Funding , loans against Warehouse Receipt cotton bales
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Funding , loans against Warehouse Receipt cotton bales

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Get Loan Against Commodities stored in Warehouses, at attractive interest rates with speedy processing ...

Get Loan Against Commodities stored in Warehouses, at attractive interest rates with speedy processing

When the commodity is stored at NBHC leased or NBHC franchised private warehouses/ godowns/ cold storages that are financed/not financed by banks

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Funding , loans against Warehouse Receipt cotton bales Presentation Transcript

  • 1. State % Production Gujarat 36% Maharashtra 20% AP 15% Punjab 7% MP 7% Haryana 5% Loose lint 4% Rajasthan 3% Karnataka 3% Tamil Nadu 2% Others 1% GRAND TOTAL 100% Warehoue Receipt Finance –Warehoue Receipt Finance – Cotton BalesCotton Bales
  • 2. What is WHR Finance ?What is WHR Finance ?  WHR (Warehouse Receipt) is a document of title (signed orWHR (Warehouse Receipt) is a document of title (signed or certified by the warehouse keeper) guaranteeing existence andcertified by the warehouse keeper) guaranteeing existence and availability of a specified quantity and quality of a commodity,availability of a specified quantity and quality of a commodity, and used as an instrument of transfer in cash (spot) and futuresand used as an instrument of transfer in cash (spot) and futures transactions.transactions.  So for WHR Finance there are three basic entitiesSo for WHR Finance there are three basic entities  WarehouseWarehouse  WarehousemanWarehouseman  Receipt that certifies quality,quantity,storage location andReceipt that certifies quality,quantity,storage location and ownership of the goods to banksownership of the goods to banks
  • 3. Warehouseman- NBHCWarehouseman- NBHC  NBHC is having experience in handling Cotton bales inNBHC is having experience in handling Cotton bales in Warehouses across the country since 2004.Warehouses across the country since 2004.  They have 19 + state's network in IndiaThey have 19 + state's network in India  Wide experienced professionals who can guide you dealingWide experienced professionals who can guide you dealing with cotton baleswith cotton bales  Commodity funding banks which has empeneled underCommodity funding banks which has empeneled under NBHC's network is close to 42 banksNBHC's network is close to 42 banks  A small amount of trade facilitation finance is also availableA small amount of trade facilitation finance is also available directly from NBHC's own network to help in thedirectly from NBHC's own network to help in the procurement, handling and storage finance on cotton balesprocurement, handling and storage finance on cotton bales  NABL accredited laboratory for furnishing quick results forNABL accredited laboratory for furnishing quick results for WHR finance through its network of 35 lab in the countryWHR finance through its network of 35 lab in the country
  • 4. Banks feel comfortableBanks feel comfortable  It is Self Liquidating,Very secured and risk freeIt is Self Liquidating,Very secured and risk free product for bankproduct for bank  Entire Credit risk of bank is transferred to CollateralEntire Credit risk of bank is transferred to Collateral manager like NBHC as their Operational riskmanager like NBHC as their Operational risk  No prior experience is required as NBHC knowsNo prior experience is required as NBHC knows quality,quantity,price and safety assessment forquality,quantity,price and safety assessment for banks.banks.  Bankers can work for WHR fiancing comfortablyBankers can work for WHR fiancing comfortably from banks itself without much effort onfrom banks itself without much effort on warehousing partwarehousing part  Scalable ProductsScalable Products
  • 5. How to go about it ?How to go about it ?  If you want to take WHR loan this time from bank .  Just approach your nearest bank or Business Development team of NBHC across India  They will help your understand the process of loan sanctioning and WHR financing for your requirement for cotton bales.  There is a small KYC checklist to be furnished by you to the bankers or to NBHC officials to take a loan sanction prior to stocking of cotton bales.
  • 6. Process (3/1)Process (3/1)  Meet the bank officials or NBHC Business team in your respective locations and handover the KYC documents well ahead of cotton stocking season to take a loan sanction from your desired bank.  Ask the bank or Warehouseman like NBHC to inspect your warehouse ( if you have arranged a warehouse/ Built a warehouse for this) or else Professional warehouses of NBHC are available in major trading centers of Cotton across the country for cotton warehousing & finance.  Warehouseman like NBHC official will first inspect your warehouse and tell you the suitability of storage of bales well ahead of time so that you can plan your stocking accordingly.
  • 7. Process (3/2)Process (3/2)  Once Warehouse is pacced by NBHC then you can stock the bales accordingly.  Sometimes pre-stacked warehouses are also being inspected by NBHC persons to certify both warehouse as well as commodity at one go.  The Quality Sampling is done by the quality personels and then quality certificate is issued for the stocks .  The Control agreement of the warehouse is executed for third party warehouses arranged by the borrower so that lock & key will be there with NBHC. The Warehouse is now under warehouseman's custody where NBHC persons and guards are now responsible for safe warehousing of stocks.
  • 8. Process (3/3)Process (3/3)  Goods Weight is received during inward throughGoods Weight is received during inward through WeighbrigeWeighbrige  Quality is acertained through Quality CertificateQuality is acertained through Quality Certificate  Price is received from Price pooling team .The entire stockPrice is received from Price pooling team .The entire stock is now ensured through proper insurance arrangement.is now ensured through proper insurance arrangement.  Ownership of the goods and warehouse is now clear.Ownership of the goods and warehouse is now clear.  Basic safety arrangements – guards, supervisors, waterBasic safety arrangements – guards, supervisors, water system , fire extingusher, stack cards,pledge boards etcsystem , fire extingusher, stack cards,pledge boards etc are arranged prior to WHR issued to banks.are arranged prior to WHR issued to banks.  Now WHR is prepared and furnished to banks forNow WHR is prepared and furnished to banks for financing to borrower as per the above conditionfinancing to borrower as per the above condition immediatelyimmediately
  • 9. Banks/Borrowers needs aBanks/Borrowers needs a Collateral Manager like NBHC ?Collateral Manager like NBHC ?  10 years of experience in commodity and scientific10 years of experience in commodity and scientific warehouse handling. Bankers will be risk free oncewarehouse handling. Bankers will be risk free once stocks handed over to NBHCstocks handed over to NBHC  Independent assessment of quality,quantity andIndependent assessment of quality,quantity and price of the commodity to make bankers risk free.price of the commodity to make bankers risk free.  Unbiased information & storage consultancy toUnbiased information & storage consultancy to bankers and borrowers at any time during storagebankers and borrowers at any time during storage  Own Laboratory is there so there is no chance ofOwn Laboratory is there so there is no chance of manipulation by any external agency as far asmanipulation by any external agency as far as quality of the goods are concerned.quality of the goods are concerned.
  • 10. For any further query on Cotton Bales Finance and Collateral Management Contact details - Corporate Address of one of the Warehouseman mostContact details - Corporate Address of one of the Warehouseman most popular in India i.e NBHC Limitedpopular in India i.e NBHC Limited National Bulk Handling Corporation Ltd.National Bulk Handling Corporation Ltd. Dynasty Business Park, 7th Floor, A-Wing, Andheri Kurla Road, Chakala,Dynasty Business Park, 7th Floor, A-Wing, Andheri Kurla Road, Chakala, Andheri (East), Mumbai – 400059.Andheri (East), Mumbai – 400059. Tel : +91-22-30631000Tel : +91-22-30631000 Fax: +91-22-30631050Fax: +91-22-30631050 CIN: U63030MH2005PLC152747CIN: U63030MH2005PLC152747 E-Mail: info@nbhcindia.comE-Mail: info@nbhcindia.com URL : www.nbhcindia.comURL : www.nbhcindia.com For Gujarat …. Please contact us :For Gujarat …. Please contact us : +91-9328343074+91-9328343074