HDFC BANK

Infrastructure Finance Group (IFG)

East WB, JHK, Orissa, NE
HDFC BANK
Types of Credit Facilities

Construction Equipment Finance
Asset based finance on purchase of construction equipment (New &
used)
Working Capital Facilities
Fund Based
CC/ OD , Dropline OD limits
DRUL (Confirmed LC Discounting)
Non Fund Based Limits
Bank Guarantees.
Letter of Credits.
HDFC BANK
Human Capital
CE Finance
WB 4, Orissa 1,JHK 1, NE 1
Working Capital Facilities
WB 4, Orissa 1, Bihar- 1.
IFG Liabilities
WB 2
Orissa 1
HDFC BANK
Construction Equipment Finance
East (WB, J HK, Orissa, NE )
HDFC BANK
Types of Construction Equipment

Mining equipment
Excavators
Wheel Loaders
Dumpers
Road Making Equipment
Vibratory Compactors (Road Rollers)
Motor Graders
Bull Dozers
Sensor Paver
Hot Mix Plant
Tippers
Contd.
EXCAVATOR
Wheel Loader
Motor Grader
Compactor
HDFC BANK

Concreting & Building Construction Equipment
Batching Plant,
Concrete Pump,
Transit Mixers
Hiring Equipment
Hydraulic Cranes
Backhoe Loaders
Tippers
Apart from the equipment listed above, certain assets which are
related to construction industry are also considered. E.g.
GENSETS & TRACTORS. Please note that the Gensets have to
be put for construction application only.
Types of Construction Equipment
Transit Mixer
Crane
Backhoe Loader
(JCB)
HDFC BANK
Manufacturers & models Available in market
TELCON (Tata-hitachi)
Excavators (EX70, EX200, EX210, EX300)
Backhoe loaders ( Tata-JD 315)
Wheel Loaders (TWL 3036)
Cranes ( Tata TFC-280)
L&T-KOMATSU LTD
Excavators (PC71, 72CK, 90CK-3, PC200-6, PC300-7)
Wheel Loaders (WA 180, WA 380)
Motor Graders (GD511A-1, GD623)
Bull Dozer ( D41, D65, D155, D375)
JCB INDIA LTD
Backhoe Loader (JCB3DX, JCB4D)
Excavator (JS75, JS210)
Contd.
HDFC BANK
VOLVO INDIA PVT. LTD.
Excavators ( EC60, EC140, EC210, EC290, EC360)
Wheel Loaders (L 45E, L90E, L120 E)
Motor Graders (710 VHP, 720 VHP)
CATERPILLAR INDIA PVT. LTD.
Excavators ( CAT308, CAT320C, CAT330C, CAT365)
Wheel Loaders (950G-II, 966G, Hindustan 2021)
Dumpers ( HM1025, HM1035)
Motor Graders (12H, 120H)
Bull Dozers ( D6R, D7R, D8R, D9R, D10R, D11R)
ESCORTS CONSTRUCTION EQUIPMENT LTD
Vibratory Compactor (EC5250)
Cranes ( 9 ton , 10 ton , 10 ton , 11 ton payload capacity.
Contd.
Manufacturers & models Available in market
HDFC BANK
Manufacturers & models Available in market
SCHWING STETTER INDIA PVT. LTD.
Concrete Pump ( BP350, BP1800)
Batching Plant (CP18, CP30, CP120)
transit Mixer (Stetter AM6SHN)
INGERSOLL RAND INDIA PVT. LTD.
Vibratory Compactors (DD90 , SD 110)
Drills
Air Compressors ( P300, P350, P400, P450)
ACTION CONSTRUCTION EQUIPMENT
Cranes ( 9 ton , 10 ton , 10 ton , 11 ton payload capacity)

In addition to the above listed manufacturers, other local manufacturer
equipment also may be considered, based on client profile.
HDFC BANK
Used Equipment Finance
Grid Value / Physical Valuation / Insurance Declared Value
Funding % based on Lowest of these three.
Standard Assets:
Standard assets from reputed manufacturers funding up to 07 yr old
vehicle at end of finance period
Cranes:
Large capacity cranes in good condition may be considered for a
period of 7-10 years.
Non-Standard assets:
Only for large strategic clients with funding up to 3 yr old vehicle at
end of finance period.
Grid Values is as arrived at by the credit team basis the market
conditions & resell-ability of the asset.

HDFC BANK
Construction Equipment Finance
Funding Criteria
BRANCH READY RECKONER FOR
CONSTRUCTION EQUIPMENT
Product Offered Construction Equipment (New & used)
Target Customers Contractors, Hirers, Quarry / Mine Owners, Captive Users
Basic Product Features- New & Used Assets
S No. Norm Features
1 Minimum Loan Amount Rs 3.00 Lacs
2 Minimum & Maximum Tenure Upto 4 years for retail; Upto 5 years for Strategic
3 75% to 85%; Upto 90% to strategic and on standard assets to strong retail profile
4 Eligible Borrower segments
Companies,Individuals and HUF's
5
Maximum LTV / Funding
(Customer downpayment =
100% - LTV)
Sole Proprietorships, Partnership firms, Private and Public Limited
Repayment Mode
EMI's in the form of PDC's (Post Dated Cheques),Standing instructions (SI for HDFC Bank A/c
Holders)
HDFC BANK
Construction Equipment Finance
Funding Creiteria
Contd.
Loan Eligibility Criteria - Retail Segment
S No. Norm Features
1
2 Maximum funding amount RA upto 200 L; RB upto 80 L; RC upto 40 L
3 Stability - Office / Residence To be at the location for minimum 3 years
4 Minimum 18 months; 12 months for RC
5 Guarantor External Guarantor; Internal guarantor for large clients.
6 Repayment Track Record To be ETR for the last 12 months for RA , RB
7 Contactbility Landline compulsory
8 Asset Financed Refer table Below
9 CPV Mandatory; to be positive
Loan Eligibility Criteria - Strategic Segment
S No. Norm Features
1 TO Norms 3 categories; LA > Rs. 40 Cr.; LB = Rs. 20-40 Cr., LC - Rs. 05-20 Cr.
2 Maximum funding amount LA - Upto Rs. 1000 L, LB - upto Rs. 400 L, LC - upto Rs. 200 L
3 Stability - Office Proof of office address
4 Minimum 3 years
5 Guarantor PG of main promoter
6 Repayment Track Record To be ETR for the last 12 months
7 Contactbility Landline compulsory
8 Asset Financed All types of assets justified for usage are funded.
9 Existing banking Furnish existing FB & NFB limits.
4 categories; RA > 7 CE assets; RB > 2 CE Assets, RC > 1 yr. In business,
FTU : (First Time User) Only for JCB 3DX Backhoe loaders
Customer Category based on
fleet size
Business Experience -
Job/Business
Business Experience -
Job/Business
HDFC BANK
Construction Equipment Finance
Funding Creiteria
Documentation
Pre - Approval Documentation
1 Important documents contracts in hand, Fleet List, Experience, Borrower Profile. (write-up)
2 Entity / Identity Proof Any passport copy,Pan Card,Voters ID card,Driving Licence with Birth date,
ration card with birth date
3 Income Proof Audited Balance Sheet for Indidviuals & transporters along with P & L statement for last two years for
Sole Proprietorships, Partnership firms, Private and Public Limited Companies and HUF's
4 Address Proof Any of photo Ration Card with birth date,Valid driving licence with brth date,Voters Idcard,
Passport copy, Telephone Bill,Electricity Bill,PAN card
5 Fleet List Certificate of Registration copy / List of Vehicles
6 Bank Statements 6 to 12 months
& Repayment track Record
7 Sign Verification Proof Any passport copy,Pan Card,Voters ID card,Valid driving Licence with Birth date
ration card with birth date,Banker's Verification
Used Asset Variants
Valuation report, RC Book & Insurance required
Loan Tenure range from 12 to 36 months. > 24 months to be considered only for strategic clients
LTV applicable will be 50% to 70%
Age of the vehicle at the end of the Loan tenure not to exceed 7 years. Only in case of high capacity cranes the life should be upto 10 years
Asset to have not more than two previous owners
HDFC BANK
Pricing:
Rates are offered based on customer
strength, negotiation by the customer,
level of competition and other financial
parameters, hence it is suggested that
case once generated is forwarded to IFG.


Construction Equipment Finance
HDFC BANK
Working Capital Finance
HDFC BANK
Product Offering
The below mentioned products are offered to Clients who are engaged in development
of Infrastructure, Mining, Contractual execution of Infrastructure Projects.
Working Capital Limit for Strategic Clients
Drop line Overdraft Limits for Retail Customers
Bank Guarantee Limit
Letter of credit for CE Customers
DRUL (Confirmed LC discounting) for manufacturers,
traders
Cross Sell Products in IFG
HDFC BANK
Need of the Customer:
Fund Based
Customer will need this type of WC Limit to finance the gap
between his billing and payment cycle of corporate clients
ranging between 1 month to 3 months.
To cover his daily cash requirements
Non Fund Based
Bank Guarantees - For participating in various bids &
Performance Guarantees and Importing various parts &
components for their transportation business.


Working Capital/ Drop Line Limit
Financing
HDFC BANK
Working Capital/ Drop Line Limit
Financing
Basic Eligibility Parameters :
All CE Clients having average Turnover for last 2 years >
INR 10.00 Cr.
Tangible networth of > INR 2.00 Cr.
Repayment track record should be either Excellent or
Good
Tangible collateral to be preferably a built-up property.
YOY growth rate to be > 15%.

HDFC BANK
Working Capital/ Drop Line Limit
Financing
Other Eligibility Parameters
Customer should have an experience of Min. 5 years in this field
Customer should be organized with healthy Banking Habits
Customer should ideally be dealing with good Principals for his
contract execution, Mining produce sale. Business call can be
taken on this
Customer should ideally have proper financials with duly audited
Balance Sheets. Business call can be taken on this
P/L A/c statements. business call can be taken on this

HDFC BANK
Types of Customers
Contractors Civil, Road, Mining, Ports, Infrastructure
Contractors.
Mining- Clients who are mine owners and selling their mining
produce.
Working Capital/ Drop Line Limit
Financing
HDFC BANK
Targeted Segments


Working Capital/ Drop Line Limit
Financing
Sl No. Broad Segment Sub- Contractor
1 Contractors Civil & Industrial Constructions, Irrigation Works, Road
Building, Structural(and Building(Design & construction,
Railway Engineering, Mining, Electrification, Movement of
Construction & mining material, Urban City infrastructure,
Municipal Panchayat &public works, Cable Lying & tower
erection, Waste Management, Material Handling, Air & sea
Port Management, Infrastructure Maintenance, Cargo
Management, Toll Collection, Container freight stations &
inland container depot, warehousing, roads developers,
public transport infrastructure
2 Miners All major & minor minerals, stone & sand quarries,
3 Service Providers Estate Management
4 Industrial Mineral Processing (incl washeries), manufacturing of all
type of construction equipments, manufacturing of pre
fabricated blocks, concrete pipes & others structures
5 Traders All major & minor minerals, supply & rental of all types of
CE, Dealerships of all types of CE, suppliers of all type of
construction materials etc.
HDFC BANK
Together we can make a
difference and serve our
customers better.
Thank you for your valuable time.