Credit UW
Contract Type
CFL — Commercial Fleet Loan
Product Code
CFL-HCV-2026
Branch
Pune — Kothrud
Sourcing Channel
Direct Sales
Loan Purpose
Fleet Expansion
Asset Category
Heavy Commercial Vehicle
Annual Turnover
₹ 1.8 Cr
Net Profit Margin
12.4%
DSCR
1.42
LTV Ratio
68%
Business viability assessment indicates strong repayment capacity. DSCR above threshold. LTV within approved limits.
| Financial Year | Gross Revenue | Net Profit | Total Assets | Total Liabilities |
|---|---|---|---|---|
| FY 2024-25 | ₹ 1.8 Cr | ₹ 22.3 L | ₹ 3.2 Cr | ₹ 1.4 Cr |
| FY 2023-24 | ₹ 1.5 Cr | ₹ 18.7 L | ₹ 2.8 Cr | ₹ 1.2 Cr |
| FY 2022-23 | ₹ 1.2 Cr | ₹ 14.1 L | ₹ 2.3 Cr | ₹ 1.0 Cr |
12
Total Vehicles
8
Financed Vehicles
4
Owned Outright
3.2 yrs
Avg. Vehicle Age
Suresh Nair
Area Business Manager — Western Region
Customer has a strong fleet track record over 6 years. Business is profitable with consistent turnover. Minor irregularity in banking noted for Apr-2025 — explained as seasonal dip. Overall creditworthy. Recommended with standard LTV norms.
Fleet RC Capture
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