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Corporate Introduction

Moksha Financial Services Company Profile

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Page 1: Moksha Financial Services Company Profile

Corporate Introduction

Page 2: Moksha Financial Services Company Profile

• Who We Are

• What We Do

• Our Products

• Our Mission

• Our Leadership

Page 3: Moksha Financial Services Company Profile

Who We Are

Page 4: Moksha Financial Services Company Profile

As one of the leading Financial Solutions Providers in India today,

Moksha Financial Services Pvt Ltd, was established with the singular

goal of providing comprehensive financial solutions to businesses

houses, organizations & others who seek our expertise

Page 5: Moksha Financial Services Company Profile

We provide customized

business solutions to

your ever-changing

business needs, based

on the deep, functional

expertise garnered by

our team over the

years.

Page 6: Moksha Financial Services Company Profile

We are passionate & love to take on challenges that would help our

clientele achieve their goals & think beyond the constraints of their

current situations…No matter how big or small…

Page 7: Moksha Financial Services Company Profile

What We Do

Page 8: Moksha Financial Services Company Profile

We are a 360-

degree Financial

& Business

consultancy, with

a presence in

Mumbai, Indore,

Bhopal, Delhi

(NCR)

Page 9: Moksha Financial Services Company Profile

Our Services help clients run efficient processes, improve accuracy,

and minimize costs…

Page 10: Moksha Financial Services Company Profile

We specialize in

Corporate Lending

Retail

Private Equity

ECB FundingTrade Finance

SME

International Funding

Loan RestructuringWorking Capital

Bank Guarantee

Term Loans

Buyers Credit Letter of Credit

LC Discounting

Unsecured Finance FactoringHome LoanLease Rental Discounting

Page 11: Moksha Financial Services Company Profile

Our Products

Page 12: Moksha Financial Services Company Profile

Corporate Funding

Retail Loans

Promoter Funding

International Funding

Project Funding

Loan Restructuring

Subsidies

Private Equity & Venture Capital

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Corporate Funding

Page 14: Moksha Financial Services Company Profile

Working Capital Or The Measure of a Company's Ability To

Pay Off its Short Term Debt Is The Difference Between

Current Assets And Current Liabilities.

Every Corporate/Firm/Entity requires working capital finance to meet the

entire range of short-term fund requirements that arise within their

day-to-day operational cycle.

• Cash Credit Facilities

• Clean Overdraft Facilities

• Drop Line Overdraft

• Letter of Credit

• Buyer’s Credit

• Bank Guarantee

• Packing Credit

• Agriculture Based Overdraft

Facilities

Working Capital

We at Moksha Finance empower you to enhance your company’s financial

facilities & optimize them to the fullest. Our services help you build a

sound Working Capital structure, in Indian as well as foreign currencies.

Broadly classified into Fund Based Finance and Non Fund Based Finance Capital,

the following are the key forms of Working Capital financing:

Page 15: Moksha Financial Services Company Profile

Corporate Funding

CASH CREDITA facility to withdraw the amount from the business account even though the account may not have enough credit balance. Moksha’s service help

facilitate the drawing power of the client based on the stock and book debts statements submitted by the borrower at monthly intervals against the

security by hypothecating of stock

DROPLINE OVERDRAFTDrop line Overdraft is a facility wherein an amount can be utilized for working capital needs and the overdraft can be repaid over period of years.

At the end of the tenure, the debt is repaid and converted into capital of the enterprises. We help activate facility for our esteemed clientele

AGRICULTURAL INCOME BASED OVERDRAFT LIMIT The OD limit is ascertained based on the income from agricultural land. The security to be given can be any other property other than

agricultural land. The primary Security herein is the property and Stock and Debtors are considered as collateral security. Further, there is no

required of submission of monthly Stock Statement and calculation of monthly Drawing Power.

Page 16: Moksha Financial Services Company Profile

Corporate Funding

LETTER OF CREDITCredit letter from a bank guaranteeing the buyer's payment to a seller will be received on time and for the correct amount. In the event that the buyer

is unable to make payment on the purchase, the bank will be required to cover the full or remaining amount of the purchase. Letter of credit is used in

both International and Domestic Transactions.

CLEAN OVERDRAFTClean Overdraft is an overdraft facility wherein Overdraft amount can be utilized for working capital needs. The primary Security herein is the property

and Stock and Debtors are considered as collateral Security. Further, there is no required of submission of monthly Stock Statement and calculation of

monthly Drawing Power, since the stock statement is to be submitted annually.

BUYERS CREDITBuyer's credit is the credit availed by an Importer (Buyer) from overseas Lenders i.e. Banks and Financial Institutions for payment of his

Imports on due date. The overseas Banks usually lend the Importer (Buyer) based on the letter of Comfort (a Bank Guarantee) issued by

the Importers (Buyer's) Bank. Buyers Credit for goods purchases can be for a period upto 6 months.

Page 17: Moksha Financial Services Company Profile

Corporate Funding

BANK GURANTEEIn certain circumstances such as filing for tender or requirement of government body or dealing with a totally unknown concern, the parties require

you to give a bank guarantee to enable you to bid for contract or supply the materials. It is at times like these that our experienced team steps in to

help arrange Bank Guarantees on your behalf. from banks.

PACKING CREDIT (POST & PRE SHIPMENT)Packing credit limit is a facility sanctioned to an exporter in both Pre-Shipment and Post-shipment stage. If an enterprise has export orders, we can

arrange Pre shipment and Post shipment credit up to 100% of the order value. This facilitates the exporter to purchase raw materials and manufacture or

produce goods according to the requirement of the buyer and get it packed for onward export.

TERM LOANSTerm loan are usually required for a capital expenditure such as constructing a new factory, buying machinery, purchasing of office or

expansion and up gradation of existing factory. We study future cash flow very thoroughly and arrange funds accordingly. Funds can be

arranged in the range of 70% – 75% of actual cost.

Page 18: Moksha Financial Services Company Profile

Corporate Funding

WORKING CAPITAL TERM LOANS

Working Capital Term Loan provides the dual benefit of Working Capital as well as Term Loan wherein a part

of the funds could be given as term Loan allowing repayment of the same. where the company profits in future

years are so that the client wants to slowly reduce the working Capital funds from bank and infuse his Net profit

into business or incase where the company is into stress and is unable to achieve the drawing power required for

existing working Capital availed, then we can arrange the additional amount over

and amount the drawing power in the form of Working Capital Term

Loan.

Page 19: Moksha Financial Services Company Profile

Debt Facilitation

Page 20: Moksha Financial Services Company Profile

Debt Facilitation

UNSECURED LOANSA loan that generally involves highly complex financial transactions obtained from many large financial institutions for companies with very unique

financing needs. Our expert team will arrange for these funds for you without any collateral, on the basis of financial performance of the companies.

Funds will be arranged through Banking and Non-Banking Financial Organizations, for upto Rs.10 Crores

LOANS AGAINST PROPERTYLoan against property is a preferred way to raise funds against a residential or commercial property by the way of giving it to banks or institutions as

mortgage. Our team’s expertise lies in structuring loans against property, according to their specific requirements such as Long –term repayment

schedules & flexible repayments, for up to 75% of the value of the property.

COMMERCIAL PROPERTY PURCHASEThis product is the answer to the needs of every businessman who seeks to invest in an owned office property.

Clients generally need to contribute 25% of the property agreement value with the remainder funded by the bank.

Our recommendations help clients take pre-approval on commercial property purchase loans and then hunt for

property accordingly , thereby facilitating better and more reliable negotiations

Page 21: Moksha Financial Services Company Profile

Debt Facilitation

LOANS AGAINST SHARESThis nature of funding can be arranged against shares of listed companies wherein the shares are pledged to the financial institution. The funds can be

utilized for any business purpose.

HOME LOANSBuying a home can be one of the most important and emotional decisions of one’s life. We at Moksha understand the importance of buying a home and

engage in a special research based approach while facilitating a Home Loan for our clients. We arrange various types home loans wherein EMIs can be

structured based on expected income in the future. Our loan to value ratio generally ranges from 70% - 80%.

LEASE RENTAL DISCOUNTINGWe provide the additional benefit of the properties given on lease to the credible companies by getting the funds

from banks and NBFC’s against future rent receivables today at very competitive rate of interest and can use it

either on your business or on acquiring new properties or any other use.Our team’s expertise lies in getting loans

approved for terms longer than the lease terms, on the basis of soft commitments from the leaser. We deal with

all top Nationalized, Private, Multinational Banks and NBFC’s.

Page 22: Moksha Financial Services Company Profile

Promoter Funding

Page 23: Moksha Financial Services Company Profile

Pledge Of Shares

This facility is offered to promoters against their shareholding in their listed company. It enables you, as a promoter of the company, to increase

your shareholding or expand and diversify into other areas of business.

Promoter funding is offered to promoters of the companies against their shareholding in their company. With the help of this facility the promoter

can increase the shareholding or use in expansion and diversification of the business.

FEATURES Loan available against existing promoter holding

Margin – 50% - 75% (depending on the risk profile of the

business and the stock)

Tenor – 1 to 3 years

Attractive Interest Rates

Simple Documentation

Increase promoters holding in the business with the use of existing stake.

Liquidity requirement for expansion and diversification of business.

Easier and faster processing.

Promoters do not have to liquidate their holdings to meet

short-term cash requirements.

Promoter can increase their stake through buying at

lower price.

BENEFITS

Page 24: Moksha Financial Services Company Profile

Placement Of Shares

The sale of securities to a relatively small number of select investors as a way of raising capital. Investors involved in private

placements are usually large banks, mutual funds, insurance companies and pension funds .

Private placement is the opposite of a public issue, in which securities are made available for sale on the open market.

Increase promoters holding in the business with the use of existing stake.

Liquidity requirement for expansion and diversification of business.

Minimum Regulatory Paperwork and fast Processing.

Promoter can increase their stake.

Cost Effective

BENEFITS

Page 25: Moksha Financial Services Company Profile

Private Equity & Venture CapitalPrivate Equity & Venture Capital

Page 26: Moksha Financial Services Company Profile

We offer private equity services in raising private equity and venture capital for the clients from appropriate funding

agencies.

We ensure proper structuring and presentation of the deal, establish feasibility of business model, approach and negotiate

with private equity funds to obtain the best-possible deal.

Private equity is money invested in companies that are not publicly traded on a stock exchange or invested as part of

buyouts of publicly traded companies in order to make them private companies.

Venture Capital involves money being provided by investors to start-up firms and small businesses with perceived, long-

term growth potential.

This is a very important source of funding for start-ups that do not have access to

capital markets. It typically entails high risk for the investor, but it has the potential

for above-average returns.

Private Equity &

Venture Capital

Page 27: Moksha Financial Services Company Profile

International Finance

Page 28: Moksha Financial Services Company Profile

International Finance

An external commercial borrowing (ECB) is an instrument to facilitate the access to foreign money

by Indian corporations. Borrowers can use 25 per cent of the ECB to repay rupee debt and

the remaining 75 per cent should be used for new projects. For infrastructure and green field

projects, funding up to 50% (through ECB) is allowed. In telecom sector too, up to 50% funding

through ECBs is allowed. A client cannot refinance its existing rupee loan through ECB.

The money raised through ECB is cheaper at LIBOR linked rates.

EXTERNAL COMMERCIAL BORROWING

We can arrange export bills discounting limit being set for companies having export transactions at very attractive discount rates. Once

the company exports the goods, the bills can be discounted once the accepted Bills, Bill of lading, Packing List and Certificate of origin

is submitted to banks. The bank deducts the discount and remits the remaining amount to the company’s account. This is a cheaper

source of working capital financing for Companies as export financing are provided by banks at very attractive interest/discount rates.

.

BILL DISCOUNTING

Page 29: Moksha Financial Services Company Profile

International Finance

We can arrange both Short term and Long term Foreign Currency Loans for Exporters. The loan

amount ranges from 25 lacs to any amount. Interest Rates are LIBOR linked and since exporter

will have receivables in foreign currency thereby nullifying the Hedging Risk as well. We

arrange both Foreign Currency Working Capital and Term loan.

FOREIGN CURRENCY LOANS

For expansion of existing companies or setting up of New Company having high project cost requires huge amount of Equity Capital.

Equity issued to Indian players comes with its own Pros and Cons, one of it being higher profit expectation and lower gestation period.

Foreign players provide funds at lower cost and can stand higher gestation period. We at Moksha are experts in arranging FDI for

various Sectors.

.

FOREIGN DIRECT INVESTMENT

Page 30: Moksha Financial Services Company Profile

International Finance

A trade finance mechanism whereby an exporter sells its export receivables (bills of exchange or promissory notes, or simply issued invoices, which the exporter is selling on an open account basis) at a discount. The company purchasing the receivables is called a factor. Factors are normally specialized financial services companies, but many are owned by banks. Normally, after the factor has purchased a receivable, the importer or buyer pays the factor directly. The benefits being that this type of funding is over and above the funding from your working capital Banker and the company can be funded upto 90% of the invoice amount.

FACTORING

Page 31: Moksha Financial Services Company Profile

Project Funding

Project Funding

Page 32: Moksha Financial Services Company Profile

Project Funding

REAL ESTATEAn customizable project specific funding product, at a cost effective interest can be arranged for Real Estate Builders and Developers based on their

estimated Cash Flow for construction of a particular project. Construction finance is given for construction of one specific project and is to be

utilized strictly for the same project. Funding is restricted to the cost of Construction, Approval, Admin, Selling and Marketing Cost etc. other than

cost of purchase of Land. Funding can be arranged for a maximum of upto 70% of the project cost. The kind of projects where funds are arranged

includes construction on freehold land, SRA Projects, Redevelopment Projects, Joint Ventures and more

Setting up a manufacturing requires funds from various sources, some such that

promoters/owners may not be able to fund their own. The entire manufacturing unit

cost is taken into consideration except land, and such funding could be arranged

for upto 75% of the project Cost. Primary Security would be the project,

while the collateral security requirement will be based on various criteria such as

Company profile, Nature of Business, Industry, Demand, Promoters Background etc..

INFRASTRUCTURE

MANUFACTURING UNIT

Each infrastructure project is unique and has its own Cash flows and hence requires customized funding Solutions. We

at Moksha understand the project and its cash flow in detail and accordingly arrange for the most cost effective financial solutions. The

tenure for such projects could range from a year to 15 years with moratorium period that can also be provided based on

the project cash flows.

Page 33: Moksha Financial Services Company Profile

Restructuring

Page 34: Moksha Financial Services Company Profile

Restructuring

Debt restructuring is a process that allows a private or public company facing cash flow problems and financial

distress to reduce and renegotiate its delinquent debts in order to improve or restore liquidity so that it can continue its

operations.

We at Moksha do a detailed study of the issue resulted in the current situation and understand the Revival strategy of

the company and accordingly advise and assist the client for restructure their loan component in a cost effective and

timely manner.

Page 35: Moksha Financial Services Company Profile

Subsidies

Page 36: Moksha Financial Services Company Profile

Subsidies

In order to encourage setting up of industries and various other things required for the development of Nation/State, both

Central and State Government provide various Subsidy Scheme and the benefit of which can be taken while setting up an

industry/ Services / Self Employment.

There are many regulations to be followed to get the benefit of these subsidies and there are various formalities to be

completed for the same. The subsidies are normally provided in nature of Capital Subsidy and Interest Subsidy.

We at moksha assist the client for completion of all the legal formalities so subsidy is received

in a timely manner

Page 37: Moksha Financial Services Company Profile

Our Mission

Page 38: Moksha Financial Services Company Profile

• The achievement of our clients objectives is our first & foremost mantra

• We are committed towards maintaining high business ethics

• We believe in the power of opportunity

• We strive to develop long lasting relationships with clients

• We work towards minimizing hassles & transforming client’s ambitions into success stories

Page 39: Moksha Financial Services Company Profile

We believe in translating

our knowledge & expertise

into an institution that

invokes the feeling of

success, trust & reliance

among our clientele

Page 40: Moksha Financial Services Company Profile

Our Leadership

Page 41: Moksha Financial Services Company Profile

35 year old commerce graduate & an honoured member of the Institute

of Chartered Accountants of India (FCA), Jai Agarwal is the Promoter

& Founder Member of MFSPL.

With his enormous expertise in financial execution, astute skills in

planning & business development, he is one of the chief driving forces

behind Moksha’s varied service portfolio.

His career in the industry, spanning over a decade, has enabled him to

build a massive and powerful network within the banking sector (both

Private and Public Sector / Foreign banks) at senior levels, giving him

an undefeatable leverage over the area.

As a financial consultant, he first began with a lustrous career in

Citibank- Treasury Operations, post which he decided to head his

own venture and was involved in the business of Corporate Lending in

Central India for around 5 years. He later went on to add SME

Corporate lending and other high-skill oriented products to his kitty

Jai Agarwal Shraddha Khandelwal

A young & successful player in the industry, Shraddha Khandelwal,

comes with 12 years of experience in the business of Asset

Management & Planning. A management graduate in finance and

marketing, she is a Director at MFSPL and serves as the guiding light

for many industrial giants in the MFSPL portfolio.

Her role as leader involves strategic planning, business development,

development of a sound client network and effective execution.

As a proactive leader and planner, her cross functional expertise

include planning, market penetration, product offering and

management of key relationships, competition analysis.

Prior to joining MFSPL, she served a prolific career at a senior

managerial position with Citibank - Asset Business, that lasted 7 years.

Page 42: Moksha Financial Services Company Profile

Gaurav Agarwal

Mr. Gaurav Agrawal, is a qualified Chartered Accountant and

Associate member of ICAI with over a decade’s worth of experience in

the trade. With his impeccable skills in marketing along with an

in-depth knowledge in the finance sector.

He is currently managing a team of 30 skilled marketing executives at

Moksha and specializes in development of market strategies and the

improvement od organizational effectiveness, for a large & diverse

clientele.

Apart from this his core expertise is in the retail loan segment, he has a

commendable grip in the areas of housing loans, unsecured loans and

OD/CC limits.

He has a strong network of relationships across the Corporate world

and substantial experience in managing highly complex assignments.

Dr. Bharat KulkarniDr. Bharat Kulkarni is the Founding Director of Stalwart Management

Consultancy Services, a consulting firm, that works in the field of market

Financial microstructures, especially in Africa. Bharat has provided advisory

to several high profile projects in Africa and Asia, to clients ranging from

Private investors to Governments.

Since 2008, he has successfully set up 4 commodity exchanges in Africa.

After setting up his consulting firm in 2011, he had been advising several high

value investment projects. His clients include The World Bank, USAID, IFC,

Alliance for Green Revolution in Africa, Government of Tanzania,

Government of Kenya, Africa Exchange Holdings and many others. He is a

highly sought after speaker on Investment in Africa and travels across the

globe to speak at various conferences year round.

He has been regularly speaking at the United Nations on conferences like

Global Commodity Forum and World Investment Forum. He is a PhD in

Economics and has written two books, one on Agri risk Management and

other on Commodity Markets and Derivatives.

Page 43: Moksha Financial Services Company Profile

Our Leadership is supported by an efficient & reliable team of co-workers with an

unparalleled network of knowledge, across various industries

Page 44: Moksha Financial Services Company Profile

Thank You