LAP 2: What is meaning of FOIR? What is difference between FOIR and DSCR?

[@shruthibhat970]

Sir ...your videos are so full of day to day requirements of a credit analyst. I being in the line of processing, i wish I had found your videos in the beginning of my career... nevertheless.. happy to have come across the channel..thanks for all the intricate details being discussed sir.

[@AnkushJain]

Thank you Shruthi 👍

[@TheSuresh2022]

Minor but important difference, amazing video sir👍

[@AnkushJain]

Thank you

[@bhagwat152]

Thanks sir Best Explains concept

[@AnkushJain]

Your welcome

[@Ask_To_Neon]

Informative....

[@AnkushJain]

Thank you

[@gurpreetSingh-pz7bo]

Very Usefull Thanks 👍👍👍👍👍👍

[@AnkushJain]

👍👍

[@shahnawazalam6320]

Thanks sir more videos please

[@AnkushJain]

😊😊

[@shahnawazalam6320]

@@AnkushJain sir please make video on how to read SOA PLEASE

[@AnkushJain]

Noted

[@mohitbatham8695]

Thanks you Sir 🙏

[@AnkushJain]

Your welcome

[@vivekok81]

Sir pls make video for adjusted pat, adjusted nca, bbs, leverage, dscr, calculation for all various type of proprietor, firm, llp

[@AnkushJain]

Will see

[@dimplekhatnani3382]

Can LAP runnning in other bank can be taken over and either OD or DLOD be given by taking over LAP

[@AnkushJain]

OD can be given if lap was invested in working capital and there is no financial difficulty in client business to repay emi. DLOD can also be given

[@caharishbalani5429]

Sir please make video on important surrogates in LAP like Banking , Cash profit , turnover if possible

[@AnkushJain]

It will come in coming time

[@sanjupal7532]

@@AnkushJain need on cash profit sir

[@AnkushJain]

?

[@dimplekhatnani3382]

Can Home loan running on individual name in other bank can be taken over and aginst it either OD or DLOD be given ??

[@AnkushJain]

DLOD in individual name can be given but client will loose all benefits of HL in ITR. OD can't be given

[@harinishankar3203]

Under FOIR,in case of adding sister concerns income, in that case, we have to consider their obligations as well right sir?

[@AnkushJain]

Yes

[@عَامِررضا-ص8ن]

First viewer sir

[@AnkushJain]

👍

[@RajKumar-ib2dt]

You should explain if the trend is negative in turnover & capital is negative - how then DSCR is calculated

[@AnkushJain]

Calculation is same. Real question is what will happen if due to above negative trends the dscr falls below 1

[@divyanidhikapil4382]

Sir What is the minimum amt limit of working capital finance in which CC OD term loan DLOD BG LC also included.

[@AnkushJain]

11 lacs

[@divyanidhikapil4382]

Thanks sir. To remove my confusion quickly.

[@AnkushJain]

👍👍

[@harinishankar3203]

Also kindly explain us dscr and loan assessment for nbfc sir And preliminary docs for nbfc.

[@AnkushJain]

Pl find dscr video link kzbin.info/www/bejne/hZS1kGtoe7hkiNUsi=SoggEWDf-YOofdEf No video prepared on nbfc yet

[@AJ-ll9kz]

Pls make video on pledge assessment

[@AnkushJain]

U mean warehouse finance

[@TheSuresh2022]

Can a firm avail OD from two or more different bank/NBFC??

[@AnkushJain]

Yes it can. But you have to check my multiple banking video on this to understand

[@coolsuman2006]

Sir, what I feel, we need to provide one or two lecture for cash flow statement in length with examples.

[@AnkushJain]

I have already made video on cash flow statement

[@TheSuresh2022]

Sir, Business Term loan me DSCR or FOIR kya use hoga??

[@AnkushJain]

If you are doing income based assessment then foir however if you doing financial based assessment then dscr

[@ashwinijagtap9198]

How to prefer 44AD ITR in a loan system

[@AnkushJain]

Not understood.. pl elaborate

[@ayushgoyal6170]

Hi ankush ,can you please make video on epc funding

[@AnkushJain]

Export packing credit?

[@ayushgoyal6170]

@@AnkushJain yes sir

[@AnkushJain]

kzbin.info/aero/PLjlclsu02a_wh9VBDcTNMaobK6SB2OCQf Pl check videos in this playlist

[@TheSuresh2022]

Can we say, fOIR is meant for EMI based loan only & DSCR is for limits??

[@AnkushJain]

No

[@TheSuresh2022]

Ok

[@AnkushJain]

👍

[@ankursri5167]

Sir, Pls make video on Credit Underwritig of car/vehicle loan..Pls..

[@AnkushJain]

It is long journey. I don't have experience in this product presently

[@ankursri5167]

@@AnkushJain sir, There are no any single video for same..Pls try to make it from other sources in details...If possible

[@AnkushJain]

Ok

[@deepakacharya6495]

Sir but in industry FOIR is calculated on Net surplus (Gross Income - Financial Obligations) then FOIR is applied upto 65% for household expenses and future contingencies, kindly help

[@AnkushJain]

What is meant by financial obligations in that formula?

[@deepakacharya6495]

@@AnkushJain Loan Obligations sir

[@AnkushJain]

What I have taught in the video is the formula which is accepted and used by most of the banks and nbfc. I am not aware if any few financial institutions above method of calculations. But in actual FOIR means only fixed obligation/income and there is no need for netting it off

[@deepakacharya6495]

@@AnkushJain Ok sir Thanks.. sir will get the full series in HL/LAP assessment in this playlist ?

[@AnkushJain]

I am releasing the videos time to time. In coming 3-4 months, the series will get complete

[@عَامِررضا-ص8ن]

Sir please illustrate with CAM

[@AnkushJain]

This will be done in coming videos

[@rkshprsd]

In kotak it's considered 200% Foir

[@AnkushJain]

200%? What is their logic for such high foir?

[@karthikviswanathan3949]

Plz put videos in English which ll be very useful

[@AnkushJain]

Presently these are in Hindi and majority of my present audience understand Hindi. However I am planning to work on introducing English subtitles in the video

[@praveenkumar-cu2gw]

If u explain in English it will be more helpful

[@AnkushJain]

Will try to add English subtitles