Description
We are dealing in
1. Working Capital ( OD and DLOD and Term Loan) for 10 year tenor - Max amount Rs 10 Cr.
2. Working Capital Term Loan (WCTL) for 7 year tenor- Max amount Rs 25 cr
3. LRD for upto15 year tenor - Max amount up-to Rs 25 cr
4. LAP for 15 year tenor-Max amount Rs 10 cr-100% FIOR
Loan amount Min - 1Cr and Max -10 crore in OD and DLOD and Term Loan and LAP for 10 year tenor and up-to 25 Cr in LRD and working capital term loan for 15 year tenor.
Program
1) a) OD Limit :-30% of achieved turnover.
DLOD Limit / Term Loan:- 50% of achieved turnover.
b) PBDIT :- 6 times
2) a) OD Limit :-25% of project turnover.
DLOD Limit / Term Loan :- 40% of project turnover.
b) NOF :- 5 times
3) Working Capital loans under Non parameters. Under this funds can be given under multiple banking arrangements like second charge or Pari-Passu Charge.
4) LRD for 15 year Tenor
✅ We do funding in
1. All Regularize properties.
2. Properties Without Map.
3. Industrial property
4. Free hold property
5. Rented Property
6. Vacant Residential and commercial property.
7. Mixed usage property
LTV in OD/DLOD/ Term Loan
- Self Occupied Residential Property :- 90%
- Self Occupied in Commercial Property :- 85%
- Self Occupied Industrial Property :- 60%.
- Commercial Rented :- 70%.
- Residential Rented and Vacant :- 80%.
- Mixed Usage Property (partly self-occupied) :- 60%
- Mixed Usage Property ( Self-occupied) :- 80%
- Vacant commercial property:- 55%
- Self occupied godown :-60%
LTV in LAP
1) SORP-65%
2) SOCP-60%
3)Mixed use property (self-occupied) -60%
4)Mixed use property (party self occupied) -50%
5)RRP-60%
6) RCP-55%
7) SOIP-50%
8)Vacant Residential /commercial property -50%
LTV in LRD
1)Residential property :- 65%
2)Commercial property :- 60%
3)Mixed usage property :-60%
4)Industrial property including warehouse and godown:-55%
Pls feel free to contact us for further clarification...
Regards
Vivek Kumar Sharma
Utkarsh Small Finance Bank
Relationship Manager - Wholesale Lending
9718984851 & 9643344041