| Borrower | M/s. XYZ Retail Ventures Pvt Ltd |
|---|---|
| Lender | ABC Capital Finance Limited ("ABC") |
| Facility | Term loan of an amount of INR 3,00,00,000/- (Indian Rupees Three Crore Only) |
| Subordination | Unsubordinated |
| Interest Rate (%) (Floating) | 15.25% p.a. |
| Processing Fee (%) | 1.00% + GST |
| Legal & Documentation charges | Rs. 30,000 + GST |
| Cash Collateral | 10.00% |
| PRR | Rs. 2,00,000/- (Subject to clear payment track record and Nil DPD) |
| Penal Charges (%) | 36% (Thirty-Six per cent) per annum |
| Facility Tenor (in months) | 24 Months |
| Overall Exposure | Rs. 3.74 Crore |
(a) If prepayment is made within 6 months from the date of disbursement, a prepayment penalty of 5% plus applicable taxes will be payable on the outstanding principal amount prior to the prepayment.
(b) If prepayment is made post 6 months from the date of disbursement, a prepayment penalty of 4% plus applicable taxes will be payable on the outstanding principal amount prior to the prepayment.
Each covenant category is tracked through a distinct lens, surfacing risk before it becomes tomorrow's exception.
Verify capital adequacy, leverage and regulatory ratios against the minimum thresholds defined in the sanction terms.
Monitor portfolio quality, concentration and growth against the limits defined in the sanction terms.
Verify that security cover and structural protections continue to comply with the sanctioned covenant requirements.
Track timely submission of financial statements, certificates and reports required under the sanction terms.
