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					           Andhra Pradesh Industrial
           Development Corporation
           Ltd
Enriching Society through sustained industrial growth



     PRODUCTS OFFERED
     •EQUITY
     •TERM LOAN
     •MEDIUM TERM LOAN
     •SHORT TERM LOAN
     •BILL DISCOUNTING
     •ESCORT SERVICES
         NORMS FOR PROJECT FINANCE
                 (EQUITY)
For Listed and Un-listed Companies

Eligibility                 Project Cost Rs. 500 lakhs minimum
                            EPS                   Rs. 3.00
                            DSCR                  1.5 : 1
                             IRR                  > 20 %
Quantum                    * 11% or Rs. 100 lacs for Listed
Company
                          * 11% or Rs.25 lacs for Un-listed
Company
                               * (which ever is less)
Book Value                  Rs. 15/- (Rs. 10/- face value)
 Proposed Dividend15 – 18% from 3rd year onwards
LENDING NORMS FOR PROJECT FINANCE
         (LONG TERM LOANS)
  Existing profit track record / New Companies /
          1st Generation Entrepreneurs
 Eligibility             Not more than -
                         75% of tangible assets for Profit Co.
                         65% of tangible assets for New Co.
 Rate of Interest        11.5% Net.
 DER                   1.5 : 1 (Maximum)
Project Cost           Rs. 100 lakhs minimum
Quantum of Loan        Min Rs. 20 lakhs – up to Rs. 500 lakhs
 Prime Security               Fixed Assets of the Company
 Collateral Security 25 to 50% depending upon the risk
                     perception.
 Repayment Period 8 years with 1 year moratorium
 WORKING CAPITAL LOANS


• SHORT TERM CORPORATE LOANS

• MEDIUM TERM LOANS

• BILL DISCOUNTING
SHORT TERM & MEDIUM TERM LOANS
ELIGIBILITY:
Shall have registered office in A.P., with an existence for a minimum period
of 5 years out of which profit making shall be for a minimum period of 3
years.

RATE OF INTEREST:
11.50% p.a. net with quarterly rests.
QUANTUM OF LOAN:
Short Term Loan – Min. Rs. 20 lakhs - Max. Rs.50 lakhs
Medium Term Loan Min. Rs. 50 lakhs - Max. Rs.200 lakhs.

COLLATERAL SECURITY:
125% by way of urban immovable property and personal guarantee of the
Promoters.
REPAYMENT PERIOD:
Norm          Short Term Loan                      Medium Term Loan

Repayment              18 / 12 months               36 / 24 months
Moratorium              3 / 1 months                 6 / 3 months
Mode of Payment      Post dated cheques            Post dated cheques
                BILL DISCOUNTING
            Description            Rate of    Collatera
                                   Interest   l Security
Purchase/Sale Bills Discounting    11.50%     125%
Capital Goods Bills Discounting    11.50%     50%
Bills Re-Discounting               11.00%     125%
LC/Bank Guarantee                  10.50%     NIL
Bills Discounting

   LOANS FOR ACQUIRING PRE-EXISTING
    PRODUCTIVE ASSETS / EQUIPMENT
           Rate of Interest 11.50%
               Collateral Security 125%
         HOW TO ACCESS SERVICES
       PRODUCTS OFFERED                    CONTACT

FOR MEDIUM, SHORT TERM LOANS   Sri K. VENKATESWARA RAO
& BILL DISCOUNTING                      Secy & AGM(Accounts)
FOR PROJECT CONSULTANCY        Sri K. RAGHUNANDAN,
AND TERM LOANS                 AGM(HRD &MIS)

FOR PURCHASE OF SICK UNITS     AGM(AMD)

FOR INDUSTRIAL DIRECTORY       COMPUTER DIVISION
TIME FRAME FOR DELIVERY OF SERVICES

      Equity & Term Loan       .. 45 days
      Medium & Short Term Loan .. 3 0 days
      Bill Discounting         .. 15 days

In principle sanction under Single Window Scheme
within 21 days from the date of receipt of application
              For further details contact
            Vice Chairman & Managing Director,
          A.P.Industrial Development Corpn Ltd.,
                1st Floor, Parisrama Bhavanam,
             Hyderabad-500 004 Andhra Pradesh
         Phone: 23235253 – 6 Fax: 040-23235516
       Email : apidc@ap.gov.in website www.apidc.org

				
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