Who Needs Me?
Large and Mid Corporates
Federal and State Govt. of India
My Services
FINANCIAL CONSULTING, WITH A PERSONAL TOUCH
CORPORATE & GOVT. LOANS
My corporate finance and Government Loan services are synonymous with excellence, trust, and a relentless commitment to driving financial success. With an extensive background and over three decades of experience in Chemical Process Industries and IT Consulting at the executive level, I have cultivated a profound understanding of the intricate financial dynamics that shape the corporate world.
With a combined experience of 60+ person years, in the team, I ensure a comprehensive financial planning to address the requirements through a 360 degree approach.
My corporate finance services are designed to empower businesses with the essential financial tools and strategies they need to thrive in today’s ever-evolving market landscape. I take pride in our holistic and customer-centric approach, placing the client’s goals and objectives at the heart of everything we do. My services are tailored to address the unique financial challenges and opportunities that each organization faces, regardless of size or industry.
Key highlights of our corporate finance services
- Financial Expertise
- Customer-Centric Approach
- Innovative Solutions
- Cost-Effective Services
- Global Perspective
- Benchmark for Client Satisfaction
- Team of Experts
- Comprehensive Planning
In a rapidly changing corporate landscape, my corporate finance services stand out as a beacon of stability, innovation, and unwavering commitment to our clients’ financial well-being. With a vision to be the most admired customer-centric financial advisor, I am dedicated to helping businesses thrive, reduce risks, and achieve sustainable growth in the dynamic global business environment.
ECB funding
External Commercial Borrowing (ECB) is a financial instrument through which Indian companies and public sector undertakings (PSUs) can secure commercial loans denominated in foreign currency from non-resident lenders. This avenue serves as a vital means for Indian entities to access foreign capital, particularly during periods when domestic interest rates are relatively high.
ECB financing can be pursued through two distinct routes:
- Automatic Route: Under the automatic route, Indian companies are permitted to raise ECBs of up to USD 750 million without requiring prior approval from the Reserve Bank of India (RBI). Nevertheless, it is essential for borrowers to adhere to specific eligibility criteria and end-use restrictions.
- Approval Route: When the amount sought exceeds USD 750 million or when borrowers do not meet the prerequisites for the automatic route, they are obligated to raise ECBs through the approval route. In such cases, borrowers must duly submit their requests to the RBI for meticulous consideration and authorization.
It is noteworthy that the disbursement of these funds is carried out in strict accordance with the prescribed guidelines set forth by the Reserve Bank of India.
In recent years, the ECB market has witnessed substantial growth. For instance, in the fiscal year 2022-23, Indian companies successfully raised ECBs amounting to USD 31.2 billion, marking a noteworthy increase from the USD 16.9 billion raised in the preceding fiscal year, 2021-22. This remarkable growth can be attributed to various contributing factors, including the prevailing low global interest rates, the imperative need to finance capital goods imports, and the government’s unwavering commitment to bolstering infrastructure development initiatives.
FII Funding
Foreign Institutional Investor (FII) funding, also known as Foreign Institutional Investment, pertains to the allocation of financial resources by foreign institutional investors into a nation’s financial markets. These investors encompass a diverse range of entities, including hedge funds, mutual funds, pension funds, insurance companies, and other investment funds.
FII funding carries substantial significance for various compelling reasons. Firstly, it serves as a pivotal source of capital, facilitating the growth and expansion of businesses. Secondly, it contributes to the enhanced depth and liquidity of the financial markets, rendering them more robust and agile. Thirdly, FII investments can contribute to a more favorable balance of payments for the host country.
Below are some key advantages associated with FII funding:
- Increased Capital Availability: FII participation augments the availability of capital, thereby empowering businesses to embark on growth initiatives and expand their operations. This, in turn, has the potential to stimulate job creation and propel economic growth.
- Market Deepening: FII investments play an instrumental role in the enrichment of financial markets, rendering them more profound and liquid. This heightened liquidity simplifies the process of capital procurement for businesses and facilitates the trading of securities for investors.
- Balance of Payments Enhancement: FII investments can be instrumental in bolstering a nation’s balance of payments. This favorable impact results from the inflow of foreign currency into the country as a consequence of FII investments.
In sum, FII funding stands as a valuable source of capital, benefiting Indian business entities and government projects alike. The FII funding procedure within India, while relatively streamlined, adheres to specific investment limits and regulatory provisions that necessitate prudent consideration.
HNI Funding
High-Net-Worth Individual (HNI) funding, which entails the investment of financial resources by individuals with a net worth exceeding $1 billion, plays a pivotal role in facilitating the capitalization of businesses and government projects. HNI investors, by virtue of their substantial financial capabilities, become indispensable contributors to early-stage program initiatives that often face challenges in securing funding through conventional channels.
HNI funding is versatile, available in both debt and equity formats. Debt funding constitutes a loan that carries an obligation for repayment along with interest, whereas equity funding involves the acquisition of ownership stakes in the business. It is worth noting that, for debt funding, provisions for a moratorium period can be arranged under mutually beneficial conditions.
The advantages of HNI funding for businesses and government initiatives are multifaceted:
- Access to Capital: HNIs extend access to the capital essential for fostering business growth and expansion, along with the enhancement of the country’s infrastructure backbone.
- Experience and Expertise: HNI investors bring to the table invaluable experience, insights, and influential connections that can significantly benefit businesses and government projects.
- Flexibility: HNIs exhibit a willingness to invest in high-risk or unproven business ventures, further amplifying their value as strategic partners. Their insights and connections serve as invaluable assets.
However, it is prudent to acknowledge that HNI funding is not without associated risks, which are vigilantly addressed by our dedicated team.
In conclusion, HNI funding is a crucial financial resource, instrumental in the advancement of business endeavors and government programs. Our team is dedicated to managing and mitigating the associated risks while harnessing the immense potential offered by high-net-worth individuals to drive progress and prosperity.
PE Funding
Private Equity (PE) firms are specialized investment entities that mobilize capital from institutional investors and affluent individuals for the purpose of investing in privately held companies. PE firms, as a rule, focus their investments on well-established companies seeking expansion opportunities or acquisitions.
Key considerations surrounding the PE funding process include the following:
- Investment in Mature Profitable Companies: PE firms predominantly target mature companies with a proven history of profitability.
- Substantial Capital Infusion: PE firms commit significant amounts of capital to their investments, often in the range of millions or tens of millions of dollars.
- Active Involvement in Management: PE firms typically seek an active role in the management of the businesses in which they invest.
- Defined Exit Strategy: PE firms usually operate with a predetermined exit strategy, which might involve selling the business to a strategic buyer or taking the business public.
Additional prerequisites for raising PE funding encompass:
Robust Management Team: PE firms prioritize investments in businesses led by a competent and accomplished management team.
Clear Investment Thesis: Businesses seeking PE funding should articulate a coherent investment thesis, explaining the rationale behind seeking investment and outlining a strategic plan for utilizing the funds to foster business growth.
Negotiation Preparedness: PE firms are typically seasoned negotiators; hence, businesses should be well-prepared to engage in negotiations regarding the terms and conditions of the investment.
Bank & NBFC Funding
My team and I collaborate with both nationalized and private banks, as well as Non-Banking Financial Companies (NBFCs), to facilitate loans for mid-sized and large corporate entities in India.
There exists a diverse array of loan options, each governed by its own unique terms and conditions. Among the most prevalent corporate loan types are:
- Term Loans: These loans encompass fixed repayment periods, typically spanning 5 to 10 years. Term loans primarily serve the purpose of financing substantial acquisitions, such as equipment or real estate.
- Working Capital Loans: Designed to support day-to-day operational needs, working capital loans operate on a revolving basis, allowing borrowers to borrow and repay funds as per their requirements.
- Line of Credit: A type of revolving credit, providing companies the flexibility to borrow funds within a predetermined limit. Lines of credit are typically employed for working capital necessities.
- Venture Capital: Venture capital investments are earmarked for early-stage companies with high-growth potential. Venture capital firms specialize in backing enterprises poised for rapid expansion.
- Equipment Financing: This category of loans is utilized for the acquisition of equipment and can be either secured or unsecured. Secured equipment financing is collateralized by the equipment being purchased, whereas unsecured equipment financing does not require collateral.
- Real Estate Loans: Designed for the acquisition of real estate properties, real estate loans can also be either secured or unsecured. Secured real estate loans are supported by the property being acquired, whereas unsecured real estate loans do not entail collateral.
In summary, our team collaborates with a wide spectrum of financial institutions to provide an array of corporate loans to mid-sized and large corporate entities in India. These loans are tailored to meet diverse financial needs, spanning from working capital requirements to significant investments in assets and properties. Our expertise lies in ensuring that each client secures the financing solution that best aligns with their strategic objectives and operational necessities.
Stressed Asset Management
Stressed Asset Funding, often associated with Non-Performing Assets (NPAs), entails the provision of financial assistance to borrowers who have defaulted on their loan obligations. NPAs represent loans that have been officially categorized as non-performing by banks and other financial institutions, signifying a significant likelihood that the borrower will not fully repay the loan as originally agreed, either in terms of amount or schedule.
Several factors can contribute to borrower loan defaults, including economic downturns, industry-specific disruptions, and individual financial challenges. Following the classification of a loan as an NPA, the lending institution typically undertakes measures to recover the outstanding amount through debt collection and, if necessary, legal proceedings.
Funding for NPAs may be sourced from various avenues, including:
- Private Lenders: These are individuals or entities that extend loans to borrowers who have encountered difficulties in securing financing through traditional banks or financial institutions. It’s important to note that private lenders typically impose higher interest rates on NPA loans compared to the rates applied by banks for conventional loans.
- Asset Reconstruction Companies (ARCs): ARCs specialize in the acquisition and management of NPAs. They often purchase NPAs from banks and other financial institutions at discounted values, subsequently working to recover the outstanding amounts by either selling the borrowers’ assets or negotiating settlements.
- Non-Banking Financial Companies (NBFCs): NBFCs, while providing NPA funding options to borrowers, operate with a different regulatory framework compared to banks. NBFCs offer a viable source of NPA funding, although they are subject to relatively higher risk profiles compared to traditional banks.
NPA funding serves as a valuable means of capital infusion for borrowers who have encountered challenges in securing financial support through conventional channels. This type of funding is essential for revitalizing and stabilizing financial positions that have been impacted by loan default scenarios.
About Me
I, Bhupendra Kumar Rakshit is a qualified Master’s Degree holder from a prestigious Engineering institute in India. With over three decades of experience at the executive level in Chemical Process Industries and IT Consulting, I have demonstrated remarkable growth in terms of service offerings, client satisfaction, institutional and banking relationships, team development, and infrastructure expansion. This growth has been achieved despite the challenges faced by the global business segments.
I am dedicated to aligning with your organization’s vision and is committed to your success. With a profound understanding of various domains and a strong track record in project financing, I have built a substantial and highly satisfied client base in the industry, setting a benchmark for clients’ success.
Working alongside a skilled and experienced team of business and finance professionals, I offers a range of reliable and cost-effective services compared to other business advisory companies. The strength of the team lies in their meticulous approach to comprehensive financial planning, ensuring that all your financial needs are addressed. The team’s business perspective is characterized by a deep understanding of client requirements, market trends, and a solution-focused approach crucial for achieving imminent success.
MY MISSION
My mission is to deliver Oxygen, the life-sustaining essence of business to Indian Corporates, thereby benefiting their employees and partners, all while actively contributing to India’s enhanced presence and prosperity on the global business stage.
Corporate funding remains a vital driver of growth and innovation for businesses, and the role of firms like BKR FINANCE in facilitating this process cannot be overstated. As the corporate funding landscape continues to evolve, it is imperative for corporations to stay informed, adapt to changing market conditions, and manage risks effectively to achieve their strategic objectives and long-term success.
MY VISION
My corporate vision is to become the most esteemed and customer-centric financial advisor by consistently pioneering innovative solutions, and to provide our customers with world-class, cost-effective services.
WHY ME?
Welcome to B.K.Rakshit and Team, where financial solutions meet unparalleled service. With a commitment to excellence, we take pride in being your go-to partner for arranging finance for corporate and government entities. Here’s why you should choose me:
1. Reliable Service:
With me, reliability is not just a promise; it’s our foundation. I understand the critical nature of financial arrangements, and our unwavering commitment ensures that you can rely on me to deliver consistent, trustworthy service.
2. Experience & Expertise:
Backed by years of experience and a team of seasoned experts, I bring a wealth of knowledge to the table. My deep understanding of financial markets, regulations, and trends ensures that you receive expert guidance and solutions tailored to your unique needs.
3. Comprehensive Planning:
I believe in holistic financial planning that goes beyond immediate needs. My comprehensive approach considers your long-term goals, risk tolerance, and market dynamics, ensuring that our financial solutions align seamlessly with your organization’s vision and objectives.
4. Optimized and Agile Service Charge:
I understand the value of your resources, and my service charges reflect a commitment to optimization. My agile pricing models are designed to provide cost-effective solutions, ensuring you receive maximum value for your investment.
5. Constant Support:
My commitment doesn’t end with the transaction. We offer constant support throughout the financial lifecycle, adapting to your evolving needs. Whether you have queries, need strategic advice, or encounter unforeseen challenges, my dedicated support team is always by your side.
6. Cost & Time Saving:
Efficiency is at the core of our services. I leverage our expertise and streamlined processes to save you both time and costs. By choosing me, you’re not just securing financial arrangements; you’re investing in a partner that values your resources as much as you do.
7. Near Paperless Digital Project Service:
Embracing the digital era, we’ve revolutionized our services to be nearly paperless. Me and my team’s cutting-edge digital project service ensures efficiency, security, and environmental sustainability. Experience the convenience of seamless, tech-driven financial solutions with us.
Choose ME for a financial partner that not only meets but exceeds your expectations. I don’t just arrange finance; I empower your financial success.