This document outlines the terms and eligibility for private financing available to stressed borrowers. Key details include: - Loan amounts between Rs. 10 crore to Rs. 3000 crore with a maximum tenure of 8 years and an interest rate of 12% paid upfront every 6 months. - Collateral of 50-60% of the immovable property valuation is required. - Eligible sectors include manufacturing, real estate, logistics, and more. Ineligible sectors include film, leather, solar and hydro power projects. - Applicants must provide documents including financial statements, bank statements, property documents, and pay fees before final approval and disbursement of funds.

1. PRIVATE FINANCE AVAILABLE TO STRESSED BORROWERS
SCHEME & ELIGIBILITY:
A) Finance/ Loan Amount - Min:– Rs.10 Crs Max:–Rs.3000 Crs;
B) Tenure – Maximum upto 8 years;
C) Rate of Interest – 12% p.a. (6 months interest to be paid upfront at the
beginning of every 6 months) (First upfront Interest to be paid in
(C))(Interest is applicable under reducing balance Method);
D) Repayment Options : i. Either in equated instalments OR
ii.Unequated/Lumpsum every quarter/ half year/
yearly, without any foreclosure charges;
E) Collateral: Immovable Properties (50-60% Loan will be considered of the
Property valuation).
F) Eligibility :
Mortgage loan, business loan, project loan, NPA restructuring, foreign
projects;
Manufacturing, Real Estate & Construction, Logistics & Transportation,
Trading Business,Export & Import Houses, Retail & FMCG, IT & Other
Related Companies, Steel, Mines,Shipping Companies, Hospitals, Schools &
Educational Institutions etc.
Not Eligible to :
Film Industry / Leather Industry / Solar Power Project / Hydro Project /
Govt Project Oriented Companies

2. REQUIREMENT OF DOCUMENTS:
i. Company & Business Profile;
ii. Certificate of Incorporation
iii. Proof of Address of the commercial establishment ( Corporate office
as well as registered office);
iv. 3 years audited financials (with tax audit report in case the Turnover
is >100 Lakhs);
v. 3 years ITR and computation of the Company
vi. Last 6 months bank statements ( latest );
vii. KYC of the Directors/ Guarantors;
viii. 3 years ITR of Directors/ Guarantors;
ix. 3 photographs of the Directors/ Guarantors
x. Chain of Agreement copies of the Immovable Property/ies
PROCEDURE:
Step 1 : Aforestated Documents to be sent to the Financer;
Step 2 : Documents will be vetted by Legal & Finance Team At
Chennai;
Step 3 : Once Proposal is Principally Okayed, then Borrower has to
visit the Financer in Chennai;
Step 4 : On Successful Meeting, the financer will depute a person to
Company of the Borrower for physical verification and
viability of the property and also verification of the existence of
the company;
Step 5 : The Borrower to:
a) reimburse the Airfare of the representative inspecting the
property and the premise/(s);
b) ACheque of Rs.1,00,000/- (as Stamp paper cost –
irrespective of the quantum of Loan);
c) A cheque of Rs.1,00,000/- towards the Legal Fees;

3. Step 6 : The Borrower alongwith the Facilitator to visit the Financer
with the following for immediate disbursement:
i. 4 -5 Cheques to be placed as additional collateral of the
valid and active bank account in operation;
ii. 3 ID Proofs of the Directors/Guarantors (Aadhar/ Pan
card/ Electricity or Tel Bill)
iii. Upfront Interest in (C) for the 6 months applicable on
the loan amount;
iv. The original papers of the property which should be
title free alongwith the chain of agreements.
Step 7 : The Borrower to sign all the loan agreements and other legal
documents;
Step 8 : Take the Demand Draft of the loan sanctioned.
Direct financier Mr. Mohammed zebril 07358319704/ 08939243500
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