The document discusses various loan products and services provided by State Bank of India to small and medium enterprises (SMEs). It outlines SBI's leadership in cluster financing and customized products to meet SME needs. Key loan products discussed for term loans and working capital include term loans, cash credit, bill discounting. The document also highlights SBI's project uptech for modernization assistance and consultancy services to new entrepreneurs.
It's a current buzz in the banking sectors that the company like Reliance, Airtel , Aditya Birla & many more are going to make their banks soon........
It's a current buzz in the banking sectors that the company like Reliance, Airtel , Aditya Birla & many more are going to make their banks soon........
A PROJECT REPORT ON LEVERAGING DIGITAL CHANNELS FOR ENHANCING CUSTOMER EXPERI...Vaibhav Dubey
The Project Report provides a deep knowledge about the ICICI Bank & its offerings & how it is leveraging digitization.
Also one will get to know about micromarket study.
The Report is based on the analysis of Foreign Exchange Operations AT DCB Bank. It involves the complete transaction process of Inward and Outward Remittance. The Documentation required for this purpose. These transactions are mainly involved for the individuals who are in the Export and Import Business.
ICICI Bank means industrial credit and investment corporation in India . from this presentation you know all about of ICICI bank profile and strength , weakness , opportunities and treat of ICICI bank . It is 2nd largest bank in India.
This is a document that covers the MSME financing in India. It explores the financing sources and problems in India. It talks about working capital financing via factoring and reverse factoring, cluster financing, Germany's cluster financing, listing looking at alternativa model of listing of ventures, and Thailand's SME bond markets. It also covers the need for policy redefinition of MSMEs and policy support required.
A PROJECT REPORT ON LEVERAGING DIGITAL CHANNELS FOR ENHANCING CUSTOMER EXPERI...Vaibhav Dubey
The Project Report provides a deep knowledge about the ICICI Bank & its offerings & how it is leveraging digitization.
Also one will get to know about micromarket study.
The Report is based on the analysis of Foreign Exchange Operations AT DCB Bank. It involves the complete transaction process of Inward and Outward Remittance. The Documentation required for this purpose. These transactions are mainly involved for the individuals who are in the Export and Import Business.
ICICI Bank means industrial credit and investment corporation in India . from this presentation you know all about of ICICI bank profile and strength , weakness , opportunities and treat of ICICI bank . It is 2nd largest bank in India.
This is a document that covers the MSME financing in India. It explores the financing sources and problems in India. It talks about working capital financing via factoring and reverse factoring, cluster financing, Germany's cluster financing, listing looking at alternativa model of listing of ventures, and Thailand's SME bond markets. It also covers the need for policy redefinition of MSMEs and policy support required.
This is presentation being presented by Shivi Aggarwal, Radhika Gupta, Sweta Agarwal and Madhusudan Partani Students of FORE School of Management ( FMG-18).
It has Guidelines of HFC, Busniess Model of HDFC
Watch full video on YouTube -
https://youtu.be/f3VgVOgAUoE
Credit management is the process of granting credit , setting the term its granted on, recovering this credit when its due and ensuring compliance with company credit policy.
The difference in the rate of interest that a bank charges on the amount lent and the rate it pays to the depositors is technically called spread or interest rate spread.
This spread bank has to use to meet all its overheads and interest on deposit but also provide for NPA.
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What Is A Working Capital Loan?
Why Firms Need Working Capital Loan?
Advantages of Working Capital Loan
Types of Working Capital Loans
Eligibility for working capital loan
Documents required
How to apply for a working capital loan
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
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The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
2. State Bank of India
With You – All the Way
Loans to SME Units
Presented by:Bipin Bhardwaj,
DGM SME,SBI,NEW DELHI LHO
3. Cluster Financing
• SBI is a pioneer and the market leader in Cluster
Financing
• Widest coverage with presence in almost all the
clusters
• Customised products for meeting the varying needs
of customers
• Has financed lakhs of SME units including first
generation entrepreneurs
4. Advantages - SBI
• No Collateral Security required for loans below Rs.5 lacs
• Understands the needs of the units better
• Wide range of products
• Competitive rates of interest
• Coming up with simplified Credit Scoring Models for each
industry
• Helps strengthen Supply Chain Linkages by catering to the
needs of all the players
• Availability of an experienced Technical Team
5. Needs Addressed
Fund Based Needs:
• Term Loans
• Working Capital Needs
• Bill Purchase
• Export Credit (Packing Credit/Post shipment Credit)
in rupees and foreign exchange
Non-fund Based Needs:
• Letter of Credit
• Bank Guarantee
6. Term loan needs
Fixed Capital Expenditure:
• New Projects
• Expansion
• Modernisation
• Technology Upgradation
7. Working capital needs
• Finance Inventories and Receivables
• Pre-shipment and Post-shipment Finance
• Bill discounting
8. Products for Term loans
• Term Loan
• General Purpose Term Loan for SSIs
• Open Term Loan
• Car Loans
9. Products for WC Requirements
• Cash Credit
• SME Credit Plus
• Standby line of Credit
• Bill Purchase/discount
• EPC (Export Packing Credit)
• PCFC (Packing Credit in Foreign Currency)
• EBRS (Export Bills Rediscount Scheme)
10. Customised Products
• Open Term Loan
• Mortgage Loan for Traders
• Car Loan for SME Units
• Rice Mill Plus
• Dal Mill Plus
11. Project Uptech & Consultancy Cell
Project Uptech:
• Unique concept which no other bank can boast of
• Helps in modernisation, cost reduction and quality assurance
• 28 clusters covered:foundry, auto components, agro
pumps, rice mills, glass industry and sago
Activities Undertaken:
• Provide Technical support
• Detailed Unit level studies
• Assists in preparing Business Plan
12. UPTECH package
• To facilitate funding of upgradation projects
Concessions Given:
• Reduced Margins
• Low interest rates
• Interest free Equity fund assistance: Upto one lakh
• Need based WC requirements
• Assistance in implementation of technical aspects
13. Consultancy Cell
• Provides Counselling support to first time
entrepreneurs
• Techno-economic feasibility
• Industrial dossiers and database
• Conduct industrial management programs for
entrepreneurs
• Entrepreneurship Development Programme
14. Recent Initiatives
• Intensifying Cluster Financing efforts in five
major industries
• Pharmaceuticals
• Textile
• Auto ancillaries
• Engg. & Fabrication
• Food Processing
15. Recent Cluster Initiatives
• Auto ancillary- Gurgaon, Pune and Chennai
– Simplified scoring model to enhance Credit flow to Auto ancillary
clusters across the country
• Bellary Jeans Cluster identified for Project Uptech by SBI
• Taken up initiatives to finance Apparel and Weaving parks
– Bridge loans given to Implementation Agency for creating
infrastructure facilities for the park
– Loans under Group workshed scheme for setting up units
– Loans under TUFS for acquiring machinery
17. Studies initiated so far
• Textiles: Ludhiana, Bellary & Surat
• Pharma: Hyderabad, Baroda & Parwada
• Auto ancillaries: Gurgaon, Pune and Chennai
• Food Processing: Chittoor & Krishnagiri
• Engineering: Batala
• Others: Sivakasi, Morvi & Khurja
18. SME Characteristics
• SMEs: Very attractive segment for banks
loyalty
large number
potential for profitability.
• SMEs primary needs:
Quick and timely availability of credit
Understanding of business needs
Physical proximity
reliability
service
19. TRADERS EASY LOAN
Purpose
• To Provide hassle free finance to borrowers in
trade & services sector who are willing to furnish
mortgage of property of adequate value.
20. Eligibility
1. Existing customers.
2. New connections including takeovers.
3. First generation entrepreneurs as well as promoters of
existing units for the purpose of setting up new unit.
The following categories of borrowers will be covered
a) Small business enterprises
b) Retail traders/wholesale traders
c) Professional and Self employed
21. Special features of the Product
• Nature of facility - Term Loan/Cash Credit.
• Quantum of Loan - Minimum Rs.25,000/Maximum Rs.10.00
crores.
• Interest Rate
Cash Credit: @ 0.50% below SBAR
Term Loan: @ 0.25% above SBAR
• Repayment - upto 60 months
• Security
Primary: Hypothecation of stocks and receivables.
Collateral: Mortgage of land & building of realizable value of
133% of loan amount
22. Terms and Conditions
• Mortgaged Property- 65% of the realizable value of the property.
(Realisable value of the property will be decided on the basis of the
valuation report, which is not more than three months old, of an
approved valuer).
• Term Loan review, Cash Credit renewal on an annual basis, on the basis
of the level of activity, credit summation in the account, the interest
serviced up to the previous quarter end, and the installments paid.
.
• Stock statement to be submitted once at the time of execution of
documents and every three months.
• Insurance for the full market value of the Property to be mortgaged with
Bank and comprehensive insurance for market value of assets acquired
out of loan.
23. RESTAURANT PLUS
Eligibility
• Individuals (proprietorships)
• Partnership firms
• Corporates
• Trusts (with borrowing powers)
Who are owners of Restaurants or Fast food
chains
24. State Bank of India
With You – All the Way
Open Term Loan
25. Purpose
To provide term loan to the SME
units with pre-approved limits for
multiple needs of the organization
throughout the year
26. Needs Addressed
• Zero sanctioning time
• Covers all business needs
• Convenience of closing deals with suppliers
instantaneously, with pre-approved limits
• Liberty to decide when and how much finance
required
27. Special features of the Product
• Pre-sanctioned term loan limit up to a maximum of Rs. 250
lacs, valid for a period of 12 months
• For
• Addition/replacement of machinery
• Building or modernizing factory
• Traveling abroad
• Buying new hardware/software,
• Replacing tools, jigs and fixtures
• Any other business related purpose
• Withdrawal as per requirement
• Application is required only once a year
28. Terms and Conditions
• Maximum limit of Rs. 250 Lacs (This limit may
be relaxed on case to case basis)
• Loan sanctioned valid for a period of 12 months
• Repayment period generally not to exceed 3
years after the end of 12 months
• 10% uniform margin
• Interest rates linked to credit appraisal
• Simplified documentation – Based on financial
statements including FFR Forms
30. Purpose
• To provide with financial assistance to dealers of
<<company>> for
– Working Capital
– Expansion of the Outlet/Showroom
– Service station/Other facilities construction
– Takeover of existing facilities with other Banks
• To provide the company quicker remittance from
the dealers across the country
31. Needs Addressed
Dealer <<Company>>
– Organized source of – Facilitates Expansion
finance – Zero receivables
– Cheaper source of – Franchisee loyalty
finance – Efficient Cash
– Quicker availability of Management
funds – Higher Franchisee
– Attractive terms and commission
conditions – No float funds
– Easy remittance
32. Facilities/Products to be offered to
Dealers
• Cash Credit for Working capital
• LC/Bank Guarantee/Standby Line of credit over and above
cash credit for special needs
• Term Loan
– For expansion of outlet
– For construction of service centre etc.
• Corporate Internet Banking (CINB) for direct remittances
33. Procedure for remittance of
funds from dealers to Company
• Dealers debits his cash credit account through CINB
and authorize credit in Company’s account
• Company faxes a copy of the Invoice to the Branch
maintaining Dealer’s account
• After the event of sale, the dealer deposits money in his
CC account
34. Terms of Sanction
• Subject to establishment of viability
• Acceptable Credit rating on Credit Scoring Model
• Acceptable score on Risk Matrix
35. Terms & Conditions of financing
• Eligibility – All
individuals, associations, trusts, societies, partnershi
ps, corporates having dealership agreement with
Company
• Processing charges - 1% of the Term Loan amount
(Service and other applicable taxes extra)
36. Advantages for Company
• Same day direct credit from Dealers
• MIS of payments via CINB
• Pan India coverage for all dealers through
single account
37. Advantages for Dealers
• Flexible terms and conditions
• CINB for bypass of Branch
• Quicker organized finance availability
• Easy remittances
38. SBI Advantage
• Most experienced financer in Trade financing
• Special sanctioning cells (SECC & CPC) for quicker
turnaround time of sanctioning and disbursal
• Account Relationship Manager for entities with more
than Rs.1 crore turnover
• Dedicated branch network
39. Check out more great forwards at
vparakhiya@rediffmail.com
vparakhiya@gmail.com