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Reliance Commercial Finance Case Study

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Reliance Commercial Finance is one of the top providers of commercial finance in India. The company is a subsidiary of Reliance Capital, a financial services major that offers a variety of products from life and general insurance to asset reconstruction and mutual funds.

Reliance Commercial Finance offers loans at competitive interest rates which can be paid back through Equated Monthly Instalments (EMIs) over a period of time. These loans can be availed for all sorts of needs such as business expansion, purchase of vehicles, building of infrastructure, home purchase, microfinance, starting a new business or introducing fresh capital in an already existing business.

Reliance Loan Features
Following are the some of the prominent features …show more content…

A guarantor is not necessary unless the documents submitted do not meet the company’s requirements. Applicants can prepay the pending principal after 6 months of availing of the Reliance loan. The company also offers an insurance facility for its commercial vehicle loans through sister company Reliance General Insurance Company and through Royal Sundaram General Insurance.

Agriculture Loan
The loan is given for agricultural or related activities to people engaged in agriculture (including orchard farming and horticulture) and dairy farming. Companies in food processing can also apply for the loan. The amount of loan can be up to 70-75% of the planned investment in agricultural assets, provided the credit assessment goes well.

The tenure of the loan can be anywhere from 6 months up to a maximum of 7 years. A guarantor is required and can include one adult family member as co-applicant for individual borrowers and partners or promoter directors for firms or companies, respectively.

Microfinance Loan
The Reliance loan is given to non-banking financial companies, section 25 companies (not-for profit companies), and societies and trusts working the micro-finance space for lending in a ward. Direct loans are given to micro-entrepreneurs and to women borrowers applying as a Joint Liability Group …show more content…

The car acts as a collateral and hence, eligibility norms are usually relaxed.

• Construction Equipment Loans: This Reliance loan is given to individuals, self-employed businesspersons, proprietorship and partnership firms, trusts, societies, and private and public corporations. The company also offers loans to first time buyers, fleet owners as well as businesses engaged in mining, road or civil construction, port or shipping activities, and other infrastructure related activities.

• Agriculture Loans: People who can apply for the loan are farmers, orchard owners, dairy owners and horticulturists. Partnership firms and private companies in value-add agricultural sub-segments like food processing can also apply.

• Microfinance Loans: Direct loans are given to micro-entrepreneurs and to women borrowers applying as a Joint Liability Group (JLG). For ward lending, the loan is given to non-banking financial corporations, section 25 companies (non-profits), and societies and trusts engaged in micro-finance activities.

Reliance Loan: Factors Affecting EMI
The below factors determine the EMI for the

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