Branch: Ichalkaranji(177)

Unit visit Report

Done by
Shri Kannapiran (AGM)
Shri Ramakrishnan (RDM)
Shri Suman Sarkar (BM)
Shri Tamilmani (AM)

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Agenda:
 Overview of Ichalkaranji Branch
 Nature of Business
 Major competitors
 SWOT analysis
 Advances Bifurcation (sectorwise lending)- Subsidy details
 Looms size of Ichalkaranji
 Manufacturing Process
 Current proposals in hand
 Overview of proposals (A brief view)

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 Overview of Ichalkaranji Branch

Region: Maharashthra
Branch category:Urban

Total Business : Rs.266.44 cr

Total Deposit : Rs.33.02 cr
Total Advances Exposure:Rs.Rs.233.42 cr

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Nature of Business

1.MANUFACTURING OF GREY CLOTH

2.TRADING OF YARN FIBERS
3.MANUFACTURING OF COTTON CLOTH
4.MANUFACTURING OF GREY CLOTH(JOB WORK
BASIS)

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 CUB
12%
Major Competitors advances
SBI
15% HDFC
22%

Indian bank
12%

BOB BOI
10% 10%
Union bank
ADVANCES
HDFC – 450 CR TMB 14%
INDIAN BANK – 240 CR 6%
UNION BANK - 280 CR
TMB -120 CR
BOI - 200 CR
BOB - 200 CR
SBI - 300 CR
CUB - 240 CR

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SWOT Analysis
1.Strong Customer 1.Highly
base concentrated on
2.Reputed customers Manufacturing
Strength 3.Continuous Profit
2.Less diversified Weakness
Yielding
4.High Networth
3.Collateral
profile coverage
5.Leads Management
6.Govt subsidy

1.Less prone to 1.Higher competition

default with 25% to 50%
2.Vast opportunity collateral coverage
to diversify 2.Unavailability of
Opportunity 3.More scope for funds in Govt for Threats
expansion subsidy
4.State & central 3.Interest rate From
Govt support for competitors (7%-8
subsidy %)

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Advances Bifurcation (sector wise lending)- Subsidy
details
Product No of Value Subsidy Tuff subsidy State subsidy
accounts eligible eligible eligible
accounts accounts accounts
OLCC 122 47.76 - - -
OSL ( For 121 175.54 63 63 63
purchase of
machinery)
OSOD 19 4.95 - - -
Others 5.17

Total 233.42

Subsidy Eligibility:
1. Borrower is eligible for 10% Tuff subsidy (capital) from Central govt.
2. 25 % capital subsidy from DIC via Nagpur vastram
3. 5% Interest subsidy from State Govt

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Looms size of Ichalkaranji

Total no.of Looms in Ichalkaranji : 5500 looms

Looms which we funded/to be funded for : 500 Looms

MAJOR SELLERS OF LOOMS WHICH WE FUNDED FOR

1.PICANOL FROM BELGIUM
2.TSUDOKAMA FROM JAPAN
3.ITEMA FROM ITALY
4.TOYOTA FROM ITALY

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Manufacturing Process:

RM
Procurement

Sizing &
wraping

Weaving

Delivery

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Current proposals in hand
S No Group Name/Key person Airjet looms to be Loan amount requested for
purchased

1. Ladha & sardha 36 11.20 cr

2. Berliya 12 4.76 cr
3. Birla 24 8.55 cr
4. Kaliya 48 15.50 cr
5. Vittal chougule 32 13.00 cr
6. Mandhania 12 4.40 cr
7. Chhajed 24 6.40 Cr
Total 188 63.81 cr

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THANK YOU

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