Harihara Krishnan is a commerce graduate from the University of Kerala. His career in banking commenced in 1982 as a probationary officer at a very young age of 23 and the succeeding years took him to offices in underdeveloped areas of North Eastern states of India, then moved to other places such as Mumbai, Chennai, London and many others. He has 36 years of operational experience working in SBI, RBI and the government. Based on his experience and mastery on banking, he has authored books - 'Concurrent Audit of Foreign Exchange in Banks' covering RBI regulations to be followed by Banks and 'Banking India', a comprehensive summary of Indian banking. He took retirement voluntarily to pursue his interest in writing and provide coaching on banking and Indian philosophy
Having a vast and varied Banking experience spanning over three and a half decades in various capacities. His forward thinking thought process made way for him to be in Credit Department of Head Office. He has handled many large corporate project reports, appraisals, documentation, Pre and post sanction measures and also has led many Consortium meetings, implementation of sanctions and corrective measures, and all related portfolio.
Mr. Bhaskaran has more than 40 years of experience in the banking sector. He had worked at various branches of Indian Overseas Banks across the length and breadth of India. Gaining knowledge in handling both urban and rural sectors, this eminent banker comes with strong banking expertise and years of wisdom.
Harihara Krishnan is a commerce graduate from the University of Kerala. His career in banking commenced in 1982 as a probationary officer at a very young age of 23 and the succeeding years took him to offices in underdeveloped areas of North Eastern states of India, then moved to other places such as Mumbai, Chennai, London and many others. He has 36 years of operational experience working in SBI, RBI and the government. Based on his experience and mastery on banking, he has authored books - 'Concurrent Audit of Foreign Exchange in Banks' covering RBI regulations to be followed by Banks and 'Banking India', a comprehensive summary of Indian banking. He took retirement voluntarily to pursue his interest in writing and provide coaching on banking and Indian philosophy
Having a vast and varied Banking experience spanning over three and a half decades in various capacities. His forward thinking thought process made way for him to be in Credit Department of Head Office. He has handled many large corporate project reports, appraisals, documentation, Pre and post sanction measures and also has led many Consortium meetings, implementation of sanctions and corrective measures, and all related portfolio.
Mr. Bhaskaran has more than 40 years of experience in the banking sector. He had worked at various branches of Indian Overseas Banks across the length and breadth of India. Gaining knowledge in handling both urban and rural sectors, this eminent banker comes with strong banking expertise and years of wisdom.
Harihara Krishnan is a commerce graduate from the University of Kerala. His career in banking commenced in 1982 as a probationary officer at a very young age of 23 and the succeeding years took him to offices in underdeveloped areas of North Eastern states of India, then moved to other places such as Mumbai, Chennai, London and many others. He has 36 years of operational experience working in SBI, RBI and the government. Based on his experience and mastery on banking, he has authored books - 'Concurrent Audit of Foreign Exchange in Banks' covering RBI regulations to be followed by Banks and 'Banking India', a comprehensive summary of Indian banking. He took retirement voluntarily to pursue his interest in writing and provide coaching on banking and Indian philosophy
Techno-Economic Viability Study & Feasibility reports provide the appraisal of technological parameters of a project and its impact on the financial viability of the project. The TEV study is a risk mitigation task undertaken by banks which will determine whether the project can be lent any type of loans by the bank.
This crucial stage benefits from the fact that any project holds risks and to assess the risks involved are the main aim of the TEV study. Here, the team will analyse the technical risks involved with the project and find the financial viability of the project. Thus, aiding the banks and other regulatory bodies involved with the project.
TEV study takes the project’s background history, services offered, account statements, operational details, marketing research and policies, financial details, legal requirements, and tax details.
We also conduct industry study for the finance providers by analyzing the industry and giving a complete overview of the project/proposal. Also, we find the demand drivers for that particular product/service and give a complete study of the same. Our team also provides the industry study as a separate service for financial providers.
At ThinkCredit Appraisal Services, we ensure that the banks and other financial organizations will engage with the right team needed to complete the TEV study and also receive the right assessment solutions using our TEV study.
After the successful completion of the TEV study, it is important to move ahead with the LIE study. Here, the able team at ThinkCredit Appraisal will appoint a Lenders Engineer who will safeguard the interests of the money lenders by monitoring the project, assessing the growth of the project, regular reports from the site, proper utilization of the fund money and minimizing the risks involved. The Lender’s Engineer will also evaluate the right completion of the project and our team will also provide the detailed report of the funds used in the project. This study will ensure the right usage of the Lender’s funds and will also ensure that the project is completed without any misfortunes.
Whenever you plan on investing, acquiring, merging finances or creating a strategic partnership, it is important, to sum up, a detailed study of the entity by performing commercial and financial due diligence. The team at ThinkCredit Appraisal will help you with this analyzing report by hearing your plan carefully and creating a stable chart that consists of your goals. Our team will approach the due diligence study by infusing innovative and methodical steps so that you are always at a trustworthy place. We will design the objective for the entity, list all the risks involved and carefully put together the critical information necessary for the project.
A mandatory step for every financial service provider is to assess the exact value of a property/project so as to provide support. We at ThinkCredit Appraisal services have put together a team of advisers who will conduct the study appropriately and give you the detailed report on the property/project.
B2B Market Research & Analysis – Assessing the market opportunities for products, materials, equipment, intermediates and services for Indian and international clients by following standard rules and methodologies
Industry studies/reports – In this scenario, we provide detailed industry profiles including products, supply, demand, growth trends, key demand drivers, segments, market size and forecast, leading players, Government policies, and other industry dynamics.
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