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Loan Syndication
Syndication means joint financing by more than one bank to the same clients against a common security. This is done basically to spread the risk. It also provides a scope for an independent evaluation of risk and focused monitoring by the agent / lead bank.

In Syndication financing banks also enter into an agreement that one of the lenders may act as Lead Bank. In such case, lead bank has to co-ordinate the activities at various stages of handling the proposal i.e. appraisal, sanction, documentation, sharing of security, disbursement, inspection, follow-up, recovery, distribution of installments. / interest etc. It may also call meeting on syndication members, whenever necessary to finalize any decision.
Types of Facilities
Credit enhanced syndicated loan.
Working Capital Syndication.
Loan for BMRE / New Projects.
Project Finance Loan
Local Currency Loan under Structured Finance etc
Parties to the Syndication
Arranger (Single Arranger / Co-Arranger / Arranger Group). Arranger must obtain mandate from the customer / Borrower.
Participants (Banks / Financial Institutions etc.).
Advantages of Customers
May get a large loan by contacting with one Bank / Arranger.
Less time consuming and cost effective.
Answerable to only one Bank.
Corporate Banking
Short Term Finance
Long Tern Finance
Real Estate Finance
Import Finance/Trade Finance
Work Order Financing/
Construction Business
- Earnest Money Financing Scheme -
  SOD (EMF)
- Bid Bond
- Performance Guarantee (PG)
- Advance Payment Guarantee (APG)
- Shipping Gurantee
- Customs Gurantee
- SOD (WO)
Export Finance
- Pree-Shipment Credit/Finance
   - Export Cash Credit
     (Hypothecatio /Pleadge)
   - Export Cash Credit Against
     Trust Receipt
   - Advance Against Anticipatory
     Letter of Credit
   - Back to Back Letter of Credit
   - Packing Credit
   - SOD (Export)
- Post-Shipment Credit/Finance
   - Negotiotion of Export
     Documents (FDBP)
   - Purchase of Documents
     against DP or DA Bills
Structured Finance
- Project Finance
- Syndication