Project financing- Basics for Bankers (In Hindi)

Project funding is divided into three types of projects- Commercial real estate projects, Non Infrastructure projects and Infrastructure projects. Further, The project can be established as backward and forward integration of the existing business, Expansion of existing business, Expansion of business in new product relating to existing product line, Expansion of business in new product not relating to existing product line and last is new business altogether.

RBI has updated norms related to DCCO (Date of commencement of commercial operations) of the project. If the DCCO is not achieved then the loan becomes NPA and therefore there are certain rules w.r.t its extension as well. Let us study all about that through this video.

#projectfinance #realestateprojects #projectfunding #infrastructureprojects #dccoinprojectloan #dateofcommencementofcommercialoperations #extensionofdccorbinorms #whatisdccoinprojectloans #greenfieldprojects #projectfundingsbi #projectfundingbybanksinindia #ankushjain #caankushjain

#projectmanagement #projectfinance #ankushjain

1. What points to take care of while financing the Cost over runs in Project finance? 2. What are the RBI rules regarding the cost over-runs in project? 3. How much additional cost in the project/cost over-run in the project can be financed? 4. What will be the impact and RBI rules if the cost increase in project is due to increase in scope of the project? 5. What will be the implication of DCCO and asset classification in books of account if cost over-run norms are not complied? 6. What is change in management/promoters of the business as per RBI norms? 7. What will be the impact on date of commencement of commercial operations i.e. DCCO of the project in the case of change in management of the borrowing entity?

Let us answer all these questions one by one and in total detail through this video. There are multiple other points covered in this video as well therefore please watch it till the end.

#projectfinance#DCCOdeferment#DCCOextension#dateofcommencementofcommercialoperations#costoverruninproject#rbirulesregardingprojectfunding#ankushjain#caankushjain#creditanalysis#creditmanagerprofile#projectfunding#projectdetails#projectmanagement

#landloan #landpurchaseloan #landfinance

Project cost is total of Land, Building, Machinery and other expenditures. The whole project cost is submitted in the project report by the client at the time of appraisal of the proposal. Client ask for funds to buy land and also to construct building. In this video, We shall learn what are the terms and conditions to funds the capital expenditure on land and building and what points to be taken care of which financing the same.

#landloan#landpurchaseloan#landfinance#landloanreimbusrement#buildingtermloan#buildingloan#buildingconstructionloan#buildingfinance#buildingloanreimbursement#termloans#termloanforcapitalexpenditure#capextermloans#projectfunding#projectfinance#greenfieldproject#businessstartups#ankushjain#caankushjain

#bankingjobs #projectfinance #projectfunding

If we receive only land for the project then how do we calculate the collateral cover for balance other loans since land value will not sufficient to cover all? Can we add up the amount of proposed building construction in the value of Land to calculate the futuristic collateral cover? Let us learn about that through this video. Further what are the norms relating to machinery term loan? Can we do refinancing of machinery? What costs can be added in machinery value for the purpose of loan?

#projectfinance#projectfunding#ankushjain#caankushjain#machinerytermloan#machineryloan#collateralcovercalculation#loantovalueratio#buildingtermloan#landloan#buildingfinance#landfinance#bankingjobs#bankjobinterview#creditanalysis

#Funding #ProjectManager #Collateral

Are you looking to secure funding for your capex term loan or project? Understanding Asset Coverage Ratio is critical to making a successful application. In this video, we'll explore what Asset Coverage Ratio is, why it matters, and how to calculate it. You'll learn how lenders use Asset Coverage Ratio to assess the level of risk associated with your loan or project, and how to improve your ratio to increase your chances of approval.

We'll cover key topics such as the role of collateral in Asset Coverage Ratio, and how to use financial statements to calculate your ratio. Whether you're a business owner seeking a capex term loan or a project manager looking for project funding, this video is a must-watch. By the end of this video, you'll have a solid understanding of Asset Coverage Ratio and how it can help you secure funding for your next big project.

#AssetCoverageRatio#CapexTermLoans#ProjectFunding#Collateral#FinancialStatements#RiskAssessment#Approval#BusinessOwner#ProjectManager#Funding#BusinessFinance#FinanceTips#LoanApproval#LoanProcess#BusinessGrowth#SmallBusinessFinance#Entrepreneur#FinancialEducation#FinancialLiteracy#LoanApplication#BusinessInvestment#Investing#FinancialPlanning#MoneyManagement#BusinessSuccess#BusinessDevelopment#BusinessTips#ankushjain#caankushjain

#charteredaccountant #investing #riskmanagement

Are you looking to fund a project but unsure of how to assess a borrower's loan when a corporate guarantee from an existing or parent entity is received? In this video, I'll guide you through the step-by-step process of analyzing borrower loans with corporate guarantees, providing you with expert tips and best practices to ensure maximum project funding success. We'll cover key topics such as assessing the creditworthiness of the borrower, evaluating the terms of the corporate guarantee, and identifying potential risks and mitigants.

By the end of this video, you'll have a comprehensive understanding of how to analyze borrower loans with corporate guarantees, helping you to make informed project funding decisions with confidence. Don't miss out on this essential guide - watch now!

#projectfunding#corporateguarantee#borrowerloan#creditassessment#underwriting#bankingfinance#charteredaccountant#experttips#bestpractices#riskmanagement#loananalysis#financialanalysis#investing#financetips#loanstructure#loansecurity#loanmitigants#loanunderwriting#ankushjain#caankushjain

#projectreport #pmegploan #pmegp

When borrower applies for loan under PMEGP scheme then he has to submit the proposed business project report in detail as well. In this video, We have picked up a sample project report for a PMEGP project and we shall try to study how data is presented in the report and how to cross check the accuracy of the data.

#projectreport#projectloan#projectfunding#ankushjain#caankushjain#pmegp#pmegp_loan_apply#pmegploan

#projectreport #projectmanagement #projectfinance

How to do sensitivity analysis in case of project funding? Let us learn through a simple excel sheet. Sensitivity analysis is done by the bankers in order to assess the worst case scenario in the project financing. Sensitivity analysis helps the bankers in knowing the borrower's ability to repay the debt and generate good IRR from the new project even if there is deviation from the expected sales and profits of the project.

Let us understand and learn this through this video. Please watch till the end and share it to maximum people.

#projectfinance#projectfunding#sensitivityanalysis#projectreport#projectreview#projectmanagement#caankushjain#ankushjain

#costofcapital #timevalueofmoney #presentvalue

Funding a new project?- Learn how to calculate its net present value or Internal rate of return (NPV and IRR). Net present value is calculated by adding total of present value of all future cash flows minus the present value of investment. While internal rate of return is the actual rate of return earned on the project by the borrower.

Through this video, you shall learn: 1. What is present value and future value? 2. How to calculate present value and future value? 3. What is cost of capital? 4. What is net present value or NPV? 5. How to calculate net present value of the project? 6. What is Internal rate of return or IRR? 7. How to calculate IRR through MS excel sheet? 8. What is sensitized IRR or NPV? Please watch till the end and share it to maximum people

#presentvalue#futurevalue#timevalueofmoney#netpresentvalue#internalrateofreturn#npvandirr#costofcapital#costofdebt#costofequity#projectfinance#projectfunding#caankushjain#ankushjain

#breakevenpoint #breakevenanalysis #breakevensales

What is break even point? It is the point of no profit or loss. From the banker's point of view the calculation of break even point changes since the banks are interested in repayment of interest and principle of their loan and therefore the business should earn sufficient amount in order to repay the above.

The break even point concept can be divided into two parts i.e. 1. Break even sales 2. Break even profits Through this video, We would learn how to calculate each of those above points. So please watch till the end and share it to maximum people.

#breakevenpoint#breakevenanalysis#breakevensales#breakevenprofits#ankushjain#caankushjain#creditrisk#creditmanager

#rbirules #projectmanagement #commercialrealestate

Project financing- RBI has issued draft prudential norms on projects under implementation on 3rd May 2024 covering various aspects like: 1. Different stages of project- Design Phase, Construction phase and operations phase 2. Definition of Project finance, Financial closures, DCCO, Exogenous risks, Endogenous risks etc 3. Revised provisioning norms and DCCO extension norms etc.

The last day to submit suggestions on the draft norms was 15th June 2024 and final decision on applicability of these norms is awaited. Meanwhile it is important for us to study what the new updates brought in by the RBI to regulate the project financing done by the financial institutions. Let us go through with it in full details.

#projectfinance#projectfunding#infraprojects#commercialprojects#commercialrealestate#noninfraprojects#rbinotification#rbirules#rbicircular#projectmanagement#projectunderimplementation#dateofcommencementofcommercialoperations#financialclosures#netpresentvalue#creditevent#ankushjain#caankushjain#creditmanager