Difference between Loan against property (LAP) and Working capital term loan (WCTL)

[@TheSuresh2022]

Sir, how can WCTL impact on leverage ratio of the firm?? pls explain

[@AnkushJain]

It is a debt and it will increase the outside liabilities thus will increase leverage

[@karishma_nigam]

Sir, startup funding assessment kr lie important KPIs par video banaiye like cash burn and calculation, MIS, Equity infusion etc Thankyou

[@AnkushJain]

Will look into

[@de6038]

Sir, I have a different doubt that doesn’t pertains to this video While extending FBWC can we classify an MSME in to a corporate borrower based on its projection for FY 25.

[@AnkushJain]

Couldn't get the question. Pls elaborate

[@de6038]

@@AnkushJain Sir for example company A is a MSME and has an audited balance of 2024 with turnover of less than 250 Cr ( approx 229 cr ) and is looking for a cc limit of 20 cr. In the FY 25 estimates it has shown turnover beyond 250 cr, so can we consider it as a corporate entity today while deciding the pricing.

[@AnkushJain]

No.. you have to classify as per last achieved sales and not projected sales

[@de6038]

@@AnkushJain ok sir. Thank you

[@AnkushJain]

Your welcome

[@kapilsingh_1983]

Thanks ankush ji, Listening to ur voice, I guess u were not physically fit yet u made this video. Am I correct.

[@AnkushJain]

Yeah.. there was pain in my throat at that time.. 😞

[@kapilsingh_1983]

Hats off to ur dedication, May God bless u❤

[@AnkushJain]

Thank you

[@Shubham-dl4zz]

Hi Sir, Just wanted to check if i am a member or not currently.

[@AnkushJain]

Not a member

[@ramugehlot1274]

Thank you ❤❤❤❤❤ sir

[@AnkushJain]

Your welcome

[@sadafkhursheed6858]

Sir thank you so much for this video. I was confused about this. This video came at the right time. Sir, I have a question, If a person has never applied for a loan he has no cibil. So how much loan we can give to him ?

[@AnkushJain]

Thank you. I can't comment on it.. this depends on internal policies and eligibility levels of borrower

[@SHARADGHEWARIYA]

Sir general banking ke bare me bi video banaye

[@AnkushJain]

Will check

[@TheSuresh2022]

Sir, is it worth-full to take insurance on personal loan???

[@AnkushJain]

You are taking personal loan and want to insure your loan? How much tenor and loan amount

[@TheSuresh2022]

Personal Loan of 12 lakh for 6 year, but bank usme loan protector add kar rahe h,

[@TheSuresh2022]

So sir, kya mujhe insurance ( loan protector)lena chahiye??

[@AnkushJain]

Jrurat hi nhi hai.. small amount aur short tenor k loan hote hain ye.. vo b unsecured.. wastage of money hai insurance lena inmein

[@TheSuresh2022]

Ok sir, Thanks 🙏