Page 24 - Banking Finance March 2021

ARTICLE

(Rs. in crore)
Sr. No. Sanctioned Aggregate Fund based Current Outstanding 40% of column 2 is to be
Working Capital Limit drawn as WCL
(1) (2) (3) (4)
Scenario 1 Rs. 2100 Rs. 780 WCL - Rs. 780
CC - Nil
Scenario 2 Rs. 2100 Rs. 1700 WCL - Rs. 840
CC - Rs. 860
Scenario 3 Rs. 2100 Rs. 1600 WCL - Rs. 840
CC - Rs. 760
Scenario 4 Rs. 2100 Rs. 2000 WCL - Rs. 840
CC - Rs. 1160
Scenario 5 Rs. 2100 Rs. 2050 WCL - Rs. 840
CC - Rs. 1210

Example I - M/s ABC is availing of Rs. 500 crore from banking system and from our Bank, the company is availing Rs. 200
crore of FBWC limit and the present outstanding is Rs 200.00 crore.The segregation of limit with our Bank will be as under -
(Rs. in crore)
On or before 31.03.2019 On or after 01.04.2019
FBWC Adhoc / TOD Total WCL (40%) WCL for Adhoc / CC (60%)
in account TOD
Limit O/s Limit O/s O/s Limit O/s Limit O/s Limit O/s
200 200 0 0 200 80 80 0 0 120 120
On or before 31.03.2019 On or after 01.07.2019
FBWC Adhoc / TOD Total WCL (60%) WCL for Adhoc / CC (40%)
in account TOD
Limit O/s Limit O/s O/s Limit O/s Limit O/s Limit O/s
200 200 0 0 200 120 120 0 0 80 80

Example II - M/s ABC is availing of Rs. 500 crore from banking system and from our Bank, the company is availing Rs. 200
crore of FBWC limit and the present outstanding is Rs 160.00 crore. The segregation of limit with our Bank will be as
under -
(Rs. in crore)
On or before 31.03.2019 On or after 01.04.2019
FBWC Adhoc / TOD Total WCL (40%) WCL for Adhoc / CC (60%)
in account TOD
Limit O/s Limit O/s O/s Limit O/s Limit O/s Limit O/s
200 160 0 0 160 80 80 0 0 120 80
On or before 31.03.2019 On or after 01.07.2019
FBWC Adhoc / TOD Total WCL (60%) WCL for Adhoc / CC (40%)
in account TOD
Limit O/s Limit O/s O/s Limit O/s Limit O/s Limit O/s
200 160 0 0 160 120 120 0 0 80 40

24 | 2021 | MARCH | BANKING FINANCE