DATE: Type of Project >>>>

COMPANY NAME : Project Name:

COAL GAS

Stage of the Project

Pre-Construction Construction

Pre-Construction

Construction

Total Weights Total Score Total Weights Total Score

Risk parameter
I. Pre-Construction Risks 1. Statutory Clearances 2. Non-Statutory Approvals 3. Finalization of Key Contracts 4. Design Parameters II. Construction Risks III. Operations & Maintenance Risks 1. Operational Risks 2. Sales & Offtake Risk 3. Political/Economy and Social Risks 4. Force Majeure Events 5. Techno Economic Parameters IV.Financials Total Score Obtained 30 5 2 13 10 40 10 10 30 5 2 13 10 40 10 10

20 100 100

20 100

HYDEL

the Project
Operations & Maintainence

Operations & Maintenance

Total Weights Total Score

Project Grading Matrix Stage of the Project>> Pre-Construction Construction Total Score Grade Assigned to Project Grading Matrix >>> 80 and above Above 65 and below 80 Above 50 and below 65 Below 50 PP1 PP2 PP3 PP4

100 PC1
PC1 PC2 PC3 PC4

Ops.&Maint.

PO1 PO2 PO3 PO4

No.

Type of Risk

Applicable Y/N Weightage

Adjusted Wt.

Marks Awarded Out Of 10

Gr

I.1

Approvals/Permits/Clearan ces Statutory Clearances

10

10

TEC Obtained

Techno-economic clearance from CEA

10

10

Allocation Obtained

Water Availability

10

10 State Government Acceptance Ontained

SPU/State Govt. clearance

10

10

SG's Consent Obtained

Pollution Clearance (water and air)

10

10 EC Issued

Environment Clearance (EC)

10

10 Approval from MoEF/SGMoEF

Forest Land Clearance (FC)

10

10 Obtained Aviation Clearance

Civil Aviation Clearance for chimney height

0.5

0.5

10

10 Obtained

H I.2

Other Statutory Clearances Non-Statutory Approvals/Requirements

0.5 5

0.5 5

10

10

Available as per Normative Total Requirement

Land/Site

10

10 Very Good

Access

10

10 Obtained

C 1.3

Others Finalisation of Key Contracts PPA - Quantitative

10

10

40

40

Signed PPA for at least 60% of Capacity

1 2

PPA - (% of capacity) PPA-Tariff

Y Y

2 2

2 2

10 10

10 Highly Favorable 10

Very Good

PPA- Term

10

10

Very Good

PPA - Qualitative

10

10 Fuel Required at Normative Availability (NA) for 12 Years is tied up 10

Fuel Supply

Y 2
EPC

10
NON-EPC

10

10

A ) Project Implementation Structure

EPC Contractor Finalized and EPC Awarded

Status of EPC contract

10

10

Experience of Power Sector

Contractor

10

10

Advantageous

Contractor's Relation with Owner's Group B) Project Implementation Structure

10

10

Supplier Finalized and Contract Awarded

Status of BTG Package

10

10 Supplier Finalized and Contract Awarded

Status of BOP Package Owner's, Owner Engineer's Experience/Track Record

10

10

Very Good

10

10

Contacts Awarded

O & M Contracts

10

10

Contacts Awarded

G I.4

Others Design Parameters

1 15

1 15

10

10

Thermal

Hydro

Gas

Project Cost

10
Thermal

Hydro

Gas

Availability Factor

10
Thermal

Gas -Open Cycle

Combined Cycle

Heat Rate

10
Thermal

Gas

Combined Cycle

D E F II.

Auxiliary Consumption Secondary Fuel Consumption DPR Consultants Construction Risk

Y Y Y

2 2 2 15

2 2 2 15

10
Thermal

10
Very Reputed

10

10

Acquired at least 75% of Requirement

Land/Site Plant Site - Forestry Clearance

10

10 Stage 2 Clearance Issued

10

10 No History/Very Low Risk

Natural Disaster Risks

10

10

Very Good

Evacuation Infrastructure

10

10

E IV.

Evacuation Infrastructure Forestry Clearance Project Financials

Stage 2 Clearance Issued

2 15

2 15

10

10

70:30

Debt-Equity Average DSCR IRR Return on Equity Break Even PLF (@ DSCR =1)

Y Y Y Y Y

4 4 3 2 2

4 4 3 2 2

10 10 10 10 10

10 > 1.5 10 REC PLR +4% 10 >18% 10 60-70% 10

Grading Guidelines

Total Scored

10
DPR Submitted Feasibility Study Done Pre-Feasibility (Survey of Site) Rejection

1.0

In-principle Approval In-principle Approval from SG Obtained for from SG Obtained for Full requirement partial requirement

Source Identified

Rejection

2.0

Applied For

Rejection

2 Applied For Consent of the SPCB

1.0

Rejection

8 Public Hearing Completed

6 Scoping (TOR Issued)

2 Screening Completed

0 Rejection

1.0

8 In-Principle Approval from MoEF

4 SG Forestry Recommends

2 Application for Diversion of Land

2.0

Rejection

2.0

Applied For

Rejection

2 Applied For

0 Rejection

0.5

0.5 5

About 80% or above of the Norms

About 60% or above About 40% or above Less than 40% of the (<80%) of the Norms (<60%) of the Norms Norms

8 Above Average

6 Average

4 Below Average

0 Poor

8 -

6 -

2 Applied For

0 Rejected (0)

Rejected (0)

40

LOI issued in Bids/PPA under negotiation 8 Favorable 8

Submitted Bids but not Pre-qualified for Successful Case 1, Case 2 Bids 4 Moderately Favorable 6 2 Lowly Favorable 2

Not Yet Bid for 0 Unfavorable 0

2 2

Good 8

Average 6

Below Average 4

Poor 2

Above Average 8 >70% of Fuel Required (@NA) for 12 Years is tied up 8

Average 6

Below Average 2

Poor 0

>50% of Fuel Required >50% of Fuel (@NA) for 12 Years is Required (@NA) for tied up 5 Years is tied up 6 4

No Action Yet 0

10

Bids Received and Contactor(s) being finalized 8

Bidders shortlisted and RFP Floated RFQ for Bids Floated 4 Good experience of other than Power Sector 6 2 Very Less experience of other than Power Sector 2

No Action Yet 0

Experience of Allied Power 8

No experience 0

Low Risk

Medium Risk

High Risk

Very High Risk

Bids Received and Contactor(s) being finalized 8 Bids Received and Contactor(s) being finalized 8

Bidders shortlisted and RFP Floated RFQ for Bids Floated 6 4

No Action Yet 0

Bidders shortlisted and RFP Floated RFQ for Bids Floated 6 4

No Action Yet 0

Above Average 8 Bids Received and Contactor(s) being finalized 8 Bids Received and Contactor(s) being finalized 8

Average 6

Below Average 2

Poor 0

Bidders shortlisted and RFP Floated RFQ for Bids Floated 4 2

No Action Yet 0

Bidders shortlisted and RFP Floated RFQ for Bids Floated 4 2

No Action Yet 0

1 15

4-5 Crores 10 6-7 Crores 10 4-4.5 Crores 10 >85% 10 >60% 10 >85% 10 <2300 10 <2300 10 <1700 10 < 6%

5-6 Crores 8 7-8 Crores 8 4.5-5.0 Crores 8 70-85% 8 50-60% 8 75-85% 8 <2500 8 <2500 8 <1900 8 < 6-8%

6.0-6.5 Crores 6 8-8.5 Crores 6 5-5.50 Crores 6 60-70% 6 40-50% 6 65-75% 6 <2800 6 <2800 6 <2300 6 < 8-10%

6.5-7.0 Crores 4 > 8.5 Crores 4 > 5.50 Crores 4 <60% 4 <40% 4 <65% 4 >2800 4 >2800 4 >2300 4 < 10%

10 <1% 10 <3% 10 < 1.0 10 Reputed 8

8 1-2 % 8 3-4 % 8 1.0 -1.5 8 Experienced 6

6 2-3% 6 4-5% 6 1.5-2.0 6 Limited Exp. 4

4 3-4% 4 4-5% 4 > 2.0 4 Unknown 2

2 2 2 15

Land Identified and Acquired at least 50% Acquired at least 33% Acquisition in of Requirement of Requirement progress -Advances 8 Applied for Stage 2 Clearance 8 6 Stage 1 Clearance Issued 6 2 Applied for Stage 1 Clearance 2

Not Yet Started 0

Not Yet Started 0

Low Risk 8

Medium Risk 6

High Risk 2

Very High Risk 0

Above Average 8

Average 6

Below Average 2

Poor 0

Applied for Stage 2 Clearance 8

Stage 1 Clearance Issued 6

Applied for Stage 1 Clearance 2

Not Yet Started 0

2 15

75:25 8 1.3 - 1.5 8 REC PLR +3% 8 15-18% 8 70-80% 8

80:20 6 1.2 - 1.3 6 REC PLR +2% 6 13-15% 6 80-85% 6

85:15 2 1.1 - 1.2 4 REC PLR +1% 4 10-13% 4 85-90% 4

90:10 0 1.0 - 1.1 2 REC PLR +0.5% 2 <10% 2 >90% 2

4 4 3 2 2

No. Type of Risk

Applicable Weightage Adjusted Marks Y/N Wt. Awarded Out Of 10

Approvals/Permits/Clearances I.1 Statutory Clearances 5 5

Techno-economic clearance from CEA

0.5

0.5

10

Water Availability

10

SPU/State Govt. clearance

0.5

0.5

10

Pollution Clearance (water and air)

0.5

0.5

10

Environment Clearance

0.5

0.5

10

Forest Land Clearance

10

Civil Aviation Clearance for chimney height

0.5

0.5

10

H Other Statutory Clearances I.2 Non-Statutory Approvals/Requirements

0.5 2

0.5 2

10

Land/Site

10

Access

0.5

0.5

10

Others I.3 Key Contracts

0.5 13

0.5 13

10

PPA-Quantitative

1 2

PPA -% of Capacity PPA-Tariff

Y Y

2 1

2 1

10 10

PPA- Term

10

PPA - Qualitative

10

Fuel Supply

Y 2
EPC

10

NON-EPC

A ) Project Implementation Structure

Status of EPC contract

10

Contractor

Contractor Contractor's Relation with Owner's Group B) Project Implementation Structure

10

10

Status of BTG Packages

10

Status of BOP Packages Owner's Engineer's Experience/Track Record

10

10

O & M Contracts

10

G Others I.4 Design Parameters

1 10

1 10

10

Project Cost

10

Availability Factor

10

Heat Rate

10

Auxilary Consumption

10

D E F II.

Auxilary Consumption Secondary Fuel Consumption DPR Consultants Construction Risk

Y Y Y

1 1 1 40

1 1 1 40

10 10 10

Land/Site

10

Plant Site - Forestry Clearance

10

Natural Disaster Risks

10

Evacuation Infrastructure

10

Evacuation Infrastructure - Forestry Clearance

10

Project Implementation - Plant & Machinery - Costs

10

Project Implementation - Plant & Machinery -Time Schedule

10

Accident/ Damage/ Destruction

H Accident/ Damage/ Destruction III. Operational Parameters

2 10

2 10

10

Water Availability & Adequacy

10

B Fuel - Quantity & Quality IV. Project Financials

5 20

5 20 5 5 4 3 3

10

Debt-Equity Average DSCR IRR Return on Equity Break Even PLF (@ DSCR =1)

Y Y Y Y Y

5 5 4 3 3

10 10 10 10 10

Grading Guidelines

Total Scored

5
Pre-Feasibility (Survey of Site)

TEC Obtained

DPR Submitted

Feasibility Study Done

Rejection

10 Allocation Obtained

8 4 In-principle Approval In-principle Approval from SG Obtained for from SG Obtained for Full requirement partial requirement

2 Source Identified

0 Rejection

0.5

10 State Government Acceptance Obtained

Applied For

Rejection

10 SPCB's Consent (NOC) Obtained

2 Applied For Consent of the SPCB

0.5

Rejection

10 EC Issued

8 Public Hearing Completed

6 Scoping (TOR Issued)

2 Screening Completed

0 Rejection

0.5

10 Approval from MoEF/SGMoEF

8 In-Principle Approval from MoEF

4 SG Forestry Recommends

2 Application for Divesrion of Land

0.5

Rejection

10 Obtained Aviation Clearance

Applied For

Rejection

10 Obtained

2 Applied For

0 Rejection

0.5

10

0.5 2

Available as per Normative Total Requirement

About 80% or above of the Norms

About 60% or above About 40% or above Less than 40% of the (<80%) of the Norms (<60%) of the Norms Norms

10 Very Good

8 Above Average

6 Average

4 Below Average

0 Poor

10 Obtained

8 -

6 -

2 Applied For

0 Rejected (0)

0.5

10

Rejected (0)

0.5 13

Signed PPA for at least 60% of Capacity 10 Highly Favorable 10 Very Good 10

LOI issued in Bids/PPA under negoation (8) 8 Favorable 8 Good 8

Pre-qualified for Submitted Bids but not Case 1, Case 2 Bids ( Successful (4) 2) 4 Moderately Favorable 6 Average 6 2 Lowly Favorable 2 Below Average 4

Not Yet Signed (0) 0 Unfavorable 0 Poor 2

2 1

Very Good 10 Fuel Required at Normative Availability (NA) for 12 Years is tied up 10

Above Average 8 >70% of Fuel Required (@NA) for 12 Years is tied up 8

Average 6

Below Average 2

Poor 0

>50% of Fuel Required >50% of Fuel (@NA) for 12 Years is Required (@NA) for tied up 5 Years is tied up 6 4

No Action Yet 0

EPC Contractor Finalized and EPC Awarded

Bids Received and Contactor(s) being finalized

Bidders shortlisted and RFP Floated RFQ for Bids Floated

No Action Yet

10

4 Good experience of other than Power Sector

2 Very Less experience of other than Power Sector

Experience of Power Sector

Experience of Allied Power

No experience

10

Advantageous 10

Low Risk 8

Medium Risk 6

High Risk 4

Very High Risk 0

Supplier Finalized and Contract Awarded 10 Supplier Finalized and Contract Awarded 10

Bids Reeceived and Contactor(s) being finalized 8 Bids Reeceived and Contactor(s) being finalized 8

Bidders shortlisted and RFP Floated RFQ for Bids Floated 6 4

No Action Yet 0

2.00

Bidders shortlisted and RFP Floated RFQ for Bids Floated 6 4

No Action Yet 0

Very Good 10

Above Average 8 Bids Reeceived and Contactor(s) being finalized 8 Bids Reeceived and Contactor(s) being finalized 8

Average 6

Below Average 2

Poor 0

1.00

Contacts Awarded 10

Bidders shortlisted and RFP Floated RFQ for Bids Floated 4 2

No Action Yet 0

Contacts Awarded 10

Bidders shortlisted and RFP Floated RFQ for Bids Floated 4 2

No Action Yet 0

1 10

Thermal

4-5 Crores 10

5-6 Crores 8 7-8 Crores 8 4.5-5.0 Crores 8 70-85% 8 50-60% 8 75-85% 8 <2500 8 <2500 8 <1900 8 < 6-8% 8 1-2 %

6.0-6.5 Crores 6 8-8.5 Crores 6 5-5.50 Crores 6 60-70% 6 40-50% 6 65-75% 6 <2800 6 <2800 6 <2300 6 < 8-10% 6 2-3%

6.5-7.0 Crores 4 > 8.5 Crores 4 > 5.50 Crores 4 <60% 4 <40% 4 <65% 4 >2800 4 >2800 4 >2300 4 < 10% 4 3-4%

Hydro

6-7 Crores 10

Gas Thermal

4-4.5 Crores 10 >85% 10

Hydro

>60% 10

Gas Thermal

>85% 10 <2300 10

Gas -Open Cycle

<2300 10

Combined Cycle

<1700 10

Thermal

< 6% 10

Gas

<1%

10 Combined Cycle <3% 10 Thermal < 1.0 10 Very Reputed 10 Reputed 8

8 3-4 % 8 1.0 -1.5 8 Experienced 6

6 4-5% 6 1.5-2.0 6 Limited Exp. 4

4 4-5% 4 > 2.0 4 Unknown 2

1 1 1 40

Land Identified and Acquisition in progress -Advances Acquired at least 75% Acquired at least 50% Acquired at least 33% Paid/Notification of Requirement of Requirement of Requirement Issued 10 8 6 2

Not Yet Started 0

Stage 2 Clearance Issued 10 No Hostory/Very Low Risk 10

Applied for Stage 2 Clearance 8

Stage 1 Clearance Issued 6

Applied for Stage 1 Clearance 2

Not Yet Started 0

Low Risk 8

Medium Risk 6

High Risk 2

Very High Risk 0

Very Good 10

Above Average 8

Average 6

Below Average 2

Poor 0

Stage 2 Clearance Issued 10

Applied for Stage 2 Clearance 8

Stage 1 Clearance Issued 6

Applied for Stage 1 Clearnce 2

Not Yet Started 0

No Impact and Risk completely Addressed 10

Low Impact and Risk Adequately Addressed 8

Average Impact 6

High Impact 2

Very High Impact 0

No Impact and Risk Low Impact and Risk completely Addressed Adequately (10) Addressed (8) 8 Low Impact and Risk No Impact and Risk Adequately completely Addressed Addressed 10

Average Impact (6) 6

High Impact (4) 2

Very High Impact (6) 0

Average Impact

High Impact

Very High Impact

10

2 10

Available for Expansion 10 More than Adequate

More than Required Adequate for Proposed Less than Normative for Capacity Capacity Requirement 8 Adequate for Life of the Plant 6 Adequate for Medium Term 2 Adequate only for Short Term

Not Adequate 0 Not Adequate

10

5 20

70:30 10 > 1.5 10 REC PLR +4% 10 >18% 10 60-70% 10

75:25 8 1.3 - 1.5 8 REC PLR +3% 8 15-18% 8 70-80% 8

80:20 6 1.2 - 1.3 6 REC PLR +2% 6 13-15% 6 80-85% 6

85:15 2 1.1 - 1.2 4 REC PLR +1% 4 10-13% 4 85-90% 4

90:10 0 1.0 - 1.1 2 REC PLR +0.5% 2 <10% 2 >90% 2

5 5 4 3 3

No. Type of Risk

Applicable Weightage Y/N

Adjusted Wt.

Marks Awarded Out Of 10

Statutory Clearances

5
Obtained

A II.

Statutory Clearances Construction Risk

5 15

5 15

10

10

Acquired at least 75% of Requirement

Land/Site Plant Site - Forestry Clearance

10

10

Stage 2 Clearance Issued

10

10

No Hostory/Very Low Risk

Natural Disaster Risks

10

10

Very Good

Evacuation Infrastructure Evacuation Infrastructure - Forestry Clearance

10

10

Stage 2 Clearance Issued

10

10

Project Implementation Plant & Machinery Costs

No Impact and Risk completely Addressed

10

10

Project Implementation Plant & Machinery -Time Schedule

No Impact and Risk completely Addressed

10

10 No Impact and Risk completely Addressed

Accident/ Damage/ H Destruction III. Operations & Maintenance III.1 Operational Risks

10

10

18

18

Very Good

Equipment Performance

Equipment Performance Performance Guarantee & LDs

10

10

Adequately Covered

10

10

Water Availability & Adequacy

Available for Expansion

10

10

Low

Cooling Technology Fuel Related Risks

10

10

Very Strong

E F

Source Supplier

Y Y

2 2

2 2

10 10

10 Vey High 10

More than Adequate

Fuel - Quantity & Quality

10

10

Adequately Covered

Fuel Price risk

10

10

Adequately Covered

Fuel transportation Risk

10

10 Adequately Covered

O & M risks

10

10

Environmental/ Pollution L Risks III.2 Sales/ Offtake Risk

Adequately Covered

1 10

1 10

10

10

Highly Favorable

Demand Risk Capacity Tied up through PPAs

10

10 Signed PPAs for: >70% of Capacity

10

10

Adequately Covered

Evacuation Risk

10

10

Highly Favorable

D E

Tariff Risk Levelised Tariff

Y Y

2 2

2 2

10 10

10 Very Good 10 Very Good

Quality of Receivables

Y Y

1 1 5

1 1 5

10 10

10 Very Good

G Payment Security III.3 Political/Economic Risks

10

Foreign Exchange Project Cost

Low

10

10

Foreign Exchange - On B Cost of Generation Change of Policies - Fuel C Supply III.4 Force Majeure Risk

Low

Y Y

1 2 2

1 2 2

10 10

10 Low 10

Natural Calamity/Disaster

Adequately Covered

10

10

Non-Natural: Direct B Political III.5 Techno Economic

Adequately Covered

1 10

1 10

10

10

Thermal

Hydro

Gas

Project Cost

10
Thermal

Hydro

Gas

PLF/ Availability

10
Thermal

Gas -Open Cycle

Heat Rate

10

Combined Cycle

Heat Rate

10
Thermal

Gas

Combined Cycle

Auxilary Consumption Secondary Fuel E Consumption IV. Financials

Y Y

1 1 35

1 1 35

10
Thermal

10

70:30

Debt-Equity Average DSCR IRR Return on Equity Break Even PLF (@ DSCR =1)

Y Y Y Y

7 8 8 6

7 8 8 6

10 10 10 10

10 > 1.5 10 REC PLR +4% 10 >18% 10

60-70%

10

10

Grading

Total Scored

5
Some Clearances are Still Pending 0 Land Identified and Acquistion in progress Acquired at least 50% Acquired at least 33% -Advances of Requirement of Requirement Paid/Notification 8 Applied for Stage 2 Clearance 8 6 Stage 1 Clearance Issued 6 2 Applied for Stage 1 Clearnce 2

5 15

Not Yet Started 0

Not Yet Started 0

Low Risk 8

Medium Risk 6

High Risk 2

Very High Risk 0

Above Average 8 Applied for Stage 2 Clearance 8

Average 6 Stage 1 Clearance Issued 6

Below Average 2 Applied for Stage 1 Clearnce 2

Poor 0

Not Yet Started 0

Low Impact and Risk Adequately Addressed 8

Average Impact 6

High Impact 2

Very High Impact 0

Low Impact and Risk Adequately Addressed 8 Low Impact and Risk Adequately Addressed 8

Average Impact 6

High Impact 2

Very High Impact 0

Average Impact 6

High Impact 2

Very High Impact 0

18

Above Average

Average

Below Average

Poor

Reasonably Covered 8

Medium Coverage 6

Low Coverage 2

Not Covered 0

More than Required for Capacity 8

Adequate for Proposed Capacity 6

Less than Normative Requirement 2

Not Adequate 0

Medium Impact 8

Average Impact 6

High Impact 2

Very High Impact 0

Strong 8 High 8

Medium Strength 6 Average 6

Weak 2 Low 2

Very Weak 0 Very Low 0

2 2

Adequate for Life of Adequate for Medium the Plant Term 8 6

Adequate only for Short Term 2

Not Adequate 0

Reasonably Covered 8

Medium Coverage 6

Low Coverage 2

Not Covered 0

Reasonably Covered 8 Reasonably Covered 8

Medium Coverage 6 Medium Coverage 6

Low Coverage 2 Low Coverage 2

Not Covered 0 Not Covered 0

Reasonably Covered 8

Medium Coverage 6

Low Coverage 2

Not Covered 0

1 10

Favorable 8 Signed PPAs for: 6070% of Capacity 8

Somewhat Favorable 6 Signed PPAs for: 5060% of Capacity 6

Unfavorable 2

Highly Unfavorable 0

Signed PPAs for: 40- Signed PPAs for: <40% 50% of Capacity of Capacity 4 0

Reasonably Covered 8

Medium Coverage 6

Low Coverage 4

Not Covered 0

Favorable 8 Good 8 Good 8 Above Average 8

Moderately Favorable 6 Average 6 Average 6 Average 6

Lowly Favorable 2 Below Average 4 Below Average 4 Below Average 2

Unfavorable 0 Poor 2 Poor 2 Poor 0

2 2

1 1 5

Medium Impact 8

Average Impact 6

High Impact 2

Very High Impact 0

Medium Impact 8 Medium Impact 8

Average Impact 6 Average Impact 6

High Impact 2 High Impact 2

Very High Impact 0 Very High Impact 0

1 2 2

Reasonably Covered 8

Medium Coverage 6

Low Coverage 2

Not Covered 0

Reasonably Covered 8

Medium Coverage 6

Low Coverage 2

Not Covered 0

1 10

4-5 Crores 10 6-7 Crores 10 4-4.5 Crores 10 >85% 10 >60% 10 >85% 10 <2300 10 <2300

5-6 Crores 8 7-8 Crores 8 4.5-5.0 Crores 8 70-85% 8 50-60% 8 75-85% 8 <2500 8 <2500

6.0-6.5 Crores 6 8-8.5 Crores 6 5-5.50 Crores 6 60-70% 6 40-50% 6 65-75% 6 <2800 6 <2800

6.5-7.0 Crores 4 > 8.5 Crores 4 > 5.50 Crores 4 <60% 4 <40% 4 <65% 4 >2800 4 >2800

10 <1700 10 < 6% 10 <1% 10 <3% 10 < 1.0 10

8 <1900 8 < 6-8% 8 1-2 % 8 3-4 % 8 1.0 -1.5 8

6 <2300 6 < 8-10% 6 2-3% 6 4-5% 6 1.5-2.0 6

4 >2300 4 < 10% 4 3-4% 4 4-5% 4 > 2.0 4

1 1 35

75:25 8 1.3 - 1.5 8 REC PLR +3% 8 15-18% 8

80:20 6 1.2 - 1.3 6 REC PLR +2% 6 13-15% 6

85:15 2 1.1 - 1.2 4 REC PLR +1% 4 10-13% 4

90:10 0 1.0 - 1.1 2 REC PLR +0.5% 2 <10% 2

7 8 8 6

70-80% 8

80-85% 6

85-90% 4

>90% 2