In this series of Project financial Explained we discuss techniques to determine the progress of an ongoing project. Also, how to keep track that the promoters have actually brought their promised margin during the course of the disbursements. Follow these and you will not be fooled by promoters.
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Ongoing monitoring of term loans in project financial during the phase-wise release of term loans is very important for a banker. This tutorial is to determine how much money the promoter has actually brought as margin in the term borrowing he has taken from the lender. Here we show you a sample format of an End Utilisation Certificate from a CA and compare it with the Lender’s Independent Engineer’s Report.
An End Utilisation Certificate tells us the financial progress of a project in project financial by lender
Lender’s Independent Engineer’s Report shows the physical work progress of a project for which you have given the project financial
By using these two tools we can determine if the promised margin is brought by the promoter in the term borrowing.
We discuss in short what is an escrow account in case of monitoring costs of a project which took term borrowing from your lender. We also discuss what are the alternatives for End Utilisation Certificate from a CA in case of small MSME term loans.
Check out our other tutorials in this series –
Project financial Explained #1 – Correct Calculation of Term borrowing Margin –
https://youtu.be/yyAFC-oeM2o
Project financial Explained #2 – study of Sources of Funds of Promoters (Case Studies)- https://youtu.be/WculahwbPk0
Project financial Explained #3 – Assessing Promoter’s Financial Capability (Case study) – https://youtu.be/ITKpIuQDG1Y
General Guidelines-
How to Check Unique Document Identification Number (UDIN) Online? –
https://youtu.be/cP-jcBJF79o
How to Check firm Registered or not in India? – https://youtu.be/1PhMXYYl-6g
Working capital-
Working Capital Limit Calculation: Common Mistakes No One Teaches(Especially MSME) – #1 – https://youtu.be/yTOj9BBK_Y8
Working Capital Limit Calculation | Renewal of Accounts with Problematic Financial Ratios(MSME) – #2 – https://youtu.be/zld4PnOPLSM
Turnover Method for Working Capital Assessment – Application | Limitation | Detailed Case Study – https://youtu.be/fg1JW2aDPH0
Trade financial-
Trade financial Basic Concepts | Methods of Payment | Parties Involved –
https://youtu.be/WAj7oR3HKMc
Letter of borrowing Basic Concepts | Process Flow | Parties Involved –
https://youtu.be/7gfg_LN6-YI
Documentary Collections in Trade financial | Payment & Acceptance Methods Process Flow | Banker’s Role – https://youtu.be/MTjdxUoitN8
Restructuring of MSME Loans under latest RBI Guideline | Step by Step Guide | Tips | Sample Proposal – https://youtu.be/iPcrNKxfvAU
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