Regarding the second case this practical issue we also face, did the borrower has availed a lot of business loans however the sales team argues that we are applying for a CC OD facility and since BL is a term liability it shouldn't be considered in overall assessment that is 20% of the overall turnover. How do you see that
So be it Assessment by any means, TO method or the Operating Cycle, Factoring the BL has into the overall Gap is what u suggest. Even I believe that. Because just the method of TL assessment is different it can't be a back door for over funding. I understand that there are cases wherein due to some legit reason the CR is not meeting and then we have to structure the facility partly in CC/OD or TL but it should be within that need of WC.
I can't specify. This is just an instinct.. we can't obviously make them part of turnover or MPBF. It's just that we need to assess overall fund requirements of the borrower and if client has already taken support from elsewhere in any form then we should make our lending decision accordingly
@@AnkushJain meine shri raam finance se refinance kraya h 4 din ho gye sanction letter aur agreement ki pdf aayi h jb unhone leegality kri thi pr kuch smjh nhi aa rha h loan confirm hua ki nhi
