A Banker’s Guide to an Enterprise Growth By R K Das On June 26, 2019

Ten Business Growth Commandments 1. Improve CIBIL Record & Ranking Don’t default, even personal credit card payments. Don’t even wait for the last date of repayment. Don’t allow consultants to send your loan application to more than one bank.

Ten Business Growth Commandments Improve Credit Rating Management Business Financial Market It is not about sales growth Dear, but more about PROFITS. Profits improve your Margin, EPS, Networth, Book Value, ROCE, DSCR Take the help of an expert who knows how to improve credit rating.

Ten Business Growth Commandments 3. Strengthen Corporate Governance Strong Board and Management. Spell out succession plan. Compliance to Statutory and Regulatory rules. Transparency in balance-sheets Get periodically checked by experts.

Ten Business Growth Commandments 4. Always know the changes in Govt. rules. Take advantage of Central and State Governments schemes / benefits / private initiatives.

Ten Business Growth Commandments 5. Improve profit through Effective Cash Management Avail Best deposit rate for idle cash Cheapest insurance for factory and business 6. Improve profit by increasing Productivity at office and factory level Leverage technology in every business aspect Modern machines Energy Efficiency – upto 25% cost saving / 25% increase in profit Lean Six Sigma

Ten Business Growth Commandments 7. Improve the image of promoter through good IR / PR Image should be apolitical, business oriented, positive approach by attending various seminars / conferences / publications Greatly help in raising loans and equity Constantly search for market expansion and diversification in-house research / online / expert agencies / government procurement

Ten Business Growth Commandments 9. Don’t hire consultants who promise free work They are getting fees from banks who are charging you actually more through various hidden charges. So, go by RoI, not simply lower interest rate. 10. Health is Wealth. Target Health MBBS. Health of Mind, Body, Balance-sheet and Staff.

HOW WE CAN SUPPORT YOU ANY LOAN ANY TIME Term Loan / Working Capital SME loans & Subsidies, if applicable Mid-Large Corporate loans Export – Import loans / Trade Finance Unsecured business loans Collateral-free loans upto Rs. 1 crore Factoring – Bills discounting Loan against Property and Shares Foreign funding, non-recourse, collateral-free External Commercial Borrowings CPs / NCDs

HOW WE CAN SUPPORT YOU EQUITY / QUASI-EQUITY Venture Capital / Private Equity / Venture Debts Domestic and Foreign Fund raising Start-up funding IPO / Pre-IPO funding Funding against shares

HOW WE CAN SUPPORT YOU NPA RESOLUTION OTS OTS Funding Restructuring Finance NCLT Resolution Business Takeover

HOW WE CAN SUPPORT YOU EXPERT ADVISORY SERVICES Improve Credit Rating Strengthen the Board Strengthen Corporate Governance as per Companies Act / SEBI rules / global good practices Improve IR / PR

HOW WE CAN SUPPORT YOU ADVISORY EXPERT SERVICES Improve productivity – higher profit Avail benefits of Govt. schemes Effective Cash / Insurance Management Finance / SME Business Education Value Creation for the Company Strong networking services at domestic and international level.

ALL THE BEST THANK YOU