banking-finance

With the opening up of the country’s economy in the early 90’s and the sudden boom in the early 2000, UPICO realised the importance of the growing Banking and Financial market and hence stepped into this segment in October 2006, with its Banking, Finance & Market Research (BFMR) division. The objective of commencing separate operations for this segment was to cater to its various needs with special attention and deliberation by a dedicated team of experienced bankers, technical and financial experts / consultants under a single roof. BFMR division provides techno-commercial guidance to the clients. We have technical experts from various industries for detailing the projects.

FINANCIAL RESTRUCTURING

Companies and economies at times are hit with a downturn which causes financial stress on businesses. Businesses are faced by issues such as being over-leveraged, having cash pressure or liquidity shortfall or an actual or potential breach of debt covenant due to regulatory changes or macro economic environment. It often becomes difficult for companies to honour its financial commitments to lenders and requires restructuring of its finances.

UPICO is experienced in assisting providing financial restructuring solutions to companies and businesses. We assist companies in analysing their financial position and solvency with the objective of representing to banks, financial institutions, asset reconstruction companies and other stakeholders. Our endeavour shall be to reduce and renegotiate debt terms in order to streamline liquidity in sync with the financial strength of the company, restore liquidity and rehabilitate the company so that business operate as usual.

CREDIT SYNDICATION

UPICO has a very robust credit syndication practice and over the years has raised financial resources for its clients from Public and Private Sector Banks as well as Financial Institutions. At UPICO, we understand the value of funds in executing new projects or running on-going operations. Accordingly, we take it upon ourselves to provide the best services to our clients from the stages of understanding the viability of the project to advising clients on options of funding.

We listen to and understand the requirements of our clients and structure financial solutions based on an evaluation of their financial statements, future plans, industry evaluation, regulatory framework and economic realities.

We assist our clients in the following:

  • Critical evaluation of and structuring short, medium and/or long term financial requirements
  • Assistance in preparing financial plans as well as identification of size and type of funding
  • Representing before Banks and Financial Institutions, Indian as well as International, to arrange financial closure of long term, medium term or short term debt
  • Representing before Banks and Financial Institutions, Indian as well as International, to arrange financial closure of long term, medium term or short term debt
  • Facilitating our clients in arranging Working Capital limits from banks and financial institutions in the form of fund and non-fund based facilities
TECHNO ECONOMIC VIABILITY STUDY

Techno Economic Viability (TEV) Study provides an appraisal of technological parameters of projects and its impact on the financial viability of projects. A TEV study is a risk mitigation exercise undertaken by banks and financial institutions prior to decision taken by a bank or financial institutions on its lending decisions for projects.

No project can be absolutely risk less and hence the analysis of the degree of technical risk and associated financial viability, through a Techno-Economic Viability Study (TEVS) is to assist lenders take a view on the acceptability of the degree of risk involved in a project.

A TEV study takes into account an analysis of technological risk, market risk, regulatory risk, financial risk. A critical evaluation of these parameters is essential for a meaningful TEV study. UPICO, with the right skill sets to deliver, assists banks and financial institutions perform TEV studies.