How to Borrow from Banks and Financial Institutions

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Description
Since the publication of the first edition of this book in the year 1998, there has been a sea change in the Indian Commercial Banking and Development Banking Scenario. The once famed trinity of All India Financial Institutions viz. IDBI, ICICI as well as IFCI have a different look today than what they were in the last decade. Universal Banking is a reality with institutions serving all sorts of clients under one roof. The commercial banks too are innovating with different products and concepts. Though still sector specific institutions like NABARD, Exim Bank, SIDBI and National Housing Bank continue to play their role, commercial banks have a much larger field than what they had many years back.
This book is divided into the following divisions:
The first division deals with the introductory aspects of credit. The second division is about the Universal Banks viz. IDBI and ICICI and Sector Specific Institutions e.g. SIDBI, Exim Bank as well as Specialised and State Level Institutions. The third division deals with the credit dispensation by the Banks. The next division deals with lending to specific sectors including the Priority Sector and lending for the Export Trade and the last division deals with certain general matters like loan documentation, securitisation and recovery of debts, etc. This book should be a useful referencer for borrowers as well as practitioners of bank borrowing who deal with banks on behalf of their clients.
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Contents
Division I – General
Chapter 1.    Introduction to Borrowings
Chapter 2.    Banking Industry-Statutory Prescriptions
Chapter 3.    Financial Statements of Borrowers — Analysis and Interpretation
Chapter 4.    Components of Cost
Chapter 5.    Ratio Analysis
Chapter 6.    Credit Rating and its Relevance of Financing
Division II – Appraisal of Term Lending
Chapter 7.    Appraisal of Long-term Requirement of Funds
Chapter 8.    ICICI Bank Limited
Chapter 9.    Export Import Bank [EXIM Bank]
Chapter 10.  Small Industries Development Bank of India
Chapter 11.  State Bnk of India
Chapter 12.  State Level Financial Institutions
Chapter 13.  Institutions in the Power Sector
Chapter 14.  Other Financial Institutions
Chapter 15.  Post Sanction and Loan Documentation Procedures —
                       Financial Institutions
Chapter 16.  External Commercial Borrowings
Division III – Lending by Banks to Large Units
Chapter 17.  Lending by Banks
Chapter 18.  Assessment of Working Capital Requirements
Chapter 19.  Regulatory framework related to lending by banks — Tandon,
                       Chore and Kannan Committees
Chapter 20.  Consortium Lending
Chapter 21.  Infrastructure Financing
Chapter 22.  Raising Private Equity and Venture Capital
Chapter 23.  Commercial Paper
Chapter 24.  Loan System for Delivery of Bank Credit
Division IV – Lending by Banks to Specific Units
Chapter 25.  Export Financing
Chapter 26.  Small Scale Industrial Units and SME Sector
Chapter 27.  Factoring
Chapter 28.  Priority Sector Lending
Chapter 29.  Bank Finance to Leasing and Hire-purchase Companies and
                       Banks' Leasing Business
Chapter 30.  Lending to Software Industry
Division V – Some General Matters
Chapter 31.  Bank Credit and Sick Units
Chapter 32.  Recovery of Debts and Securitisation
Chapter 33.  Retail Lending
Chapter 34.  Miscellaneous Advances
Chapter 35.  Non-fund Based Facilities from Banks
Chapter 36.  Banking Ombudsman Scheme, 2006
Chapter 37.  Micro Finance and Financial Inclusion
Subject Index
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Author Details
Mr. T.R. Ramamurthy, B.Com., PCS, CAIIB, Dip. in Management, aged 52 years, is in active practice as a Company Secretary based at Delhi for the last about ten years. Prior to that he was in employment as Company Secretary for about fifteen years and was associated with Bareilly Corporation Bank Limited for about seven years and other companies in the private sector. Mr. Ramamurthy has specialised in Corporate Finance, Secretarial practice as well as in foreign exchange matters. Mr. Ramamurthy has also authored books on FEMA and Money Laundering brought out by the same publishing house.
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