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Jyot Enterprise
Financial · Textiles

Project finance for a second production line

₹9.4 Cr sanctioned in 38 days after four lenders had stalled the expansion for seven months.

Client
Kalp Textiles
Timeline
38 days
Delivered
2025
Kalp Textiles — featured overview

Business challenge

An expansion had been stalled for seven months while four lenders each requested a different document set. No single financial model existed that could survive an appraisal committee.

Solution

One detailed project report with a lender-grade financial model, sensitivity analysis and subsidy mapping, presented simultaneously to a shortlist of three lenders whose credit policy actually fit the sector and ticket size.

Business result

₹9.4 Cr sanctioned in 38 days at 1.1% below the best previously indicated rate, with a state capital subsidy claim filed alongside that funded a further ₹64 lakh.

₹9.4 Cr

Sanctioned

38 days

Mandate to sanction

-1.1%

Below best prior offer

₹64 L

Subsidy claimed

Technologies:Financial ModellingDPRLender NetworkDSCR Analysis

Gallery

Screens and deliverables.

Financial model
Sensitivity analysis
Drawdown schedule
Seven months of nothing, then five weeks to sanction.
Bhavesh KotakManaging Partner · Kalp TextilesFinancial

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