Practice Brief • Registrations, Licenses & Regulatory Compliance
Insurance Solutions & Bank Loan Syndication
Bank debt syndication (CC/OD, Term Loans, Project Finance) and corporate insurance advisory.
Turnaround: 5 to 7 business days for CMA Data & DPR; bank liaison as per banking cycles
Practice Lead: CA. R.A. Dhoot & Banking Debt Advisory Desk
Practice Methodology & Regulatory Scope
Navigating bank loan approvals requires rigorous financial engineering. We prepare Credit Monitoring Arrangement (CMA) data, bankable Detailed Project Reports (DPR), debt service coverage ratios (DSCR), and liaison with commercial banks to negotiate favorable credit limits and interest terms. Simultaneously, we advise on comprehensive corporate asset and liability insurance coverage.
Governing Statutory Acts & Guidelines
RBI Master Circular on Loans and Advances
Banking Regulation Act 1949
IRDAI Corporate Insurance Guidelines
Tangible Client Deliverables
1
Preparation of 5-year past and 3-year projected CMA Data sheets for bank credit committees2
Detailed Project Report (DPR) covering market viability, cost of project, and means of finance3
Syndication of Working Capital Cash Credit (CC) / Overdraft (OD) limits and Bank Guarantees (BG)4
Collateral-free CGTMSE loans for eligible MSME manufacturers and service providers5
Corporate insurance audit: Group Health, Standard Fire & Special Perils, and Keyman InsuranceMeasurable Enterprise Safeguards
Expedited loan sanction with bank credit committees due to professional CA-certified financial projections
Optimized drawing power (DP) calculations maximizing working capital availability
Substantial savings on loan processing fees and insurance premiums through structured advisory
Statutory Practice FAQs
Q: What is CMA Data in bank loans?
A: CMA (Credit Monitoring Arrangement) Data is a structured format mandated by the Reserve Bank of India where a business's historical, current, and projected financial statements are analyzed to determine fund-based working capital eligibility.
Q: Can an MSME get a bank loan without collateral security?
A: Yes, under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme, eligible MSMEs can secure collateral-free term loans and working capital facilities up to ₹5 Crores with credit guarantee cover.
Partner Consultation
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Schedule an in-person chambers discussion or encrypted virtual conference with our senior practice leader.
Designated Partner Lead:
CA. R.A. Dhoot & Banking Debt Advisory Desk
ICAI Fellow Chartered Accountant
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