Page 25 - Banking Finance March 2021

ARTICLE

Example III - 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. 80.00 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 80 0 0 80 80 80 0 0 120 0
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 80 0 0 80 120 80 0 0 80 0
Example IV - 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 NIL. 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 0 0 0 0 80 0 0 0 120 0
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 0 0 0 0 120 0 0 0 80 0
Example V - 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 excess / TOD of Rs. 10 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 WCL (40%) CC (60%)
Limit O/s (incl. excess / TOD) Limit O/s Limit O/s
200 210 80 90* 120 120
*Any credit in the account should first come into WCL.
On or before 31.03.2019 On or after 01.07.2019
FBWC WCL (40%) CC (60%)
Limit O/s (incl. excess / TOD) Limit O/s Limit O/s
200 210 80 90* 120 120
*Any credit in the account should first come into WCL.

BANKING FINANCE | MARCH | 2021 | 25