands your growing financing needs and provides
best corporate solutions. The Rate of interest and other credit facilities are generally based
on viability of the project, credibility of borrower, ratings, risk factor Etc. Repayment is also
important in project finance due to proper repayment, it increases borrowers ratings too.
Generally repayment of the loans are normally fixed on case to case basis and it depends on
project cash flow.    Project Funding India is a new generation financial consulting firm that specializes in all
kinds of advisory services related to business and individual finance, wealth management
and real estate. Project Funding India was founded in the year 2002 by a passionate group
of professionals with the intent of providing most comprehensive financial advisory to Indian
HNIs, SMEs & Corporates with global aspirations. Project Funding India has been backed by
prominent business house.
Project Funding India is a small & mid market focused financial advisory firm,it has gained
expertise across various domains like fund raising, investments & real estate services. Our
perfect blend of experience and youth helps us stay dynamic and keeps us acquainted in the
changing market environment. Our well experienced team comprises of MBAs, CAs, CFAs,
CFPs and ex bankers who form a collective brain share dedicated to the presentation of
reliable and result-oriented advisory services.

CORPORATE LOAN:
These loans are meant for corporate Bodies .Bank lends to such entities on the strength of
their Balance-sheet, the length of cash cycle .there are many types of loan products
available for corporate clients in India. These loans are structured depending on the need of
the client and the product available with lending bank. 
    Project Funding India is specialize in arranging corporate Loan,for These Loans Bank analyze
the audited balance-sheets of borrower in the form of CMA data and accordingly line Of
credit limit granted to the borrower .This limit is structured into various types of facilities as
per Requirement of business. The function of corporate finance is to create value for the
company. Corporate finance activity include private investors, venture capitalists Etc. Its
very important to design Plan and execute a financing program, manage cash resources,
implement and monitor financial Policies.
Corporate finance refers to the strategies, techniques and financial processes used to
acquire, Manage and utilize capital asset. Some other activities involved in corporate finance
include fundraising. For startup venture, securing investors, merging with other companies
External Commercial Borrowings ECB.
The foreign currency borrowings raised by the Indian corporate from confirmed banking
sources outside India are called "External Commercial Borrowings" (ECBs). These Foreign
Currency borrowings can be raised within ECB Policy guidelines of Govt. of India/ Reserve
Bank of India applicable from time to time.
ECBs at Project Funding India.Com
Project Funding India is very active and is a leading player in arranging various forms of
foreign currency facilities through ECB route for the Indian Corporate & focuses on all type
of foreign currency credit requirements of Indian corporate in arranging the Foreign
Currency Loans.
Project Funding India Is India's Largest Consultancy Firm ,having a strong global presence
with multiple branches / offices in countries few decades of experience in arranging foreign
currency loans. This long experience and wide presence across the globe .

ECB through Syndicated Loans- Stages in brief:
Guidelines on ECBs
External Commercial Borrowings (ECBs) are defined to include commercial bank loans,
buyers' credit, suppliers' credit, securitized instruments such as Floating Rate Notes and
Fixed Rate Bonds etc., credit from official export credit agencies and commercial borrowings
from the private sector window of Multilateral Financial Institutions such as International
Finance Corporation (Washington), ADB, AFIC, CDC, etc. ECBs are being permitted by the
Government as a source of finance for Indian Corporate for expansion of existing capacity
as well as for fresh investment. The policy seeks to keep an annual cap or ceiling on access
to ECB, consistent with prudent debt management. The policy also seeks to give greater
priority for projects in the infrastructure and core sectors such as Power, oil Exploration,
Telecom, Railways, Roads & Bridges, Ports, Industrial Parks and Urban Infrastructure etc.
and the export sector. Applicants will be free to raise ECB from any internationally
recognized source such as banks, export credit agencies, suppliers of equipment, foreign
collaborators, foreign equity-holders, international capital markets etc. offers from
unrecognized sources will not be entertained
Borrowers may enter into loan agreement complying with the ECB guidelines with
recognised lender for raising ECB under Automatic Route without the prior approval of the
Reserve Bank. The borrower must obtain a Loan Registration Number (LRN) from the
Reserve Bank of India before drawing down the ECB. The procedure for obtaining LRN
1. ECB refer to commercial loans [in the form of bank loans, buyers' credit, suppliers' credit,
securitised instruments (e.g. floating rate notes and fixed rate bonds)] availed from nonresident
lenders with minimum average maturity of 3 years. ECB can be accessed under two
routes, viz.,

(i) Automatic Route
(ii) Approval Route
I.(A) AUTOMATIC ROUTE
The following types of proposals for ECBs are covered under the Automatic Route.
Eligible borrowers:-
Corporate, including those in the hotel, hospital, software sectors (registered under the
Companies Act, 1956) and Infrastructure Finance Companies (IFCs) except financial
intermediaries, such as banks, financial institutions (FIs), Housing Finance Companies
(HFCs) and Non-Banking Financial Companies (NBFCs) are eligible to raise ECB. Individuals,
Trusts and Non-Profit making organizations are not eligible to raise ECB.Units in Special
Economic Zones (SEZ) are allowed to raise ECB for their own requirement.
Non-Government Organizations (NGOs) engaged in micro finance activities are eligible to
avail of ECB. Such NGOs (i) should have a satisfactory borrowing relationship for at least 3
years with a scheduled commercial bank authorized to deal in foreign exchange in India and
(ii) would require a certificate of due diligence on `fit and proper' status of the Board/
Committee of management of the borrowing entity from the designated AD bank.
Recognised Lenders: - Borrowers can raise ECB from internationally recognized sources such
as
international banks ,international capital markets, multilateral financial institutions (such as
IFC, ADB, CDC, etc.) / regional financial institutions and Government owned development
financial institutions,
Amount and Maturity:-
The maximum amount of ECB which can be raised by a corporate other than those in the
hotel, hospital and software sectors is USD 750 million or its equivalent during a financial
year.
Corporates in the services sector viz. hotels, hospitals and software sector are allowed to
avail of ECB up to USD 200 million or its equivalent in a financial year for meeting foreign
currency and/ or Rupee capital expenditure for permissible end-uses. The proceeds of the
ECBs should not be used for acquisition of land .
ECB up to USD 20 million or its equivalent in a financial year with minimum average
maturity of three years.
ECB above USD 20 million or equivalent and up to USD 750 million or its equivalent with a
minimum average maturity of five years.
NGOs engaged in micro finance activities can raise ECB up to USD 5 million or its equivalent
during a financial year. Designated AD bank has to ensure that at the time of drawdown the
forex exposure of the borrower is fully hedged.
End-use:-
ECB can be raised for investment [such as import of capital goods (as classified by DGFT in
the Foreign Trade Policy), new projects, modernization/expansion of existing production
units] in real sector - industrial sector including small and medium enterprises (SME),
infrastructure sector and specified service sectors namely hotel, hospital, software in India.
Overseas direct investment in Joint Ventures (JV)/ Wholly Owned Subsidiaries (WOS)
subject to the existing guidelines on Indian Direct Investment in JV/ WOS abroad.
Utilization of ECB proceeds is permitted for first stage acquisition of shares in the
disinvestment process and also in the mandatory second stage offer to the public under the Government's disinvestment programme of PSU shares. For lending to self-help groups or for micro-credit or for bonafide micro finance activity
including capacity building by NGOs engaged in micro finance activities. Payment for Spectrum Allocation.
Infrastructure Finance Companies (IFCs) i.e. Non Banking Financial Companies (NBFCs)
categorized as IFCs by the Reserve Bank, are permitted to avail of ECBs, including the
outstanding ECBs, up to 50 per cent of their owned funds, for on-lending to the
infrastructure sector as defined under the ECB policy, subject to their complying with the
following conditions: i) compliance with the norms prescribed in the DNBS Circular
DNBS.PD.CCNo.168 / 03.02.089 / 2009-10 dated February 12, 2010 ii) hedging of the
currency risk in full. Designated Authorised Dealer should ensure compliance with the extant
norms while certifying the ECB application.
End-uses not permitted :
For on-lending or investment in capital market or acquiring a company (or a part thereof) in
India by a corporate [investment in Special Purpose Vehicles (SPVs), Money Market Mutual
Funds (MMMFs), etc., are also considered as investment in capital markets).for real estate
sector for working capital, general corporate purpose and repayment of existing Rupee
loans.

Guarantees:
Issuance of guarantee, standby letter of credit, letter of undertaking or letter of comfort by
banks, Financial Institutions and Non-Banking Financial Companies (NBFCs) from India
relating to ECB is not permitted.

Security:
The choice of security to be provided to the lender/supplier is left to the borrower. However,
creation of charge over immoveable assets and financial securities, such as shares, in favour
of the overseas lender is subject to Regulation 8 of Notification No. FEMA 21/RB-2000 dated
May 3, 2000 and Regulation 3 of Notification No. FEMA 20/RB-2000 dated May 3, 2000,
respectively, as amended from time to time. AD Category - I banks have been delegated
powers to convey 'no objection' under the Foreign Exchange Management Act (FEMA), 1999
for creation of charge on immovable assets, financial securities and issue of corporate or
personal guarantees in favour of overseas lender / security trustee, to secure the ECB to be
raised by the borrower.

2 APPROVAL ROUTE: 

Eligible borrowers:
The following types of proposals for ECB are covered under the Approval Route:
On lending by the EXIM Bank for specific purposes will be considered on a case by case
basis.
Banks and financial institutions which had participated in the textile or steel sector
restructuring package as approved by the Government are also permitted to the extent of
their investment in the package and assessment by the Reserve Bank based on prudential
norms. Any ECB availed for this purpose so far will be deducted from their entitlement.
ECB with minimum average maturity of 5 years by Non-Banking Financial Companies
(NBFCs) from multilateral financial institutions, reputable regional financial institutions,
official export credit agencies and international banks to finance import of infrastructure
equipment for leasing to infrastructure projects.
Infrastructure Finance Companies (IFCs) i.e. Non-Banking Financial Companies (NBFCs),
categorized as IFCs, by the Reserve Bank, are permitted to avail of ECBs, including the
outstanding ECBs, beyond 50 per cent of their owned funds, for on-lending to the
infrastructure sector as defined under the ECB policy, subject to their complying with the
following conditions compliance with the norms prescribed in the DNBS Circular
DNBS.PD.CCNo.168 / 03.02.089 /2009-10 dated February 12, 2010 ii) hedging of the
currency risk in full. Designated Authorised Dealer should ensure compliance with the extant
norms while certifying the ECB application.
Foreign Currency Convertible Bonds (FCCBs) by Housing Finance Companies satisfying the
following minimum criteria: (i) the minimum net worth of the financial intermediary during
the previous three years shall not be less than Rs. 500 crore, (ii) a listing on the BSE or
NSE, (iii) minimum size of FCCB is USD 100 million and (iv) the applicant should submit the
purpose / plan of utilization of funds.
Special Purpose Vehicles, or any other entity notified by the Reserve Bank, set up to finance
infrastructure companies / projects exclusively, will be treated as Financial Institutions and
ECB by such entities will be considered under the Approval Route.
Multi-State Co-operative Societies engaged in manufacturing activity and satisfying the
following criteria i) the Co-operative Society is financially solvent and ii) the Co-operative
Society submits its up-to-date audited balance sheet.
SEZ developers can avail of ECBs for providing infrastructure facilities within SEZ, as defined
in the extant ECB policy like (i) power, (ii) telecommunication, (iii) railways, (iv) roads
including bridges, (v) sea port and airport, (vi) industrial parks, (vii) urban infrastructure
(water supply, sanitation and sewage projects), (viii) mining, exploration and refining and
(ix) cold storage or cold room facility, including for farm level pre-cooling, for preservation
or storage of agricultural and allied produce, marine products and meat.
Corporates in the services sector viz. hotels, hospitals and software sector can avail of ECB
beyond USD 100 million per financial year.
Corporates which have violated the extant ECB policy and are under investigation by the
Reserve Bank and / or Directorate of Enforcement are allowed to avail of ECB only under the
approval route.
Cases falling outside the purview of the automatic route limits and maturity period indicated
at paragraph A (iii).
Recognised Lenders:
Borrowers can raise ECB from internationally recognised sources such as (i) international
banks, (ii) international capital markets, (iii) multilateral financial institutions (such as IFC,
ADB, CDC, etc.)/ regional financial institutions and Government owned development
financial institutions, (iv) export credit agencies, (v) suppliers' of equipment, (vi) foreign
collaborators and (vii) foreign equity holders (other than erstwhile OCBs).From 'foreign
equity holder' where the minimum paid-up equity held directly by the foreign equity lender
is 25 per cent but ECBs: equity ratio exceeds 4:1 (i.e. the proposed ECB exceeds four times
the direct foreign equity holding).
Amount and Maturity :
Corporates in the services sector viz. hotels, hospitals and software sector are allowed to
avail of ECB beyond USD 100 million or its equivalent in a financial year for meeting foreign
currency and/ or Rupee capital expenditure for permissible end-uses. The proceeds of the
ECBs should not be used for acquisition of land.
Corporates can avail of ECB of an additional amount of USD 250 million with average
maturity of more than 10 years under the approval route, over and above the existing limit
of USD 500 million under the automatic route, during a financial year. Other ECB criteria,
such as end-use, recognized lender, etc., need to be complied with. Prepayment and call/put
options, however, would not be permissible for such ECB up to a period of 10 years.

CONSTRUCTION FINANCE:
India’s real estate segment is rapidly growing .this is very profit making business and now a
days. After recession its booming. There are various banks ,financial institutions and NBFCs
are offering loans For New construction. Construction Finance itself describe its nature and
activities .An individual firm or company engaged in the business of real estate development
or construction can avail this loan.Generally bank or lending institution prefer a builder
having good background of quality construction and good reputation in market. Bank prefer
those builders who is in business for atleast 2 years. In Some how cases bank can take a
call for new builder too. For existing construction company Required documents are – 3
years financial statement, audit report,Banking , cashflow statement,DPR Etc.After
Analyzing these documents lenders / bank decides the limit or the amount to be
sanctioned.Each and every bank and lending institution has its own different policy.For
example one institution sanction 10 Cr Loan Amount for One Project of borrower.For same
project Other Institution might offer 12 or 14 Cr, This usually happens due to Internal credit
policy or ability to take more risk call on case to case basis. Depending On Cash flow of
project bank may provide holiday period too. Bank provide lending to residential or
commercial project .Builder can get fixed or floating rate of interest depends on Prime
lending rate .Builder can repay Loan either in installment or after selling the
developedPremises.
Over draft Facility:;  

Over Draft Facility looks similar with cash credit facility but it is different too. Bank provides
DD facility and borrower can withdraw funds from OD Account upto an agreed limit.
Overdraft Facility is Good because borrower pay interest only for the time borrower use
money.it gives Flexibility to borrower to deposit funds at any time. borrower can use funds
upto his credit limit.
Interest is calculated daily on the fluctuating outstanding balance and is normally charged at
the end of each month. the rate of interest for overdraft account depends on banks prime
lending rate.
BANK GUARANTEE:
A bank guarantee(BG) is a guarantee made by a bank on behalf of a customer . Bank issues
Bank Guarantees, on behalf of their customers, in favor of third parties like Government
Departments, Public- Sector Organizations, etc. There Are Two types of Guarantee viz.
Performance Guarantee and Financial Guarantee. The type of Guarantee, track record of
customers and their financial position are the guiding factors in deciding the Guarantee
limit, security and margin.projectfundingindia.com helps Client to get Limit
Letter Of Credit:
Letter of credit (LC) frequently used in international transactions to ensure that payment will
be received. A bank guarantee and a letter of credit are similar in many ways but these are
two different things. The main difference between the two credit security instruments is the
position of the bank relative to the buyer and seller of a good, service or basket of goods or
services in the event of the buyer's default of payment. These financial instruments are
often used in trade financing when suppliers, or vendors, are purchasing and selling goods
to and from overseas customers with whom they don't have established business
relationships. The bank also acts on behalf of the buyer means holder of letter of credit, by
ensuring that the supplier will not be paid until the bank receives a confirmation that the
goods have been shipped.
Lease Rental Discounting:
Lease Rental Discounting (LRD) is a term loan offered against rental receipts derived from
lease contracts with corporate tenants. The loan is provided to the lesser based on the
discounted value of the rentals and the underlying property value.lease Rental Discounting
helps to raise funds against the future expected rentals of self owned commercial property.
To avail this loan the property should be occupied by the Lessee. Just like Loan Against
Property, LRD can be provided for any Business /personal requirements.
Unsecured Finance:
No security / collateral required Repay with easy equated monthly installments Simple
documentation- With a business installment loan, you will need to submit documents only
once. In contrast, cash credit facilities need you to provide collateral / security and submit
documents regularly. Enjoy a maximum loan tenure of upto 60 months Speedy loan
processing Generally - 7 business days.
PRIVATE EQUITY
FDI:
Foreign Direct Investment (FDI) is an investment made by foreign company or foreign
individual or any other foreign entity in the productive capacity of another
country. FDI is a movement of capital across national frontiers in a way that investor acquire
a controlling position.
Since Last 5-10 Years FDI in India has become an attraction for foreign investors. India is
an investment destination for all global business players irrespective of their business size.
There are various factors, which attract FDI in India e.g. size of India, economic growth,
skilled & English speaking population, natural resources, Govt policies, robust financial
sector, and huge untapped market potential, cost competitiveness etc.FDI policy allows
foreign investment in India under two routes as under:
1. Automatic Approval Route
FDI is allowed under automatic route in almost all the sectors including services sectors,
except a few sectors where the existing and notified sectoral policy allows FDI up to a
ceiling limit only. No prior approval is required under automatic route, except reporting to
RBI on receipt and issued of share capital.
2. Govt Approval Route
All other proposals for foreign investment, which do not fulfill any or all of the criterion
prescribed for automatic approval, require prior Govt approval. Govt consider the approval
on merits. In this regard, Government has delegated the powers to Foreign Investment
Promotion Board (FIPB). The FIPB also grants composite approvals involving foreign
technical collaborations and setting up of Export Oriented Units involving foreign
investment/foreign technical collaboration.
Where can we help?
Foreign investment in India is a very sensitive and technical matter, which is closely
monitored by Govt of India through various windows. Also it needs to understand that a
small mistake in making FDI can lead to blocking of invested money. Purpose of FDI in India
is to repatriate profits on the investment outside India and also to repatriate the principal
amount on a later stage. Therefore, if entry of FDI is not regularized as per applicable laws
then exit (either of profits or principal) will not be allowed by the monitoring authorities.
Consequently, role of experience & technical knowledge comes into picture. Here, we will be
helping you out to get your FDI complying with
all parameters and registered with governing authorities properly. We help our clients with
respect to their all kind of their needs with respect to FDI.
Term Loan:
Term loan is something which is repaid through regular periodic payments usually over a
period of one to 10 years. Term loans are basically long term loans taken for a period of one
or more than one Year. Term Loans are paid on a monthly, quarterly or yearly basis but
more so monthly and quarterly. Rate of interest generally depends on profile of borrower,
prime lending rates etc. there are many Banks / MNCs /NBFCs provide this facility.
Unsecured Term Loan /Unsecured SME:
Unsecured Term Loan are generally available for SME's it starts from 10 Lakhs Onwards. It
doesn't require any security /co-lateral /guarantor. Overall borrower can get finance Up to 5
Crores. It Can Be For 18 Months To 60 Months.Proprietor firm /Partnership Firm /Pvt. Ltd.
/Ltd Companies can Take This Facility.There are many nationalized Banks /MNCs/NBFCs
provide unsecured finance.

Loan Against Securities / Shares:
Loan against Securities offers you instant liquidity. You do not have to sell your securities.
All you have to do is pledge your securities in favor of Bank. Then bank will grant you an
overdraft facility up to a value determined on the basis of the securities pledged by you. A
current account will be opened and you can withdraw money as and when you require.
Interest will be charged only on the amount withdrawn and for the time span utilized.
Cash Credit:
Cash credit facility is back bone of business. Good limit of cash credit makes business run
smoothly. Cash credit is generally major part of working capital. Cash credit is arranged by
Hypothecation of stock / goods, property Etc. the commodities stored in the ware house and
Factories are kept as a security against the loan. The customer just has to keep margin. and
submit stock statement to the bank.

Venture Capital:
Venture Capital is financing for new business or money provided by investor to start up
firms. Having long term growth potential. This is very important source of funding for start
up that do not have access to capital market. Venture capital is method of financing in the
form of Equity participation, venture capital finance provided not only for 'startup' but also
for 'development of capital'.
Machinery Loan:
For Each and Every Business, For Startup Or For Expansion Requires Machinery Loans.
Machinery Finance Contains Used machinery loan, loan for earthmover, Heavy equipment
Loan, Printing Machinery Loan, Finance facility for JCB , ACE , Hitachi equipments like: -
Generator/DG Sets
CNC Machines
Offset Printing Machines
Industrial Power Presses
Injection Moulding Machines
Pressure/Gravity Die Casting Machines
Other Industrial Machineries packaging/embossing/Bar Code Machines.
Industrial Boilers
Medical Equipments
Infrastructure Equipments and
Office Equipments
Heavy Machinery
VMC Machines
Construction Machinery
Printing Machinery
Business Loan:
Business installment loans are simple unsecured business loans available to small and
medium enterprises for your entire working capital needs.Business installment loan can be
availed by Self employed individuals/professionals, Sole proprietorship firms, Partnership
firms, Private limited companies and closely held limited companies Etc.Every small and
medium sized enterprise needs access to working capital. The business installment loan not
only helps you meet your working capital needs but also helps in expanding your business.
With easy documentation and maximum benefits, this loan makes for some sensible capital
fulfillment.
For Business Loan no security/collateral required. Repay with easy equated monthly
installments. Simple documentation- With a business installment loan,