StudEase

Coaching for CS in Ludhiana

Presentation by Group B

Contact Gagan Sir7837-220-750

Credit related documents Used by the lender To evaluate the

creditworthiness of A prospective borrower

Professional ExpertiseCorrect DraftingProper StampExecutionDuly compilation of formalitiesParties conversant with applicable laws

Moving to new premises

For managing running expenses of the business

Setting up new units

Expansion or Modernization of the existing units

Installation of balancing equipment.

Diversification etc.

For Starting up a business

For increasing production capacity

For development and marketing new products

For entering into new markets

For Take-over or acquisition

For upgrading infrastructure

Project Specification Letters of Intent Promoters Background Promoter’s Net worth Security (as per RBI norms) Interest Rate Repayment Period Moratorium period Cost of Project Ratio Analysis General Information(Case to Case)

Cost of the Project Promoters Contribution Capital structure Debt Equity Ratio Break Even Point & Sensitive Analysis Projection of future profitability Cash Flow Working Capital Existing Investment

Loan Documentation- Problems & Procedure

Product Specification Marketing Strategy Demand & Supply Position, Cost & Price structure

Location of the Projects Internal exchange rate [ier] Social cost benefit analysis Economic rate of return

Energy conservation Use of alternate source of energy

Expansion of technology in backward areas Risk assessment Rating

Letter of Intent/Industrial License Approval for foreign technical and/or

financial collaboration arrangement. Clearance for Capital Goods Committee of

the Central Government for import Clearance under FEMA Approval from various relevant authorities

Term Loan- both rupee and foreign currency

Equity Participation

Underwriting of Shares and Debenture

Subscription to Shares and Debenture

Financial Guarantees- both rupee and foreign currency for deferred credits and loans raised from other sources

Working Capital facilities

Amount of money required How quickly the money is needed Cheapest option available Amount of risk involve Length of time

Description of the project Promoters, management and technical

assistance Market and sales Technical feasibility, manpower, raw

material and environment Investment required, project financing and

returns Government support and regulations

Banks have different models for rating the credit needs of the borrowers depending upon

1. Nature of assistance 2. Project for which assistance has been

sought.

Banks have a ten scale rating of the borrowers, the first five being “PASS GRADES” and last five “PROBLEM LOAN GRADES

Memorandum and Articles of Association/Bye-laws. Balance sheet for past five years List of directors and their external directorships List of Subsidiaries and its shareholding List of members holding 5% or more shares along with

the relationship which they have with the company’s directors.

Detailed note on the research and development activities.

copy of government’s order converting the land into industrial land, if applicable.

plan and sectional elevation of building.

Loan Documentation- Problems & Procedure

equipment layout or plan of building indicating the flow of material.copy of the agreement with architectCopy of letter of sanction for power.Copy of agreement with electricity board.Copy of electrical layout of the plant.A Copy of the letter of sanction of water by municipal or local authorities, where applicable.Copy of the water analysis reportCopy of the project report.Copy of the approval from government for foreign collaborationLayout for the water system.Layout of steam system.Layout of plant for compressed air, fuel etc.Copy of the approval from concerned authorities for the disposal of effluents and arrangements proposed to be made therefore.

Copies of letter sanctioning financial assistance received from various other agencies.

Market survey report. Agreement with the selling agents. Copies of-

1. Letter of intent 2. Industrial license

3. Capital goods clearance 4. Import license 5. Foreign exchange permission 6. Approval of technical/financial collaboration Clearance under MRTP Act.

Poor Credit Rating Lack of Information Incomplete business plans & forecasts Risk Involved in Business High Cost of Finance High security requirements Inability to manage operations efficiently Other problems

◦ Time Consuming◦ Vague◦ Difficult to understand

Preparation of project reports & feasibility studies.

Syndication of long term & Short term loans from financial institutions, banks and other agencies.

Loan documentation, registration of charges and search and status report.

Act as consultant of issue of security

Raising funds form international market – ADR, GDR and ECB.

Liaisoning with financial institution and banks. furnishing periodical returns, reports and other information to other securities.Drafting of various agreements, letters and other documents.

Keeping in view the various requirements for filling the

composite application forms, specific guidelines have been

issued by banks.

The application shall be in the prescribed form, with relevant

enclosures.

The loan documentation is the most important part of the

process of taking financial assistance as it contains all the

terms and conditions to be satisfied by the borrower & lender

in future.

Why StudEase ?

Guest Lectures

Secretary, DBA Official from Securities Exchange Board of India

( SEBI ) Official from CRISIL ( Best rating agency in India ) Company Secretaries with industry experience. Addl. District Attorney, Patiala. Advocate, Supreme Court of India.

Visits To District Bar Association Consumer Courts Sales Tax Commisionerate Annual General Meeting Vardhman Textiles

Limited.

RESULTS..

Results Speak Louder All India Rank 1 CS Foundation 2012 Best results. Expert faculty for separate areas of

coverage. We have associated CA’s , Lawyers , CS. Industry exposure.

Hindustan Times Article dated 13th April,2014

StudEase – An institute with a difference.

StudEase is linked with the journey of an individual to find out the true meaning of Education. This track of quality education has been laid down by diverse skills and qualification of the founder member of institute Mr. Gagan Deep Singh ( B.Com, MBA, CS, LLB ).

The success of the students is inspiring and so is the faith of students in StudEase Tutorials which has helped the institute to emerge as one of the preferred institute for CS coaching in the region. To provide the students with the knowledge and practical approach towards the subjects the institute has started live trading exposure sessions, visit to corporates and lectures by guest faculty with industry experience.

“ We , at StudEase Tutorials believe that there is no substitute to hardwork, especially if one intends to join India’s premiere corporate house.”

The dream of the Director to start an institute with world class infrastructure and quality education which helped the institute to bag ALL INDIA RANK 1 CS Foundation 2012 in the initial year of its set up. The institute has the dedicated team of professionals - CA, CS and Advocates.