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Cent Food Processing – Dal Mill Cluster

Cent Food Processing – Dal Mill Cluster (For identified cluster only)

SN

Parameter

Particulars

1

Nature of Facility

Fund Based

  1. Term Loan.
  2. Working Capital Finance (CC/OD)
  3. Packing credit can be allowed to Dal Mill units who supply to exporters and for which separate stocks are earmarked subject to RBI guidelines and availability of ECGC coverage.
  4. Export Credit like Pre-Shipment/Post Shipment.

Non-Fund Based

  1. Letter of Credit
  2. Bank Guarantee for working Capital

 

2

Quantum of Finance

Minimum: ₹ 0.10 Cr

Maximum: ₹100.00 Cr

 

3

Financial Ratio

The Ratios as applicable for MSME units/ Other units

(For the purpose of Financial Analysis and Appraisal only)

Parameter

Minimum Ratio

CURRENT RATIO

 

1.10

AVG. DSCR

1.25

ICR

1.50

DER
  • Up to Rs.1 Cr: 4:1
  • Above Rs.1 Cr: 3:1

 

FACR

1.33

ACR

1.33

 

4

Rate of Interest

7.70%  floating {Linked to MCLR(3M)}

5.

Collateral Security

Brown Field- 50%

Green Field- 75%

 

With further relaxation of 15% on amount of ₹ 25 Cr and above subject to approval by Competent authority, i.e.

 

Brown Field- 35%

Green Field- 60%

6

Repayment

Working Capital - Maximum period of 12 Months subject to Annual Review/Renewal.

Term Loan – Door to Door tenure 10 years (including up to 18 months of Moratorium period).